CN114493584A

CN114493584A - Cross-border consumption payment method, node and system based on legal digital currency

Info

Publication number: CN114493584A
Application number: CN202111671295.1A
Authority: CN
Inventors: 汪下烟; 金磐石; 穆长春; 吕远; 赵新宇; 贺薇; 谭莹; 王维强; 刘广宇; 花俏溪; 郭伟; 张明明; 苏琳
Original assignee: China Construction Bank Corp; Digital Currency Institute of the Peoples Bank of China
Current assignee: China Construction Bank Corp; Digital Currency Institute of the Peoples Bank of China
Priority date: 2021-12-31
Filing date: 2021-12-31
Publication date: 2022-05-13

Abstract

The invention provides a cross-border consumption payment method, a cross-border consumption payment node and a cross-border consumption payment system based on legal digital currency, wherein the cross-border payment node is used for monitoring order information of an uplink; when monitoring the uplink order information, starting an EDA driving mode to acquire the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by the system nodes in the environment based on the chain to obtain an equivalent coin string with the same amount as the order payment amount; and acquiring the currency string information and the payment state information of the cochain after the transaction is executed based on the equivalent currency string, and executing cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information. According to the scheme, interconnection and intercommunication are carried out between the cross-border payment node and the in-border system node which are deployed on the chain, transaction payment is completed based on the cross-border payment node, and cross-border consumption payment can be completed efficiently and safely.

Description

Cross-border consumption payment method, node and system based on legal digital currency

Technical Field

The invention relates to the technical field of block chains, in particular to a cross-border consumption payment method, a cross-border consumption payment node and a cross-border consumption payment system based on legal digital currency.

Background

With the issuance and popularization of digital money, occasions for performing transactions using digital money are becoming more and more widespread. At present, the digital currency not only supports the transaction scene of in-environment payment, but also supports the transaction scene of cross-environment consumption payment.

However, the existing cross-border consumption payment has various problems, such as difficulty in estimating the arrival time, opaque intermediate cost, incapability of tracking the payment process, lack of general availability of digital payment tools, insufficient management framework of third-party payment companies and other transaction data providers, and the like.

Therefore, the conventional cross-border consumption payment cost is high, the efficiency is low, and the safety is low.

Disclosure of Invention

In view of this, embodiments of the present invention provide a cross-border consumption payment method, node and system based on legal digital currency, so as to solve the problems of low efficiency and low security in the prior art.

In order to solve the above problems, embodiments of the present invention provide the following technical solutions:

the first aspect of the embodiment of the invention discloses a cross-border consumption payment method based on legal digital currency, which is suitable for a cross-border payment node deployed on a chain, wherein the cross-border payment node is constructed based on a block chain bottom layer chain and a block chain as a service (BaaS) platform, and the method comprises the following steps:

monitoring order information of a chain, wherein the order information at least comprises an order payment amount and a chain wallet id of payment to be executed;

when monitoring uplink order information, starting an EDA driving mode, and acquiring a coin string balance in a chain purse corresponding to a chain purse id, wherein the chain purse comprises an account address, the chain purse id, the coin string balance, a coin string list, a frozen coin string list, account information and attribution information;

if the balance of the coin string is larger than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by an in-home system node on the basis of the chain to obtain an equivalent coin string with the same amount as the order payment amount;

acquiring currency string information and payment state information of chain linked after transaction is executed based on the equivalent currency string, wherein the payment state information at least comprises an order number;

and executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information.

Optionally, the method further includes:

and if the balance of the currency string is less than the payment amount of the order, ending the payment or executing a digital currency conversion process by the domestic system node.

Optionally, after performing the cross-border consumption accounting operation of the two transaction parties, the method further includes:

sending a payment result notification message to an overseas acquiring system node, sending the payment result notification message to an acquiring merchant by the overseas acquiring system node, and receiving a payment result confirmation notification fed back by the acquiring merchant, wherein the transaction result comprises the chain wallet balance change information of the acquiring merchant.

Optionally, the method further includes:

monitoring canceling order information of an uplink, wherein the canceling order information comprises a unique key value used for indicating a transaction;

querying payment status information for the transaction based on the unique key value;

if the payment state information does not exist, or the payment state information is failed or the payment state information is cancelled, sending order cancellation success information;

if the payment state information is to be determined, sending order cancellation failure information;

and if the payment state information is successful, executing a transaction revocation process, sending a revocation list result to an overseas receipt system node, sending the revocation list result to an receipt merchant by the overseas receipt system node, and receiving a revocation list confirmation notice fed back by the receipt merchant, wherein the transaction result comprises the chain wallet balance change information of the receipt merchant.

Optionally, the method further includes:

monitoring the uplink currency string redemption request, wherein the currency string to be redeemed in the currency string redemption request is monitored; performing redemption processing based on the currency string to be redeemed, and adding the balance of the redeemed currency string to a RMB balance account corresponding to the wallet id on the chain;

acquiring an original foreign exchange quotation and an original exchange rate during transaction, executing a money settlement operation, and converting the balance of a currency string added into the RMB balance account into foreign currency based on the original foreign exchange quotation and the original exchange rate;

and after the settlement and sales remittance operation is finished, sending a payment settlement response notice to the overseas receipt system node.

The second aspect of the present invention discloses a cross-border payment node, which is constructed based on a blockchain underlying chain and a blockchain as-a-service BaaS platform, and includes:

the chain monitoring module is used for monitoring the chain order information, and when the chain order information is monitored, the electronic design automation EDA driving mode execution service module is started, wherein the order information at least comprises the order payment amount and the chain wallet id of the payment to be executed;

the business module is used for acquiring the balance of the coin string in the chain purse corresponding to the chain purse id; if the balance of the coin string is larger than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by an in-home system node on the basis of the chain to obtain an equivalent coin string with the same amount as the order payment amount; if the coin string balance is smaller than the order payment amount, ending the payment or executing a digital currency conversion process by the system node in the environment, wherein the wallet on the chain comprises an account address, a wallet id on the chain, the coin string balance, a coin string list, a frozen coin string list, account information and attribution information;

the transaction management module is used for acquiring currency string information and payment state information of chain linked after transaction is executed based on the equivalent currency string, and the payment state information at least comprises an order number; and executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information.

Optionally, the transaction management module is further configured to send a transaction result to an overseas acquiring system node after executing cross-border consumption accounting operation of both transaction parties, where the overseas acquiring system node sends the transaction result to an acquiring merchant, and receives a payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the chain wallet balance change information of the acquiring merchant.

Optionally, the on-chain monitoring module is further configured to monitor order revocation information of an on-chain, where the return order information includes a unique key value used to indicate a transaction;

the transaction management module is further used for inquiring the payment state information of the transaction based on the unique key value; if the payment state information does not exist, or the payment state information is failed or the payment state information is cancelled, sending order cancellation success information; if the payment state information is to be determined, sending order cancellation failure information; if the payment state information is successful, executing a transaction revocation process, sending a revocation list result to an overseas acquiring system node, sending the revocation list result to an acquiring merchant by the overseas acquiring system node, and receiving a revocation list confirmation notification fed back by the acquiring merchant, wherein the transaction result comprises the chain wallet balance change information of the acquiring merchant;

optionally, the on-chain monitoring module is further configured to monitor an uplink currency string redemption request, where a currency string to be redeemed in the currency string redemption request is detected;

the transaction management module is further used for carrying out redemption processing based on the to-be-redeemed coin string, adding the redeemed coin string balance into the RMB balance account corresponding to the wallet id on the chain, acquiring the original foreign exchange quotation and the original exchange rate during transaction, executing a settlement operation, converting the coin string balance added into the RMB balance account into foreign coins based on the original foreign exchange quotation and the original exchange rate, and sending a settlement response notice to the overseas receipt system node after the settlement operation is completed.

In a third aspect, the invention discloses a cross-border consumption payment system, comprising: the cross-border payment node, the internal system node and the overseas acquiring system node are deployed on the chain;

the cross-border payment node is constructed on the basis of a block chain bottom layer chain and a block chain as a service (BaaS) platform;

the cross-border payment node is used for monitoring various transaction requests on a chain, starting an EDA (electronic design automation) driving mode when monitoring uplink order information, and acquiring the balance of a coin string in a wallet corresponding to the wallet id on the chain if the transaction request is the order information; if the balance of the coin string is larger than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by an in-home system node on the basis of the chain to obtain an equivalent coin string with the same amount as the order payment amount; performing uplink currency string information and payment state information after transaction based on the equivalent currency string; executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information; if the balance of the currency string is less than the payment amount of the order, ending the payment or executing a digital currency conversion process by the domestic system node; the order information at least comprises an order payment amount and a chain wallet id of payment to be executed; the domestic system node is used for processing based on the order payment amount and the coin string balance on the chain, obtaining an equivalent coin string with the same amount as the order payment amount and executing a digital currency conversion process;

the overseas receipt system node is used for making various transaction requests uplink and receiving and processing various transaction notifications and response notifications.

Optionally, the system further comprises a consumption service node;

and the consumption service node is used for providing corresponding consumption service when the cross-border consumption service volume is expanded or the cross-border consumption service type is expanded.

Based on the cross-border consumption payment method, the cross-border consumption payment node and the cross-border consumption payment system based on the legal digital currency, the cross-border payment node is used for monitoring order information of an uplink, and the order information at least comprises order payment amount and a chain wallet id of payment to be executed; when monitoring the uplink order information, starting an EDA driving mode to acquire the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by the domestic system node based on the chain to obtain an equivalent coin string with the same amount as the order payment amount; and acquiring the currency string information and the payment state information of the cochain after the transaction is executed based on the equivalent currency string, and executing cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information. According to the scheme, interconnection and intercommunication are carried out between the cross-border consumption payment node deployed on the chain and the in-border system node, transaction payment is completed based on the cross-border consumption payment node, and the purpose of efficiently and safely completing cross-border consumption payment can be achieved.

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, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a schematic structural diagram of a cross-border consumption payment system according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating a method for cross-border consumption payment based on legal digital currency according to an embodiment of the present invention;

FIG. 3 is a timing diagram illustrating a cross-border consumption payment method in a swept mode according to an embodiment of the present invention;

FIG. 4 is a timing diagram illustrating a cross-border consumption payment method in a main scan mode according to an embodiment of the present invention;

FIG. 5 is a timing diagram illustrating a cross-border transaction for de-ordering (returning) according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a cross-border payment node according to an embodiment of the present invention;

fig. 7 is a deployment diagram of a consumption service deployment node according to an embodiment of the present invention;

fig. 8 is a deployment diagram of a consumption service deployment node according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.

In order to facilitate understanding of the technical solution of the present invention, technical terms appearing in the present invention are explained:

digital currency (i.e., legal digital currency, or central row digital currency, letter abbreviations tentatively CBDC by international usage convention): is legal currency issued by central banks of various countries in digital form.

And (4) coin stringing: the digital currency is an external expression form of the digital currency with specific amount, is an identifier which is generated according to specific specifications and has value characteristics, exists in a wallet in an encryption character string form and is displayed, so that the digital currency is easy to circulate and store like physical cash.

A digital wallet: the digital wallet is a carrier of the currency of the digital currency and the medium that reaches the user, in embodiments of the present invention referred to as a domestic CBDC wallet opened in accordance with the central bank code, which is the wallet held by the user and initiating payment.

Blockchain digital currency wallet (account balance mode +): the method is an upgrade based on a UTXO structure and including an account balance mode, the data structure of the method is different from that of the UTXO of the traditional public chain, and the method is a new practical form fully considering the account system. The wallet comprises information elements such as an account address, a digital wallet ID, a balance, a currency string list, a frozen currency string list, account information, an attribution Manager and the like, and is a specific wallet which is opened for solving the cross-border payment problem. In embodiments of the present invention, to a wallet on a chain.

Cross border payment: the international debt and debt between two or more countries or regions due to international trade, international investment and other aspects can realize the transnational and transregional transfer of funds by means of certain settlement tools and payment systems.

Cross border consumption payment: the behavior that domestic residents pay by merchants on or off the line by using digital money belongs to import and expenditure under the item of common items in international income and expenditure.

Cross-border consumption order collection: the appointed acquiring organization (the overseas acquiring system node in the embodiment of the invention) provides a business for processing cross-border payment from a bank card, an account and an electronic purse of a consumer for a merchant, and a payment request is sent to a card organization by the acquiring organization after being processed by a payment gateway, a wind control and a transaction.

As shown in fig. 1, an embodiment of the present invention provides a cross-border consumption payment system, which includes a cross-border payment node 10, an inbound system node 11, and an outbound receipt system node 12 deployed on a chain.

The cross-border payment node 10, the inbound system node 11 and the outbound acquiring system node 12 may be considered blockchain nodes.

The cross border payment node 10 is one of the upper level applications built based on the blockchain underlying infrastructure.

The internal digital asset chain of the underlying infrastructure of the block chain is composed of an expansion layer, a core layer and a support layer, wherein the expansion layer is mainly added with an account balance model (similar to a UTXO structure) as a carrier of the block chain wallet, and meanwhile, the interaction between an Oracle prediction machine service and an external system is realized by adding the Oracle prediction machine service, so that the real-time exchange between the block chain wallet and a trusted data source is completed. In addition, the extension layer also supports multiple CA centers, multiple encryption algorithms, multi-node fragmentation, trusted execution environments and the like.

The core layer is composed of a contract execution engine (capable of supporting intelligent contracts developed by different program languages), an adaptive consensus mechanism, a mixed storage and the like. The digital asset chain may provide an interface to the outside world in the form of kafka message queues, javasdks, etc. And for the intermediate service of the upper layer, the application service respectively provides the service side functions of opening a block chain wallet, managing, transferring, inquiring and the like, and the service side functions are output outwards in an SDK mode. Highly available, high performance, extensible, maintainable base services are provided by the middleware component.

The block chain bottom infrastructure adopts two modes of a centralized authentication system and a distributed authentication system to realize admission control. The centralized authentication system comprises two certificate systems of self-building CA and CFCA, wherein the CFCA meets the requirements of banks or financial institutions with higher requirements on the safety and authority of the certificate system. The distributed authentication system transfers the certificate management authority from the central mechanism to each participant of the block chain, and has the advantages of decentering, automation, high efficiency and the like.

The centralized CA authentication admission control system is mainly divided into two types, one is admission control of the nodes, the addition of new nodes is mainly limited, and the nodes in the alliance chain are all legally owned by the alliance members; the other is admission control of the interface, namely, an unauthorized client or a development tool is limited to limit DDoS attack through an interface connection area block chain node, and the encroachment of malicious requests on the computing capacity and resources of the node is reduced.

Specifically, the Blockchain infrastructure includes a Blockchain underlying chain and a BaaS (Blockchain as a Service) platform.

The blockchain underlying chain stores therein include, but are not limited to, contract account structures (similar to UXTO) and support intelligent contracts, pluggable consensus algorithms and private data protection, homomorphic encryption, etc. blockchain owned or extended features.

The design of the BaaS platform comprises a plurality of functional modules such as certificate configuration, key management, operation and maintenance monitoring, network configuration, authority management, cluster management and the like, so that the requirements of operability, configurability, operation and maintenance and the like of a bottom-layer chain are met, and each participating node in a block chain can be maintained.

In the embodiment of the present invention, the blockchain is mainly a federation chain architecture.

The cross-border payment node 10 is configured to perform on-chain monitoring, and perform corresponding payment service and transaction management based on each monitored transaction request. When monitoring the uplink order information, an Electronic Design Automation (EDA) driving mode is started to ensure that the user feels no sense of the flow of consumption redemption when performing consumption redemption and other operations.

The domestic system node 11 is used for processing the melting coin or the casting coin and giving change of the coin string, and performing the coin string cashing (exchange recharging) operation by using the account balance.

Service addressing access between the cross-border payment node 10 and the in-border system node 11 can be realized through P4 ESB (middleware) to realize functions including but not limited to digital currency circulation, fused currency and cast currency services and the like.

The overseas acquirer node 12 is used for chaining various transaction requests, and receiving and processing various transaction notifications and response notifications.

In the embodiment of the present invention, as shown in table 1 below, the list of blockchain functions that can be provided by the cross-border payment node 10 is shown in table 2, the list of blockchain functions that can be provided by the domestic system node 11 is shown in table 3, and the list of blockchain functions that can be provided by the overseas receipt system node 12 is shown in table 3.

Table 1: cross-border payment node

Function(s)	Direction	Transaction party (Source)	Remarks to note
				Order tradingMessage reception	Receiving	Overseas receipt system node
Currency string transfer request initiating uplink	Sending	Intra-site system node
				Reception of money string ownership transfer result message	Receiving	Intra-site system node
Receipt institution redemption request transaction receipt	Receiving	Overseas receipt system node
				Receipt of a refund transaction	Receiving	Overseas receipt system node
Back-up transaction message initiating uplink	Sending	Overseas receipt system node
				Chain account currency string transfer	Sending	Intra-site system node	Block chain account book
On-chain account queries	Sending	Intra-site system node	Block chain account book

Table 2: intra-site system node

Function(s)	Direction	Transaction party (Source)	Remarks for note
				Cash string transfer request reception	Receiving	Cross-border payment node
Coin string transfer result notification	Sending	Cross-border payment node
				Coin chain	Sending	Intra-site system node	Block chain account book
Coin string lower chain	Sending	Intra-site system node	Block chain account book
				Chain account currency string transfer	Sending	Intra-site system node	Block chain account book
On-chain account queries	Sending	Intra-site system node	Block chain account book
				Coin string receipt notification	Receiving	Overseas receipt system node

Table 3: overseas receipt system node

In the embodiment of the invention, aiming at the design of the cross-border payment node 10, the in-border system node 11 and the out-border acquiring system node 12, an asynchronous framework is realized through kafka message queue middleware, and message transmission such as cross-border consumption notification, currency string uplink, payment result notification and the like in a service scene is completed through a message subscription mode. Different topic themes are respectively established between the overseas acquiring system node and the cross-border payment node, and channels with different transmission directions are established. And simultaneously, the subscription of block events, contract events, transaction events, system abnormity monitoring and other events is supported.

Based on the cross-border consumption payment system disclosed in fig. 1, a cross-border consumption payment method based on legal digital currency is further provided for the embodiment of the present invention, and is suitable for the cross-border payment node deployed on the chain shown in fig. 1, and the cross-border payment node is constructed based on the block chain underlying chain and the BaaS platform. As shown in fig. 2, the method includes:

s201: monitoring the order information of the uplink.

In S201, the order information includes at least an order payment amount and a wallet-on-chain id of the payment to be performed.

S202: and when monitoring the uplink order information, starting an EDA driving mode to acquire the balance of the coin string in the chain wallet corresponding to the chain wallet id.

In S202, the data structure of the digital money on the chain stored in the wallet on the chain includes, but is not limited to, the contents shown in table 4.

TABLE 4

Properties	Type (B)	Length of
			Account address	uint	64
Account balance	double	15,2
			Coin serial meter	list	-

Optionally, the wallet on chain includes an account address, a wallet on chain id, a coin string balance, a list of coin strings, a list of frozen coin strings, account information, and attribution information.

In the process of implementing S202, when the uplink order information is monitored, the EDA driving mode is started, i.e., the process from S202 to S206 is executed. In this EDA mode, it is possible to ensure that the user is not conscious of the flow of consumption redemption when performing operations such as consumption redemption.

S203: judging whether the balance of the currency string is greater than or equal to the order payment amount, if so, executing S204 and S205; if not, go to S206.

S204: and processing by the domestic system node based on the order payment amount and the balance of the coin string on the chain to obtain an equivalent coin string with the same amount as the order payment amount, and executing the coin string information and the payment state information of chain linking after transaction based on the equivalent coin string.

In S204, the payment status information at least includes an order number.

The payment status information specific on-chain data structure includes, but is not limited to, the contents shown in table 5.

TABLE 5

Properties	Type (B)	Length of
			Payment person	char	64
Payee	char	64
			Order number	char	30
Amount of payment	double	15,2
			Exchange rate	double	5,4
Commission fee	double	15,2
			……	-	-

In specific implementation S204, the domestic system node performs processing such as melting or casting of the coin and change of the coin string on the balance of the coin string, so as to obtain an equivalent coin string of the amount equal to the payment amount of the order.

S205: and executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information.

In the specific implementation of S205, the implementation of the cross-border consumption accounting operation of the two transaction parties specifically includes: the ownership of the payer's currency string is transferred to the payee. A transaction record store is also generated.

S206: ending payment or performing a digital currency conversion process by the domestic system node.

In S206, the performing, by the domestic system node, the digital currency conversion process specifically includes: and the system node in the profit completes currency string cashing (exchange recharging) by using the account balance.

The cross-border consumption payment method based on the legal digital currency disclosed by the embodiment of the invention monitors the order information of the uplink by using the cross-border payment node, wherein the order information at least comprises the order payment amount and the wallet id of the chain to be paid; when monitoring the uplink order information, starting an EDA driving mode to acquire the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by the system nodes in the environment based on the chain to obtain an equivalent coin string with the same amount as the order payment amount; and acquiring the currency string information and the payment state information of the cochain after the transaction is executed based on the equivalent currency string, and executing cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information. According to the scheme, interconnection and intercommunication are carried out between the cross-border payment node and the in-border system node which are deployed on the chain, transaction payment is completed based on the cross-border payment node, and the purpose of cross-border consumption payment can be efficiently and safely completed.

In a specific cross-border transaction scenario, a scanned mode and a main scanning mode exist in the process of code scanning payment. The cross border consumption payment method and system based on legal digital currency disclosed in the embodiments of the present invention are specifically exemplified below.

For the swept mode, as shown in fig. 3, the method mainly includes the following steps:

s301: the consumer generates a two-dimensional code containing order information based on a digital wallet APP request.

The order information includes an order payment amount and a wallet-on-chain id for which payment is to be performed.

S302: the overseas order receiving system node performs uplink processing on the order information.

S303: and the cross-border payment node acquires the balance of the coin string in the corresponding on-chain wallet based on the on-chain wallet id in the order information on the chain.

S304: and the cross-border payment node judges whether the balance of the currency string is enough to pay or not based on the order payment amount in the order information on the chain. If the balance of the currency string is enough, the payment amount of the order is uploaded to the domestic system node. And if the balance of the currency string is insufficient, directly ending the payment, or executing a digital currency exchange process by the system nodes in the environment.

S305: and the domestic system node performs processing such as coin melting or coin casting, coin string change and the like on the balance of the coin string to obtain an equivalent coin string with the amount equal to the payment amount of the order. And displaying the two-dimensional code containing the equal-amount currency string on the digital wallet APP to finish payment.

S306: and the cross-border payment node executes cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information after the transaction is executed on the basis of the equivalent currency string.

S307: and the cross-border payment node sends a payment result notification message to the overseas acquiring system node.

S308: and sending the payment result notification message to an order receiving merchant by the overseas order receiving system node, and receiving a payment result confirmation notification fed back by the order receiving merchant, wherein the transaction result comprises the chain wallet balance change information of the order receiving merchant.

For the main scanning mode, as shown in fig. 4, the method mainly includes the following steps:

s401: the order-receiving merchant applies for a merchant payment two-dimensional code (static state) from the two-dimensional code system, and displays the payment two-dimensional code to a consumer (a digital wallet client).

S402: the consumer scans the collection two-dimensional code of the single merchant through the digital wallet APP, and the cross-border payment node is triggered to execute S403.

S403: and the cross-border payment node generates transaction flow information for the payment service and feeds the transaction flow information back to the overseas acquiring system node.

S404: and after checking the validity of the two-dimensional code, the overseas order receiving system node generates order information, and links the order information, wherein the order information comprises order payment amount and a chained wallet id of the consumer to be paid.

S405: and the cross-border payment node acquires the balance of the coin string in the corresponding on-chain wallet based on the on-chain wallet id in the order information on the chain.

S406: and the cross-border payment node judges whether the balance of the currency string is enough to pay or not based on the order payment amount in the order information on the chain. If the balance of the currency string is enough, the payment amount of the order is uploaded to the domestic system node. And if the balance of the currency string is insufficient, directly ending the payment, or executing a digital currency exchange process by the system nodes in the environment.

S407: and the domestic system node performs processing such as coin melting or coin casting, coin string change and the like on the balance of the coin string to obtain an equivalent coin string with the amount equal to the payment amount of the order.

S408: and the cross-border payment node executes cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information after the transaction is executed on the basis of the equivalent currency string.

S409: and the cross-border payment node sends a payment result notification message to the overseas acquiring system node.

In S409, the cross-border payment node pushes the payment result notification message to the outbound receipt system node based on the event mode.

An "event" is any meaningful change to the system in which an event producer broadcast message may be captured by one or more event consumers. Different from a request-response communication model, the event-driven model transmits and responds information in a near-real-time mode, response time is shorter than that of a traditional batch processing mode, and the defects of infinite log data expansion storage space and high data searching delay of an existing internet of things system database system are effectively overcome.

S410: and sending the payment result notification message to an order-receiving merchant by the overseas order-receiving system node, and receiving a payment result confirmation notification fed back by the order-receiving merchant, wherein the transaction result comprises the balance change information of the domestic wallet of the order-receiving merchant.

In a specific cross-border transaction scene, cross-border consumption goods returning supports alternate-day online goods returning. The original transaction related information of cross-border consumption is inquired through the unique key values such as the order number and the like sent upwards, and the amount of money initiating return is checked (the system can support the business modes of partial return, full return and the like). And realizes the opposite processing of the cross-border consumption transaction digital currency accounting direction, and the return transaction information and the related currency string are still finished uplink operation in the processing process.

On the basis of the cross-border consumption payment method based on the legal digital currency, the embodiment of the invention also discloses a cross-border consumption payment method based on the legal digital currency, which is suitable for the cross-border transaction scene of canceling orders. The method mainly comprises the following steps:

a1: the cross-border payment node monitors canceling order information of the uplink, wherein the canceling order information comprises a unique key value used for indicating transaction.

The unique key value includes, but is not limited to, an order number, and optionally, the unique key value may also be information that uniquely indicates a transaction, such as a transaction serial number and a transaction tag.

A2: inquiring the payment state information of the transaction by the cross-border payment node based on the unique key value, and executing A3 if the payment state information does not exist, or the payment state information is failed or the payment state information is cancelled; if the payment state information is to be determined, executing A4; if the payment status information is successful, a5 is executed.

A3: and sending order cancellation success information.

A4: and sending order revocation failure information.

A5: executing a revocation transaction process, sending a revocation list result to an overseas receipt system node, sending the revocation list result to an receipt merchant by the overseas receipt system node, and receiving a revocation list confirmation notice fed back by the receipt merchant, wherein the transaction result comprises the chain wallet balance change information of the receipt merchant.

In the cross-border transaction scene of removing the order or returning the goods, the cross-border consumption payment method and the system based on the legal digital currency disclosed by the embodiment of the invention concretely realize the cross-border transaction process of removing the order or returning the goods. As shown in figure 5 of the drawings,

s501: the cross-border payment node monitors canceling order information of the uplink, wherein the canceling order information comprises a unique key value used for indicating transaction.

In S501, the cancellation order information is generated by the overseas acquiring system node based on a return (cancellation) transaction initiated by the acquiring merchant.

S502: the cross-border payment node inquires payment state information based on the order number, and if the payment state information does not exist, or the payment state information is failed, or the payment state information is cancelled, S503 is executed; if the payment state information is to be determined, executing S504; if the payment status information is successful, S505 is executed.

S503: and sending order cancellation success information.

S504: and sending order revocation failure information.

S505: and executing the revocation transaction process, and sending a revocation result to the overseas receipt system node.

S506: and the overseas order receiving system node sends the order removing result to an order receiving merchant and receives an order removing confirmation notice fed back by the order receiving merchant, wherein the transaction result comprises the change information of the chain wallet balance of the order receiving merchant.

In the embodiment of the invention, cross-border consumption is cancelled as reverse business operation consumed in the same day. Inquiring the original transaction related information of cross-border consumption through the unique key values such as the order number and the like sent by the user, thereby determining the transaction state of the original cross-border consumption, determining whether to execute the order removal or not according to the transaction state, and determining whether the order removal is successful or not.

In embodiments of the present invention, the cross border consumption payment system may automatically or manually perform a chain currency string redemption process after cross border consumption payment result validation.

In one embodiment, the cross-border payment node monitors the uplink currency string redemption request, wherein the currency string to be redeemed in the currency string redemption request is monitored; performing a redemption process based on the currency string to be redeemed and notifying the overseas acquiring system node of a redemption result.

In one embodiment, first, the cross-border payment node listens for an uplink currency string redemption request for the currency string to be redeemed in the currency string redemption request.

And then, the cross-border payment node performs redemption processing based on the currency string to be redeemed, and adds the redeemed currency string balance to the RMB balance account corresponding to the wallet id on the chain.

Then, the cross-border payment node acquires an original foreign exchange quotation and an original exchange rate during transaction, executes the operation of closing sales and exchange, and converts the balance of the currency string added into the RMB balance account into foreign currency based on the original foreign exchange quotation and the original exchange rate; and after the settlement and sales remittance operation is finished, sending a payment settlement response notice to the overseas receipt system node.

In the embodiment of the invention, cross-border payment nodes, in-border system nodes and overseas acquiring system nodes which are arranged on a chain are used for interconnection and intercommunication, and transaction services such as transaction payment, revocation, currency serial redemption, cross-border transfer and the like are completed based on the cross-border payment nodes, so that the purpose of cross-border transaction can be efficiently and safely completed.

Based on the cross-border consumption payment method based on legal digital currency disclosed by the embodiment of the invention, the embodiment of the invention also correspondingly discloses a cross-border payment node, the cross-border payment node is constructed based on the block chain bottom layer chain and the BaaS platform, and as shown in fig. 6, the cross-border payment node comprises: an on-chain monitoring module 601, a business module 602, and a transaction management module 603.

The on-chain monitoring module 601 is configured to monitor order information of the uplink, and when the order information of the uplink is monitored, the EDA-driven mode executive service module 602 is started, where the order information at least includes an order payment amount and an on-chain wallet id of the to-be-executed payment.

A service module 602, configured to obtain a balance of a coin string in a wallet on a chain corresponding to the wallet on the chain id; if the coin string balance is larger than or equal to the order payment amount, processing by an intra-environment system node based on the order payment amount and the coin string balance on the chain to obtain an equivalent coin string with the same amount as the order payment amount; and if the balance of the coin string is less than the payment amount of the order, ending the payment or executing a digital currency conversion process by the system node in the environment, wherein the wallet on the chain comprises an account address, a wallet id on the chain, the balance of the coin string, a coin string list, a frozen coin string list, account information and attribution information.

A transaction management module 603, configured to obtain currency string information and payment status information linked up after a transaction is performed based on the equivalent currency string, where the payment status information at least includes an order number; and executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information.

In an embodiment, the transaction management module 603 is further configured to, after performing cross-border consumption accounting operation of both transaction parties, send a transaction result to an overseas acquiring system node, where the overseas acquiring system node sends the transaction result to an acquiring merchant, and receives a payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the change information of the chain wallet balance of the acquiring merchant.

In an embodiment, the chain monitor module 601 is further configured to monitor chain reversal order information, where the return order information includes a unique key value used for indicating a transaction.

The transaction management module 603 is further configured to query payment status information of the transaction based on the unique key; if the payment state information does not exist, or the payment state information is failed or the payment state information is cancelled, sending order cancellation success information; if the payment state information is to be determined, sending order cancellation failure information; if the payment state information is successful, executing a transaction revocation process, sending a revocation list result to an overseas acquiring system node, sending the revocation list result to an acquiring merchant by the overseas acquiring system node, and receiving a revocation list confirmation notification fed back by the acquiring merchant, wherein the transaction result comprises the chain wallet balance change information of the acquiring merchant;

in an embodiment, the on-chain monitoring module 601 is further configured to monitor an uplink coin string redemption request, where the coin string to be redeemed in the coin string redemption request is a coin string to be redeemed.

The transaction management module 603 is further configured to perform a redemption process based on the to-be-redeemed coin string, add a redeemed coin string balance to a rmb balance account corresponding to the chain wallet id, obtain an original foreign exchange quotation price and an original exchange rate during transaction, execute a settlement operation, and convert the coin string balance added to the rmb balance account into foreign coins based on the original foreign exchange quotation price and the original exchange rate; and after the settlement and sales remittance operation is finished, sending a payment settlement response notice to the overseas receipt system node.

In the embodiment of the invention, cross-border payment nodes, in-border system nodes and overseas acquiring system nodes which are arranged on a chain are used for interconnection and intercommunication, and transaction services such as transaction payment, revocation, currency string return, cross-border transfer and the like are completed based on the cross-border payment nodes, so that the purpose of cross-border consumption payment can be efficiently and safely completed.

Based on the cross-border consumption payment method based on legal digital currency and the cross-border payment node disclosed by the embodiment of the invention, the embodiment of the invention also correspondingly discloses a cross-border consumption payment system, which is the same as the cross-border consumption payment system disclosed by the figure 1 and comprises the cross-border payment node, the internal system node and the overseas receipt system node which are arranged on a chain.

When different scenes of cross-border transactions are specifically realized:

the cross-border payment node is used for monitoring various transaction requests on a chain, starting an EDA (electronic design automation) driving mode when monitoring uplink order information, and acquiring the balance of a coin string in a wallet corresponding to the wallet id on the chain if the transaction request is the order information; if the balance of the coin string is larger than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by an in-home system node on the basis of the chain to obtain an equivalent coin string with the same amount as the order payment amount; performing uplink currency string information and payment state information after transaction based on the equivalent currency string; executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information; and if the balance of the currency string is less than the payment amount of the order, ending the payment or executing a digital currency conversion process by the domestic system node.

The cross-border payment node is further configured to query payment state information of the transaction based on a unique key value if the transaction request is revocation order information which includes the unique key value used for indicating the transaction; if the payment state information does not exist, or the payment state information is failed or the payment state information is cancelled, sending order cancellation success information; if the payment state information is to be determined, sending order cancellation failure information; and if the payment state information is successful, executing a transaction revocation process, sending a revocation list result to an overseas receipt system node, sending the revocation list result to a receipt merchant by the overseas receipt system node, and receiving a revocation list confirmation notice fed back by the receipt merchant.

The cross-border payment node is also used for returning the currency string to be returned in the request if the transaction request is the currency string returning request; performing redemption processing based on the currency string to be redeemed, adding a redeemed currency string balance into a RMB balance account corresponding to the wallet id on the chain, acquiring an original foreign exchange price and an original exchange rate during transaction, executing a settlement and sales operation, converting the currency string balance added into the RMB balance account into foreign currency based on the original foreign exchange price and the original exchange rate, and sending a payment settlement response notice to an overseas receipt system node after the settlement and sales operation is completed; and after executing cross-border consumption accounting operation of both transaction parties, sending a payment result notification message to an overseas acquiring system node, sending the payment result notification message to an acquiring merchant by the overseas acquiring system node, and receiving a payment result confirmation notification fed back by the acquiring merchant.

And the domestic system node is used for processing based on the order payment amount and the coin string balance on the chain, obtaining an equivalent coin string with the same amount as the order payment amount and executing a digital currency conversion process.

Wherein the transaction includes at least order information, currency exchange request and cancellation order information; the order information at least comprises an order payment amount and a wallet id on a digital currency chain to be paid; the transaction notification comprises at least a payment result notification message, a payment result confirmation notification and a transaction result; the transaction result comprises the change information of the purse balance on the chain of the order receiving merchant; the reply notification includes at least a payment result confirmation notification and a withdrawal confirmation notification.

The cross-border consumption payment method, the cross-border consumption payment node and the cross-border consumption payment system based on the legal digital currency are disclosed based on the embodiment of the invention. When the cross-border consumption business volume is expanded or the cross-border consumption business type is expanded, a consumption service node is deployed on the system so as to provide corresponding consumption service.

In one embodiment, when cross-border consumption traffic expands, based on the characteristics of the micro-service architecture, the consumption service can be independently deployed with other services on a single deployment unit, and can be expanded horizontally when the traffic increases. Specifically, the expanded demand of the service can be responded by adding the deployment units of the consumption service on the chain. The application is divided into a group of small services, and the overall function of the cross-border consumption payment system is realized through mutual coordination and mutual configuration among the services.

As shown in fig. 7, if the current consumption service is based on 3 consumption service deployment units, consumption of 5 ten thousand pens can be supported, and when consumption increases to 10 ten thousand pens, 3 new consumption deployment units in the dotted line part are added, so as to expand consumption business.

In an embodiment, when the cross-border consumption service type is expanded, based on the architecture mode of the micro-service, when a cross-border consumption service is newly added and the current service is not influenced, the expansion of the service can be realized by adding an independent new consumption service module. The original cross-border consumption business is realized in the consumption service A module, and the independent deployment ensures that the original consumption business is unchanged. As shown in fig. 8, a new transaction service module B is added, and a new cross-border consumption service is implemented under the module, and the module can be independently deployed without affecting the original consumption service a.

In the cross-border consumption payment method based on legal digital currency disclosed by the embodiment of the invention, a chain wallet (account balance mode +) is created by using a block chain technology, the data structure of the chain wallet is different from UTXO of a public chain, and the cross-border consumption payment method is a new practical form fully considering an account system. The account management system is composed of information elements such as an account address, a digital wallet ID, balance, a currency string list, a frozen currency string list, account information, an attribution Manager and the like. The frozen currency string list is designed for realizing special application scenes such as currency string downlink automatic recall and the like. The cross-border consumption payment system disclosed by the embodiment of the invention supports a closed-loop circulation process of value transfer of digital currency between domestic consumers, overseas merchants and overseas institutions. For consumers, the wallet on the chain is not different from the bank card and the mobile payment process, but the effect is better than the traditional experience. For overseas merchants, digital money can not be directly collected temporarily, and digital money agency (ownership relation transfer) is designed in the scheme, and foreign money funds are sent to the merchants to finish real-time settlement after the overseas authorities confirm the rights of digital assets, so that the business target of 'settlement as payment' is achieved. After the payment of digital currency is performed in real time, it involves only transferring the right to repay the central bank from one user to another, the funds are not on the intermediary's balance sheet, and only the net settlement in the central bank's balance sheet is involved. The payment is completed in real time by completely safe and neutral digital currency of central banks, no credit grant between banks exists in the settlement process, no credit risk exists, the fund accounting time of both parties of the transaction is greatly shortened, the transaction costs of clearing and settlement procedure fees, currency exchange and the like can be greatly reduced, and the competitiveness is formed in the aspects of general access, cost, data privacy and safety.

Specifically, the currency string expression owner information is changed, and the system calls out the DC/EP system online to apply for the currency casting and changes the mechanism signature before the currency string is registered and linked up under the drive of the service scene. The method is characterized in that the information of < owner (public key) > in the currency string expression is replaced by the public key of a payee or a person identified to have digital asset and to take the place of qualification, and the public key is filled after organization signature is carried out in an operation organization encryption machine, so that the process of confirming the right of the currency string and the ownership change and value transfer of the digital asset are realized, and the safety of the method depends on a double signature mechanism combining the organization signature of the currency string expression and the owner signature of the block chain wallet. In addition, the value transfer process is completed in a centralized mode inside the digital asset chain, and the consistency of transaction results is guaranteed through atomicity.

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, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A cross-border consumption payment method based on legal digital currency is suitable for a cross-border payment node deployed on a chain, wherein the cross-border payment node is constructed based on a block chain bottom layer chain and a block chain as a service (BaaS) platform, and the method comprises the following steps:

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising, after performing cross-border consumption accounting operations for the two parties to the transaction:

4. The method according to any one of claims 1 to 3, further comprising:

5. The method according to any one of claims 1 to 3, further comprising:

acquiring an original foreign exchange quotation and an original exchange rate in transaction, executing a money settlement and selling operation, and converting the balance of a coin string added to the RMB balance account into foreign coins on the basis of the original foreign exchange quotation and the original exchange rate;

6. A cross-border payment node, wherein the cross-border payment node is constructed based on a blockchain underlying chain and a blockchain as a service (BaaS) platform, and the cross-border payment node comprises:

the on-chain monitoring module is used for monitoring order information of the chain, and when the order information of the chain is monitored, the EDA driving mode execution service module is started, wherein the order information at least comprises order payment amount and an on-chain wallet id of payment to be executed;

7. The cross-border payment node of claim 6, wherein the transaction management module is further configured to send a transaction result to an overseas acquiring system node after performing cross-border consumption billing operation of both transaction parties, the overseas acquiring system node sends the transaction result to an acquiring merchant, and receives a payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the change information of the chain wallet balance of the acquiring merchant.

8. The cross-border payment node of claim 6 or 7,

the chain monitoring module is further configured to monitor chain revocation order information, where the chain revocation order information includes a unique key value used to indicate a transaction;

alternatively, the first and second electrodes may be,

the on-chain monitoring module is also used for monitoring an on-chain currency string redemption request, wherein the currency string to be redeemed in the currency string redemption request;

9. A cross-border consumption payment system, the system comprising: the cross-border payment node, the internal system node and the overseas acquiring system node are deployed on the chain;

the cross-border payment node is used for monitoring various transaction requests on the chain, starting an EDA (electronic design automation) driving mode when monitoring order information of the chain, and acquiring the balance of coin strings in the chain purse corresponding to the chain purse id; if the balance of the coin string is larger than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by an in-home system node on the basis of the chain to obtain an equivalent coin string with the same amount as the order payment amount; acquiring currency string information and payment state information of chain linked after transaction is executed based on the equivalent currency string; executing cross-border consumption accounting operation of both transaction parties according to the currency string information and the payment state information; if the balance of the currency string is less than the payment amount of the order, ending the payment or executing a digital currency conversion process by the domestic system node; the order information at least comprises an order payment amount and a chain wallet id of payment to be executed;

the domestic system node is used for processing based on the order payment amount and the coin string balance on the chain, obtaining an equivalent coin string with the same amount as the order payment amount and executing a digital currency conversion process;

10. The system of claim 9, further comprising: a consumption service node;