CN114723422A - Large-scale transaction and settlement system based on block chain - Google Patents

Large-scale transaction and settlement system based on block chain Download PDF

Info

Publication number
CN114723422A
CN114723422A CN202210118617.8A CN202210118617A CN114723422A CN 114723422 A CN114723422 A CN 114723422A CN 202210118617 A CN202210118617 A CN 202210118617A CN 114723422 A CN114723422 A CN 114723422A
Authority
CN
China
Prior art keywords
settlement
systems
sub
transaction
block chain
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN202210118617.8A
Other languages
Chinese (zh)
Other versions
CN114723422B (en
Inventor
蔡维德
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tianmin Qingdao International Sandbox Research Institute Co ltd
Zeu Crypto Networks Inc
Original Assignee
Tianmin Qingdao International Sandbox Research Institute Co ltd
Zeu Crypto Networks Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tianmin Qingdao International Sandbox Research Institute Co ltd, Zeu Crypto Networks Inc filed Critical Tianmin Qingdao International Sandbox Research Institute Co ltd
Publication of CN114723422A publication Critical patent/CN114723422A/en
Application granted granted Critical
Publication of CN114723422B publication Critical patent/CN114723422B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Databases & Information Systems (AREA)
  • Computing Systems (AREA)
  • Data Mining & Analysis (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a large-scale settlement system based on a block chain, which is suitable for indoor and cross-border payment and comprises: a data input system: the system consists of one or more transaction systems and one or more RTGS systems and is used for providing transaction data which are already traded but not settled; a plurality of settlement systems: the system consists of a plurality of sub-settlement systems and a block chain data lake system; the supervision system consists of a plurality of international and domestic supervision units and a block chain supervision system; a data output system: a system that is a bank or financial institution; network: the data input system, the plurality of settlement systems, the monitoring system and the data output system are connected through a network. The one or more transaction systems include one or more backbone systems responsible for transactions; one or more RTGS systems are responsible for trading and temporary settlement; the bank or financial institution settlement system can be a financial institution block chain settlement system or a traditional financial system; the financial institution blockchain settlement system includes a plurality of financial institutions and an account system.

Description

Large-scale transaction and settlement system based on block chain
Technical Field
The invention belongs to the technical field of block chains, and particularly relates to a large-scale trading and settlement system based on a block chain.
Background
Transaction systems typically include two or three of the following mechanisms: trading, settling, and clearing. The transaction is a transaction for both parties, e.g., a pays $ B100, but the transaction requires at least an agreed price, time, location, and manner of execution. Settlement is the transfer of actual value, e.g., funds from account a are given to account B. Once settlement is complete, funds are difficult to recover because of the funds transfer that occurred. The clearing is the transfer between banks, and after receiving the transfer, the bank distributes the transfer to the customer account in the bank. Clearing is not involved in the transaction and settlement system, and only the digital currency settlement problem will be discussed. Other mechanisms are required for clearing.
In conventional blockchain trading and settlement systems, where the traditional digital token system transaction is settlement, once the transaction is complete, funds are transferred immediately and are almost impossible to recover. Such transaction systems are prone to the following problems: because the transaction is a settlement, if the illegal income is found to be legal later, but because the settlement is already carried out, the funds can not be found back. Some students consider that digital currency transactions must be settled, but most of the central banks, banks and financial institutions choose to separate transactions and settlement, which is convenient for supervision. However, digital currency settlement is a blank in the past, and few prior arts are involved, most of which are only discussed and do not need to be done, and how to do so is not discussed.
The face book changes the system architecture: the facebook releases a new version of the white paper in month 4 of 2020, abandons the public chain layout, and lets local financial institutions participate, which are Virtual Asset Service Providers (VASPs). Each VASP may have its own account system that allows local transactions to be conducted. But cross-bank transactions require a facebook blockchain system to be traversed. The face book system development transaction and Settlement system is firstly published as a Settlement platform FastPay (FastPay: High-Performance Byzantine factory Tolerat setting' author Mathieu Baudet, etc.) released by a face book stabilizing currency system in the 2020, and a High-speed Settlement platform is established by using a similar block chain technology. The Settlement platform can be a background system of a main block chain system (called a main chain for short) or a background system of a Real-Time Gross Settlement (RTGS) system, and is responsible for transaction Settlement. Due to the design, a financial transaction system can open transaction and settlement, and after separation, more time is available for the supervision mechanism to execute the supervision algorithm. The FastPay system of facebook is still a prototype of experiment, many practical problems are not processed, and there is a distance from practical application, including the following are several important problems that have not been solved:
supervision problems: many digital stable currency transactions are cross border payments. Traditionally, cross-border payment of digital tokens has not been subject to any governmental regulation or administration, such as the foreign exchange authorities. However, the situation is unlikely to occur, and countries in the world represent cross-border payment transactions for which facebooks are to be regulated. But there is no such mechanism in the facebook FastPay system. The supervision of the cross-country payment is more complicated than the domestic payment supervision, because the international supervision rules need to be met, and the rules need to be met simultaneously;
privacy issues: the FastPay system assumes that multiple Authority (Authority) nodes or institutions participate in the voting, and all the settlements are transmitted to these Authority nodes so that they all have all the transaction information. The problem is that as global digital currency transaction, most domestic payment transaction information and multinational transaction information are unwilling to be shared with a third country;
performance problems: FastPay states that the transaction system can handle 8 million transactions in one second, but this assumes performance data in a cluster environment, in an environment without regulatory mechanisms, and in a situation where the data is fully shared. Once data is placed in different corners of the world, the performance of the data needs to be much poorer than that of a facebook experimental report under the conditions of international and domestic supervision mechanisms and no data sharing;
the blockchain system is not used: FastPay scatters many mechanisms commonly used in blockchains, including encrypted transmission, voting, and simple byzantine general agreement, but these mechanisms do not guarantee that data will not be altered since they are not packed for use after becoming a blockchain system. The data is alterable after it is placed in the FastPay authoritative node. Data is not uplinked by any participating nodes, including the authoritative node and the intermediate processing nodes, and therefore, data may be altered in the system;
mass communication: in the blockchain system, transactions are processed in a group of blocks, for the transactions, the blockchain method is to reduce the number of communication to carry out wholesale processing, but not to process each transaction independently, and each settlement is fully shared by all authority nodes; in the FastPay system, the settlement is a one-time settlement, a group of transaction settlements are not adopted, each transaction requires at least 3 encrypted communications, which does not conform to the above transaction principle of the block chain, and therefore, the performance is reduced; face-book system if account face-book declares that the system can support global customers, i.e. billions of customer transactions, but billions of account systems, each transaction is handled separately, which may create a lot of functional and performance problems;
large data storage requirements: the description of the account by the FastPay system is ambiguous, perhaps because the system has not been deployed, and how the account data is deployed is unknown. Assuming that all accounts are stored at all authoritative nodes, the amount of data can be very large, and since FastPay proposes a lab sharding technique to support large amounts of data, the speculative data storage requirements can be large.
The system architecture does not protect customer privacy: the FastPay system assumes that the participating financial institutions are all performing settlement jobs. However, this design has the disadvantage that since the participating financial institutions are not willing to have the same information by other financial institutions, the private information of the customer is revealed to unrelated financial institutions, which causes an unpredictable loss.
Traditionally, digital currency transactions are settled, and are settled over a network. Therefore, illegal income is easy to be legalized and is not suitable for the current international currency system. In the last two years, there has been a mechanism for separating digital currency settlement and transaction, which began with the facebook stabilization currency system, however, the facebook settlement system does not use the block chain system, and basically can be performed only in one cluster, far from the actual system implementation.
The digital currency mechanism leads to a completely new digital currency market structure and a completely new settlement mechanism due to the separation of trading and settlement.
Disclosure of Invention
The invention provides a large-scale transaction and settlement system based on a block chain, aiming at solving one or more technical problems in the prior art, and the system comprises international and domestic supervision mechanisms, wherein key intermediate processing data and final data are placed in the block chain system, so that the settlement system is honest and cannot cheat, and the privacy is protected at the same time.
The invention aims to provide a large-scale settlement system based on a blockchain, which is suitable for indoor and cross-border payment and comprises the following components:
a data input system: the system consists of one or more transaction systems and one or more RTGS systems, and is used for providing transaction data which are already traded but not settled;
a plurality of settlement systems: the system consists of a plurality of sub-settlement systems and corresponding block chain data lake systems;
the supervision system comprises: the system consists of a plurality of international and domestic supervision units and corresponding block chain supervision systems;
a data output system: a system that is a bank or financial institution;
network: connecting the data input system, the plurality of settlement systems, the supervisory system and the data output system via the network, which may be in the form of a private line, or the internet, or an inter-link network, wherein the private line is the safest but most expensive; if the internet is used, the system transmission needs to be encrypted; the inter-link network is provided with an encryption mechanism;
wherein the one or more transaction systems include one or more backbone systems that are responsible for transactions;
the one or more RTGS systems are responsible for transactions and temporary settlement;
after the plurality of settlement systems obtain the transaction information which passes the process from the main chain system or the RTGS system, updating an account system in a bank or a financial institution according to the transaction information, which represents that the transaction is settled; if the account does not have a sufficient balance or does not pass the process of preventing illegal revenue legitimization, the transaction is rejected;
the bank or financial institution settlement system can be a financial institution block chain settlement system or a traditional financial system, and each block chain system or the traditional financial system is responsible for the settlement of each bank; the financial institution block chain settlement system comprises a plurality of financial institutions and an account system, wherein the financial institutions are distributed in different countries and respectively have independent account systems.
Preferably, the large settlement system further comprises a general blockchain calculation system, a plurality of sub settlement systems responsible for settlement of international or domestic transactions, and one or more blockchain data lake systems, wherein:
some of the plurality of sub-settlement systems are responsible for settling domestic transactions in different countries, and therefore need to be connected with a plurality of banking systems in the same country;
some of the plurality of sub-settlement systems are responsible for settling cross-border transactions and therefore need to be connected with a plurality of banking systems in different countries;
each sub-settlement system in the plurality of sub-settlement systems needs to be connected with a domestic supervision institution, and if the sub-settlement systems participate in cross-border transactions, the sub-settlement systems also need to be connected with an international supervision unit system, and because the cross-border transactions are participated in by at least two countries, the sub-settlement systems need to be connected with a plurality of international supervision units;
each sub-settlement system is connected with the overall block chain computing system, and is connected with one or more block chain data lakes related to the overall block chain computing system;
after each sub-settlement system finishes settlement, whether the settlement is successful or failed, reporting the settlement to the general block chain calculation system by using a double-locking protocol of a block chain data lake;
the block chain data lake system comprises a large database system and a related block chain system, the large database system is connected with the main settlement system and the sub-settlement systems, any completed settlement data is reserved on the database and also stored on the related block chain system, the data on the database, the main settlement system and the sub-settlement systems use a double locking protocol to ensure that the data on the settlement systems are honest and exist in the database and also exist in the related block chain system, and the large database has an expansibility mechanism and can process a large amount of settlement data transmitted by the sub-settlement systems.
Preferably, each sub-settlement system has its own blockchain system, and is independently separated from the main chain system in the transaction system, and the large-scale settlement system is:
1) the whole large-scale settlement system only has one block chain system; or
2) The large-scale settlement system has a plurality of block chain systems and a block chain data lake system: the system comprises a total settlement system and sub-settlement systems, wherein the sub-settlement systems are responsible for partial settlement services, and after the sub-settlement systems settle the settlement, the settlement data is stored in the total settlement system by using a block chain data lake technology, the total settlement system has all data, the sub-settlement systems only have partial data, but the data on the total system and the sub-systems adopt a double-locking protocol, so that the data on the two sides can not be changed synchronously; or
3) Adding a domestic sub-settlement system according to the requirement of an actual settlement system, wherein the settlement function of the domestic sub-settlement system can be added into the original sub-settlement system or other new sub-settlement systems can be established; if the function is added to the original system, the domestic sub-settlement system adds new bank information; if some new sub-settlement systems are established, the sub-settlement systems are registered and merged in the large-scale settlement system; whether new bank information is added to an original subsystem or a new sub-settlement system is added, the system needs to be interactive and compatible with a total settlement system and a data lake; the newly added bank also needs to be connected with a domestic supervision system; or
4) Adding a cross-border international sub-settlement system according to the requirement of an actual settlement system, wherein the cross-border international settlement function of the cross-border international sub-settlement system can be added into the original international sub-settlement system or other new cross-border international sub-settlement systems are established; if the function is added to the original system, adding new bank information to the cross-border international sub-settlement system; if a new cross-border international sub-settlement system is established, no matter new bank information is added to the original sub-system or a new sub-settlement system is added, the sub-settlement systems need to be interactive and compatible with the total settlement system and the data lake; newly added banks need to be connected with a plurality of international supervision authorities and domestic supervision authority systems; or
5) If the two parties of a transaction are not managed in one sub-settlement system, the sub-settlement system of the first transaction party is selected as the main settlement system and cooperates with the sub-settlement system of the second transaction party to complete the transaction; the blockchain system of the two sub-settlement systems exchanges information for settlement using a multi-chain based secure transaction system, wherein a cross-chain system requires an intermediate chain system to store intermediate interaction information.
Preferably, the architecture of the domestic sub-settlement system may have different deployment systems according to the requirements of different settlement systems, and the evolution process of the domestic sub-settlement system includes:
at the beginning, only a few banks are added and domestic payment is carried out, and domestic sub-settlement systems only need one chain and one total settlement system to be connected with a domestic supervision mechanism, so that domestic settlement can be finished.
Many banks join, increasing the number of sub-settlement systems to maintain system performance, while the total settlement system and the sub-settlement systems appear, once the sub-settlement systems are established, the total settlement system needs to interact with the sub-settlement systems by using a blockchain data lake, so that the total settlement system and the sub-settlement systems have consistent data;
hundreds or thousands of banks join, the total settlement system employs a sharding mechanism, and the blockchain data lake also employs the sharding mechanism to serve a large number of sub-settlement systems.
Preferably, the framework of the cross border settlement subsystem may have different deployment systems according to the requirements of different settlement systems, and the evolution process of the cross border settlement subsystem includes:
only a few banks were added initially and payment was settled in 2 countries. A domestic sub-settlement system is required to be established firstly, so that a plurality of participating banks can engage in domestic payment settlement firstly, a cross-border settlement subsystem is established after the domestic sub-settlement system is established, and the cross-border settlement subsystem only needs one chain and is connected with international and domestic supervision agencies, so that cross-border international settlement can be completed;
the multiple banks are added, the participating countries are also increased, the settlement of the countries with different combinations is settled by increasing the number of the cross settlement sub-settlement systems, the multiple cross settlement sub-settlement systems process the cross settlement of the multiple countries, and after the performance of the system is maintained by increasing the cross settlement sub-settlement systems, the total settlement system needs to complete interaction with the cross settlement sub-settlement systems through a block chain database, so that the data of the total settlement system and the sub-settlement systems are consistent.
Hundreds or thousands of banks join, the total settlement system needs to increase capacity, and the blockchain data lake running on the cloud platform can be expanded to serve a large number of sub settlement systems.
Preferably, the flow of the plurality of settlement subsystems comprises:
1) the total settlement system processes a transaction sent from the transaction system or processes the transaction by itself or gives the transaction to a sub-settlement system for processing;
2) the total settlement system or the sub-settlement system contacts the related bank, if the transaction is a domestic transaction, the total settlement system or the sub-settlement system contacts the related bank system in the country; if the transaction is cross-border transaction, at least 2 national banks are required to be contacted;
3) after the related bank checks that the transaction receives the information, whether the checking can be settled or not is checked, if yes, the checking can be replied to a settlement system, otherwise, the checking can not be replied;
4) the total settlement system or the sub-settlement system receives the reply of the related bank and agrees with the settlement, and if the banks of the two parties agree, the settlement is sent to the related bank for settlement; if any party bank considers not to be successful, the transaction settlement is failed, the related bank is informed of the failure of settlement, and the balance of the account is not changed.
5) And uploading the settlement success or failure to the total settlement system or the sub-settlement system and the related block chain database.
6) The banks of the settlement parties use an inter-bank clearing mechanism for funds transfer.
Preferably, one settlement system comprises a blockchain data lake and a plurality of trading systems which interact, wherein each trading system comprises a main chain trading system and an RTGS system; the block chain data lake provides different privacy protection mechanisms according to different requirements; the supervising entity may participate in the blockchain system of the financial institution in which they are administered, and may also participate in the operation of the blockchain data lake and related blockchains of the settlement system.
Preferably, an illegal income prevention legalization database is used in the transaction system and the RTGS system, and an illegal income prevention legalization mechanism is used in the illegal income prevention legalization database. After the mechanism is used, through machine learning, new data, a new algorithm and/or a new scene for preventing illegal income from being legalized are obtained by the system and fed back to the database for preventing illegal income from being legalized, and the database for preventing illegal income from being legalized is provided with a block chain system of the database for preventing illegal income from ensuring that the data are not changed. An illegal income legalization database system is prevented from notifying any supervision report to a transaction system and a bank settlement system.
Preferably, the financial institution joins a plurality of financial institution block chain settlement systems; a financial institution prepares a blockchain system for each settlement system, and the blockchain systems are gathered in the same blockchain-based large-scale trading and settlement system, and a plurality of blockchain systems are matched and cooperated to complete; the settlement system is used for ensuring that settlement reaches the corresponding account system of the bank at the same time and recording key settlement process data and final settlement data; the transaction system, the settlement system comprising the block chain data lake, the total settlement system, the sub-settlement system and the bank system keep the intercommunicating relationship.
The settlement system can inform the transaction system of any transaction which does not pass settlement, and the successfully settled transaction is transmitted to the block chain data lake and the related settlement system of the bank, so that each transaction is ensured to be tracked in the settlement system;
if these trading systems or RTGS trade errors, the accounting system can discover them. Once the transaction is found to be wrong, the settlement operation is not completed;
the system of the supervision units can stop one transaction to complete the transaction, complete all passing conditions under the condition that a plurality of supervision units participate, complete the transaction only through supervision and inspection under the condition that all participating supervision units need to complete the transaction, and finish the transaction after any supervision unit rejects.
Preferably, the transaction has undergone a first illegal income legitimization prevention check on the main chain or the RTGS system, and the settlement has undergone a second illegal income legitimization prevention check on the settlement system, wherein the second illegal income legitimization prevention check comprises an international, domestic and/or local illegal income legitimization prevention check; the two supervision algorithms are different, the illegal income legal prevention analysis is light in weight level because the two supervision algorithms are timely in the transaction system, but the illegal income legal prevention analysis is heavyweight in the settlement system; finally, the bank system can also perform the last analysis for preventing illegal income from being legally analyzed.
Preferably, each financial institution may have its own block-linked computing system to record the update of its account; or choose not to use the system of the block chain but to use the system of the traditional database type, the system of using the traditional database type can participate in the operation of the system of the block chain in the settlement system, but because the data in the database system can be changed and not discovered; these blockchain systems or legacy systems require interaction with the accounting system, such as the nodes that join these blockchain systems; a group of financial institutions agreeing to share data may jointly use a blockchain settlement system, and since these banks or financial institutions are small, the financial institutions are willing to share data to complete settlement.
The invention has the beneficial effects that:
by using new technologies such as multi-chain, cross-chain, block chain data lake and the like, the settlement system is distributed all over the world and does not need to be centralized in a cluster.
The above and other objects, advantages and features of the present invention will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter, by way of illustration and not limitation, with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent upon consideration of the following description taken in conjunction with the accompanying drawings, in which:
FIG. 1 is a schematic block diagram of a settlement system according to a preferred embodiment of the present invention;
FIG. 2 is a diagram of the overall architecture of a settlement system according to a preferred embodiment of the present invention;
FIG. 3 is a settlement flow diagram of a settlement system according to a preferred embodiment of the present invention;
fig. 4 is a diagram illustrating a structure of a database for preventing illegal revenue legalization according to a preferred embodiment of the present invention.
Detailed Description
In order to make the present invention more comprehensible with respect to its gist, the present invention will be further described with reference to the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a more thorough understanding of the present invention and to provide a thorough understanding of the present invention. While the invention is capable of embodiments in many different forms than those described herein, those skilled in the art will appreciate that the present invention is not limited to the specific examples and figures disclosed below, since various modifications can be made without departing from the scope of the invention.
In the following description, numerous specific details and specific examples are set forth in order to provide a more thorough understanding of the present invention and to provide a thorough understanding of the present invention. While this invention is susceptible of embodiment in many different forms than that described herein, there will be many equivalents to those skilled in the art which incorporate such variations and modifications without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents.
The settlement system of this embodiment obtains transactions that have just been completed but not settled from the transaction system, and after processing, settles the transactions in the bank or financial institution systems distributed around the world. Settlement herein refers to settlement at a bank or a financial institution, not settlement on the blockchain system, and even if the blockchain transaction system has settled, these "settled" transactions are only "temporary settlement" and not final settlement. All settlement is done at the bank or financial institution. The temporarily settled transaction may also be rolled back with the funds in the bank account unchanged. But after settlement, the balance of the bank account changes, and the transaction is difficult to roll back. The settlement here starts from the data of the transaction system, and cooperates with the bank system to update the balance of the bank account, and complete the transaction.
The transaction system of the present embodiment may be a blockchain transaction system, such as a digital currency transaction system, or a conventional RTGS system. Whether in a blockchain transaction system or an RTGS settlement system, settlement is "temporary settlement" and not final settlement at a bank. Since the model of a fund presence bank is taken here, not the model of a presence network, settlement on the blockchain network is not the final settlement.
The embodiment provides an independently operated and networked settlement system, which can be connected with a plurality of transaction systems and a plurality of RTGS systems to complete the settlement of the system, and the settlement is carried out in banks or financial institutions distributed around the world, not on a block chain network. Since settlement is accomplished in cooperation with multiple transaction systems and multiple banking systems, the settlement system is actually a networked settlement system, and there may be multiple sub-settlement systems therein, which still need to send the transaction settlement results to the overall settlement system. The completeness of transaction settlement must be maintained in the whole process and system, and the settlement system architecture is discussed herein because of the participation of a plurality of systems, a plurality of international and national rules and a complex system.
As shown in fig. 1, the present embodiment provides a large settlement system based on a blockchain, which is adapted to domestic and cross-border payments, and as shown in fig. 1, includes:
a data input system: the system consists of one or more transaction systems and one or more RTGS systems and is used for providing transaction data which are already transacted but not settled;
a plurality of settlement systems: the system consists of a plurality of sub-settlement systems and corresponding block chain data lake systems;
the supervision system comprises: the system consists of a plurality of international and domestic supervision units and corresponding block chain supervision systems;
a data output system: the system of the bank or financial institution can be a financial institution block chain settlement system or a traditional financial system;
network: connecting the data input system, the plurality of settlement systems, the supervisory system and the data output system through the network, wherein the network can be in the form of a private line, or the internet, or an inter-link network, wherein the private line is the safest but the most expensive; if the internet is used, the system transmission needs to be encrypted; the inter-link network is provided with an encryption mechanism;
wherein the one or more transaction systems include one or more backbone systems, the backbone systems being responsible for transactions;
the one or more RTGS systems are responsible for transactions and temporary settlement. The temporary settlement is completed in the RTGS settlement, but has not been settled in the bank or financial institution.
After the plurality of settlement systems obtain the transaction information which passes the process from the main chain system or the RTGS system, updating an account system in a bank or a financial institution according to the transaction information, which represents that the transaction is settled; the transaction is rejected if the account does not have a sufficient balance or does not pass the process of preventing illegal revenue legitimization.
The bank or financial institution settlement system can be a financial institution block chain settlement system or a traditional financial system, and each block chain system or the traditional financial system is responsible for the settlement of each bank. The financial institution block chain settlement system comprises a plurality of financial institutions and an account system, wherein the financial institutions are distributed in different countries and respectively have independent account systems.
The settlement system comprises a general block chain calculation system, a plurality of sub-settlement systems responsible for settlement of international or domestic transactions and one or more block chain data lake systems. The settlement system has the following architecture:
some of the plurality of sub-settlement systems are responsible for settling domestic transactions in different countries and therefore need to be connected to a plurality of banking systems in the same country;
some of the multiple sub-settlement systems are responsible for settling cross-border transactions and therefore need to be connected to multiple banking systems in different countries;
each sub-settlement system in the plurality of sub-settlement systems needs to be connected with a domestic regulatory agency, and if participating in cross-border transactions, needs to be additionally connected with an international regulatory unit system, and since the cross-border transactions are participated in by at least two countries, needs to be connected with a plurality of international regulatory units;
each sub-settlement system is connected to the total settlement system, while one or more blockchain data lakes associated with the total settlement are connected;
after each sub-settlement system finishes settlement, whether the settlement is successful or failed, the settlement is reported to the total settlement system by the double-locking protocol of the block chain data lake;
the blockchain data lake system comprises a large database system and an associated blockchain system, the large database system is connected with the overall settlement and sub-settlement systems, any completed settlement data is retained on the database and also stored on the associated blockchain system, and the data cannot be changed. The data on the database and the total settlement system and the sub-settlement system use a 'double locking protocol' to ensure that the data on the settlement system is honest and stored in the database and also stored in the associated block chain system. Because the large database can have an expansibility mechanism, a large amount of settlement data transmitted by the sub-settlement systems can be processed. Wherein blockchain data lake is an earlier patent granted by the applicant.
In a preferred embodiment, each sub-settlement system has its own blockchain system, and is independent from the main chain system in the trading system, and each sub-settlement system may have the following options:
1) the large-scale settlement system has only one block chain system: the scene is suitable for small and medium-sized settlement systems, and due to the fact that the transaction amount is not large, the number of participating banks and transaction systems cannot be large.
2) The large-scale settlement system has a plurality of block chain systems and a block chain data lake system: the system comprises a total settlement system and sub-settlement systems, wherein the sub-settlement systems are responsible for partial settlement services, and after settlement is carried out by the sub-settlement systems, settlement data are stored in the total settlement system by using a technology of 'block chain data lake', the total settlement system has all data, the sub-settlement system only has partial data, but the data on the total system and the sub-systems adopt a double-locking protocol, so that the synchronization of the data on the two sides cannot be changed.
3) According to the requirement of the actual settlement system, a domestic sub-settlement system can be added. For example, a bank adds the person system, can participate in domestic payment, and the settlement function can be added in the original sub-settlement system or a new sub-settlement system is additionally established. If the function is added to the original system, the sub-settlement systems need to add new bank information; if new sub-accounting systems are established, these sub-accounting systems need to be registered and merged in the accounting system. Whether new bank information is added to the original subsystem or a new sub-settlement system is added, interaction and compatibility with the general settlement system and the data lake are required. The newly added bank also needs to be connected with the domestic supervision system.
4) According to the requirements of the actual settlement system, a cross-border international sub-settlement system can be added. For example, a bank adds the system, and can participate in international cross-border payment, and the settlement function can be added into the original international sub-settlement system or a new international sub-settlement system is additionally established. If the function is added to the original systems, the systems need to add new bank information; if new sub-settlement systems are established, whether new bank information is added to the original sub-systems or new sub-settlement systems are added, the sub-settlement systems need to be interactive and compatible with the total settlement system and the data lake. Newly added banks need to be connected with a plurality of international regulatory agencies and domestic regulatory agency systems.
5) If the two parties of a transaction are not managed in one sub-settlement system, the sub-settlement system of the first transaction party is selected as the main settlement system and cooperates with the sub-settlement system of the second transaction party to complete the transaction; the block chain system of the two sub-settlement systems exchanges information for settlement by using a safety transaction system based on multiple chains, wherein the cross-chain system needs an intermediate chain system to store intermediate interaction information.
As shown in fig. 2, as a preferred embodiment, the architecture of this embodiment is a flexible domestic settlement system architecture, and different deployment systems may be provided according to the requirements of different settlement systems. The evolution process of the domestic settlement system is as follows:
for example, initially, only a few banks join and only domestic payments, so that the settlement system may only require one chain, one total settlement system, to connect with a domestic regulatory body to complete domestic settlement.
If many banks join, sub-settlement systems can be added to maintain system performance, so that total settlement systems and sub-settlement systems are present. Once a sub-settlement system appears, the total settlement system needs to interact with the sub-settlement system, and the interaction is completed by using a block chain data lake, so that the data of the total settlement system and the data of the sub-settlement system are consistent.
If hundreds or thousands of banks join, the overall settlement system needs to have a sharding mechanism, and the blockchain data lake also has a sharding mechanism, to serve a large number of sub-settlement systems present.
As a preferred implementation, the architecture of this embodiment is also a flexible cross-border settlement system architecture, and different deployment systems may be provided according to the requirements of different settlement systems. The evolution of the international settlement system is as follows:
for example, at the beginning, only a few banks join, and payment settlement is made in 2 countries. Since in this environment, these banks can also undertake domestic payment and settlement, it is necessary to establish a domestic sub-settlement system so that these participating banks can undertake domestic payment settlement first. After the establishment, an international settlement subsystem is established, and the international settlement system can complete cross-border international settlement only by connecting one chain and one general settlement system with international and domestic supervision authorities.
If multiple banks join, the number of participating countries increases, thus requiring the addition of an international sub-settlement system to settle the settlement of different combinations of countries. For example, if 3 countries (A, B, C) participate, there are 3 combinations of (A, B), (B, C) and (A, C) that need to be processed. For example, 4 countries (A, B, C, D) are the (A, B), (A, C), (A, D), (B, C), (B, D), (C, D) combinations. If the number of countries increases, the country combinations will increase exponentially. When the number is large, some sub-settlement systems need to handle multi-country cross-border settlement. Sub-settlement systems can be added to maintain the performance of the system, so that an overall settlement system and sub-settlement systems appear. Once a sub-settlement system appears, the total settlement system needs to interact with the sub-settlement system, and the interaction is completed by using a block chain data lake, so that the data of the total settlement system and the data of the sub-settlement system are consistent.
If hundreds or thousands of banks join, the total settlement system needs to increase capacity, and the blockchain data lake runs on the cloud platform and can expand capacity to serve a large number of sub settlement systems. Since the blockchain system attribute of the settlement system is the transaction blockchain, not the account blockchain, while the blockchain system attribute within the bank is the account blockchain. Account blockchain can be extended by sharding processes, transaction blockchain systems can be extended with increased capacity and increased number of chains; the chain of settlement attribute is a transaction blockchain, which can be extended by adding capacity and adding a blockchain system. Therefore, the settlement system can be expanded all the time, tens of thousands of banks or dozens of thousands of banks can be online, and enough all countries and banks in the world can be added into the settlement system.
As shown in fig. 3, the flow of the settlement system includes:
7) the total settlement system will process a transaction sent from the transaction system either by itself or give the transaction to a sub-settlement system for processing;
8) the total settlement system or the sub-settlement system contacts the related bank, if the transaction is a domestic transaction, the total settlement system or the sub-settlement system contacts the related bank system in the country; if the transaction is a cross-border transaction, the transaction needs to be contacted with at least 2 national banks;
9) after the related bank checks that the transaction receives the information, whether the checking can be carried out through the settlement or not is checked, if yes, the related bank replies to the settlement system, otherwise, the related bank replies to the settlement system;
10) the total settlement system or the sub-settlement system receives the reply of the related bank and agrees with the settlement, and if the banks of the two parties agree, the settlement is sent to the related bank for settlement; if any party bank considers not to be successful, the transaction settlement is failed, the related bank is informed of the failure of settlement, and the balance of the account is not changed.
11) The settlement success or failure is uploaded to the overall settlement system (if a sub-settlement system) and the associated blockchain database.
12) The banks of both parties to the settlement require world transfers of funds, which can be solved using an inter-bank clearing mechanism, and this patent does not discuss the clearing process.
In a preferred embodiment, a settlement system comprises a blockchain data lake and a plurality of trading systems which interact, wherein each trading system comprises a main chain trading system and an RTGS system. The block chain data lake provides different privacy protection mechanisms according to different requirements; the supervising entity may participate in the blockchain system of the financial institution in which they are administered, and may also participate in the operation of the blockchain data lake and related blockchains of the settlement system. For example, the U.S. regulatory body participates in the settlement system of the U.S. bank, and the regulatory body participates in the settlement system of the Chinese bank, but both the U.S. and Chinese regulatory bodies participate in the international settlement system.
As a preferred embodiment, as shown in fig. 4, an illegal income prevention legalization database is used in the transaction system and the RTGS system, and an illegal income prevention legalization mechanism is used in the illegal income prevention legalization database. After the mechanism is used, through machine learning, new data, a new algorithm and/or a new scene for preventing illegal income from being legalized are obtained by the system and fed back to the database for preventing illegal income from being legalized, and the database for preventing illegal income from being legalized is provided with a block chain system of the database for preventing illegal income from ensuring that the data are not changed. The illegal income legalization database system is prevented from notifying any supervision report to the transaction system and the bank settlement system.
In a preferred embodiment, the financial institution joins a plurality of financial institution block chain settlement systems; a financial institution prepares a blockchain system for each settlement system, and the blockchain systems are gathered in the same blockchain-based large-scale trading and settlement system, and a plurality of blockchain systems are matched and matched to complete the operation.
The settlement system is used for ensuring that settlement reaches the corresponding account system of the bank at the same time and recording key settlement process data and final settlement data; the transaction system, the settlement system (comprising the block chain data lake, the total settlement system and the sub-settlement system) and the bank system keep the intercommunicating relationship.
The settlement system will notify the transaction system of any transaction that failed to settle, and successfully settled transactions are sent to the blockchain data lake and the related bank settlement system, ensuring that each transaction is tracked at the settlement system.
As a preferred embodiment, the accounting system may discover if these transaction systems or RTGS transactions are in error. Once the transaction is found to be erroneous, the settlement job is not completed. Because the cheater can do illegal transaction by doing transaction on a plurality of transaction platforms at the same time, because the settlement is carried out in the bank or the financial institution, if the same fund is transacted on different transaction systems, the fund still exists in one bank system, if 2 transactions come from different transaction systems to the same bank, the bank can find the cheating action and stop the transaction in time. If the cheater uses more transaction systems, the cheating behavior can be discovered, and since the fund only exists in one bank, the bank has enough information to discover the behavior that the illegal income is legalized.
The monitoring unit comprises an international payment monitoring system and a plurality of domestic payment monitoring systems, the international payment monitoring system can deploy a foreign exchange management mechanism in the international payment monitoring system for cross-border payment, and the international payment monitoring system is an intelligent contract system which is provided by an external independent system or each participant and can not be changed; the plurality of domestic payment supervision systems: each participating country provides the domestic payment supervision rules and deploys the respective domestic payment supervision rules on respective domestic payment supervision systems;
the system of the supervision units can stop a transaction to complete the transaction, and can complete the transaction by adopting 'all pass through system' due to the participation of a plurality of supervision units, namely for a transaction, all the participating supervision units need to pass through supervision and inspection, the transaction can be completed, and any supervision unit can finish the transaction after objecting to the supervision units.
As a preferred embodiment, the transaction has undergone a first illegal income legitimization prevention check at the backbone (or RTGS) system and a second illegal income legitimization prevention check at the settlement system, the second illegal income legitimization prevention check including an international, domestic and/or local illegal income legitimization prevention check; the two supervision algorithms are different, the illegal income legalization analysis prevention can be light in weight level due to the fact that the two supervision algorithms are timely in the transaction system, but the illegal income legalization analysis prevention can be heavy in weight level in the settlement system; finally, the bank system can also perform the legal analysis of the illegal income prevention for the last time.
As a preferred embodiment, each financial institution may have its own block-linked computing system to record updates to its account; or choose not to use the blockchain system but to use a traditional database-based system that can participate in the operation of the blockchain system in the accounting system but is not discovered because the data in the database system can be changed. These blockchain systems, or traditional systems, require interaction with the accounting system, such as the nodes that join the blockchain systems.
In a preferred embodiment, a group of financial institutions agreeing to share data may jointly use a blockchain settlement system, and since the banks or financial institutions are small, the banks or financial institutions are willing to share data to complete settlement.
The first preferred embodiment:
a domestic payment and settlement system. The settlement institution can only be a domestic institution and a block chain transaction system, and after the transaction, a plurality of domestic settlement systems can be provided, and then a plurality of domestic financial institutions participate. The system can be used for domestic payment and settlement, and final settlement data is stored in a blockchain data lake which can be reserved in a supervision unit.
The second preferred embodiment:
international common payment channels such as philippine channel payment. In such a system, multiple Philippines' financial institutions may participate. Here, the settlement institution can only participate in the philippine financial institution, and financial institutions in other areas cannot participate in the settlement institution. There may be one blockchain transaction system or multiple transaction systems, and the transaction may be settled in the international settlement system. The final settlement data is stored in a blockchain data lake, which may be persisted by international regulatory bodies such as the Financial Action Task Force (FATF) and the philippines national regulatory body.
The third preferred embodiment:
a number of international common payment channels such as philippine channel payments, and U.S. and european union payment channels. In such a system, multiple philippines financial institutions may participate, as well as the U.S. and european union financial institutions. The settlement institution can only participate in the Philippines, the United states and European Union financial institutions, and financial institutions in other regions cannot participate in the settlement institution. There may be one blockchain transaction system or multiple transaction systems, and the transactions may be settled in the international settlement system. The final settlement data is stored in a blockchain data lake, which may be maintained by international regulatory bodies such as the FATF and the philippines, the us, the european union, and other domestic regulatory bodies.
The preferred embodiment four:
and multiple international payment channels comprise a common channel or an uncommon channel. Any financial institution participating in the country can participate in the system, and can have a block chain transaction system or a plurality of transaction systems, the settlement can be carried out in the international settlement system after the transaction, the final settlement data is stored in a block chain data lake, and the block chain data lake can be reserved in international regulatory units, such as FATF and domestic regulatory units participating in the country.
The four embodiments all use new technologies such as multi-chain, cross-chain, block chain data lake, etc., so that the settlement system is distributed all over the world and does not need to be centralized in a cluster.
While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It is to be understood by those skilled in the art that variations and modifications of the embodiments of the present invention may be made without departing from the scope and spirit of the invention.

Claims (10)

1. A large settlement system based on a blockchain, which is suitable for domestic and cross-border payment, and is characterized by comprising:
a data input system: the system consists of one or more transaction systems and one or more RTGS systems, and is used for providing transaction data which are already traded but not settled;
a plurality of settlement systems: the system consists of a plurality of sub-settlement systems and corresponding block chain data lake systems;
the supervision system comprises: the system consists of a plurality of international and domestic supervision units and corresponding block chain supervision systems;
a data output system: a system that is a bank or financial institution;
network: connecting the data input system, the plurality of settlement systems, the supervisory system and the data output system through the network, wherein the network can be in the form of a private line, or the internet, or an inter-link network, wherein the private line is the safest but the most expensive; if the internet is used, the system transmission needs to be encrypted; the inter-link network is provided with an encryption mechanism;
wherein the one or more transaction systems include one or more backbone systems, the backbone systems being responsible for transactions;
the one or more RTGS systems are responsible for trading and temporary settlement;
after the plurality of settlement systems obtain the transaction information which passes the process from the main chain system or the RTGS system, updating an account system in a bank or a financial institution according to the transaction information, which represents that the transaction is settled; if the account does not have a sufficient balance or does not pass the process of anti-illegitimate revenue legitimization, the transaction is rejected;
the bank or financial institution settlement system can be a financial institution block chain settlement system or a traditional financial system, and each block chain system or the traditional financial system is responsible for settlement of each bank; the financial institution block chain settlement system comprises a plurality of financial institutions and an account system, wherein the financial institutions are distributed in different countries and respectively have independent account systems;
the large settlement system further comprises a general block chain calculation system, a plurality of sub-settlement systems responsible for settlement of international or domestic transactions, and one or more block chain data lake systems, wherein:
some of the plurality of sub-settlement systems are responsible for settling domestic transactions in different countries, and therefore need to be connected with a plurality of banking systems in the same country;
some of the plurality of sub-settlement systems are responsible for settling cross-border transactions and therefore need to be connected with a plurality of banking systems in different countries;
each sub-settlement system in the plurality of sub-settlement systems needs to be connected with a domestic supervision institution, and if the sub-settlement systems participate in cross-border transactions, the sub-settlement systems also need to be connected with an international supervision unit system, and because the cross-border transactions are participated in by at least two countries, the sub-settlement systems need to be connected with a plurality of international supervision units;
each sub-settlement system is connected with the overall block chain computing system, and is connected with one or more block chain data lakes related to the overall block chain computing system;
after each sub-settlement system finishes settlement, whether the settlement is successful or failed, reporting the settlement to the general block chain calculation system by using a double-locking protocol of a block chain data lake;
the block chain data lake system comprises a large database system and a related block chain system, the large database system is connected with the main settlement system and the sub-settlement systems, any completed settlement data is reserved on the database and also stored on the related block chain system, the data on the database, the main settlement system and the sub-settlement systems use a double locking protocol to ensure that the data on the settlement systems are honest and exist in the database and also exist in the related block chain system, and the large database has an expansibility mechanism and can process a large amount of settlement data transmitted by the sub-settlement systems.
2. A large blockchain-based settlement system according to claim 1, wherein each of the sub-settlement systems has its own blockchain system and is independent from the main chain system in the transaction system, and the large settlement system is:
1) the whole large-scale settlement system only has one block chain system; or
2) The large-scale settlement system has a plurality of block chain systems and a block chain data lake system: the system comprises a total settlement system and sub-settlement systems, wherein the sub-settlement systems are responsible for partial settlement services, and after the sub-settlement systems settle the settlement, the settlement data is stored in the total settlement system by using a block chain data lake technology, the total settlement system has all data, the sub-settlement systems only have partial data, but the data on the total system and the sub-systems adopt a double-locking protocol, so that the data on the two sides can not be changed synchronously; or
3) Adding a domestic sub-settlement system according to the requirement of an actual settlement system, wherein the settlement function of the domestic sub-settlement system can be added into the original sub-settlement system or other new sub-settlement systems can be established; if the function is added to the original system, the domestic sub-settlement system adds new bank information; if some new sub-settlement systems are established, the sub-settlement systems are registered and merged in the large-scale settlement system; whether new bank information is added to an original subsystem or a new sub-settlement system is added, the system needs to be interactive and compatible with a total settlement system and a data lake; the newly added bank also needs to be connected with a domestic supervision system; or
4) Adding a cross-border international sub-settlement system according to the requirement of an actual settlement system, wherein the cross-border international settlement function of the cross-border international sub-settlement system can be added into the original international sub-settlement system or other new cross-border international sub-settlement systems are established; if the function is added to the original system, adding new bank information to the cross-border international sub-settlement system; if a new cross-border international sub-settlement system is established, no matter new bank information is added to the original sub-system or a new sub-settlement system is added, the sub-settlement systems need to be interactive and compatible with the total settlement system and the data lake; newly added banks need to be connected with a plurality of international supervision authorities and domestic supervision authority systems; or
5) If the two parties of a transaction are not managed in one sub-settlement system, the sub-settlement system of the first transaction party is selected as the main settlement system and cooperates with the sub-settlement system of the second transaction party to complete the transaction; the blockchain system of the two sub-settlement systems exchanges information for settlement using a multi-chain based secure transaction system, wherein a cross-chain system requires an intermediate chain system to store intermediate interaction information.
3. The blockchain-based large-scale settlement system according to claim 2, which is adapted to domestic and cross-border payments, wherein the architecture of the domestic sub-settlement system has different deployment systems according to the requirements of different settlement systems, and the evolution process of the domestic sub-settlement system includes:
at the beginning, only a few banks join and only domestic payment, and domestic sub-settlement systems only need one chain and one main settlement system to be connected with a domestic supervision mechanism, so that domestic settlement can be finished.
A plurality of banks are added, the number of the sub-settlement systems is increased to maintain the performance of the system, and the total settlement system and the sub-settlement systems appear at the same time, once the sub-settlement systems are established, the total settlement system needs to interact with the sub-settlement systems by using a block chain data lake, so that the data of the total settlement system and the sub-settlement systems are consistent;
hundreds or thousands of banks join, the total settlement system adopts a fragmentation mechanism, and the block chain data lake also adopts the fragmentation mechanism to serve a large number of sub settlement systems.
4. The blockchain-based large-scale settlement system of claim 2, wherein the architecture of the cross-border settlement subsystem has different deployment systems according to different settlement system requirements, and the evolution process of the cross-border settlement subsystem comprises:
only a few banks were added initially and payment was settled in 2 countries. A domestic sub-settlement system is required to be established firstly, so that a plurality of participating banks can engage in domestic payment settlement firstly, a cross-border settlement subsystem is established after the domestic sub-settlement system is established, and the cross-border settlement subsystem only needs one chain and is connected with international and domestic supervision agencies, so that cross-border international settlement can be completed;
the method comprises the steps that a plurality of banks are added, the number of participating countries is increased, settlement of countries with different combinations is settled through increasing the number of cross-border settlement sub-settlement systems, the cross-border settlement sub-settlement systems process multi-country cross-border settlement, after the performance of the system is maintained through increasing the cross-border settlement sub-settlement systems, interaction between a total settlement system and the cross-border settlement sub-settlement systems is required to be completed through a block chain database, and therefore the data of the total settlement system and the data of the sub-settlement systems are consistent.
If hundreds or thousands of banks join, the total settlement system needs to be increased in capacity, and the block chain data lake running on the cloud platform can be expanded to serve a large number of sub settlement systems.
5. The blockchain-based large settlement system of claim 2, wherein the flow of the plurality of settlement subsystems comprises:
the total settlement system processes a transaction sent from the transaction system or processes the transaction by itself or gives the transaction to a sub-settlement system for processing;
the total settlement system or the sub-settlement system contacts the related bank, if the transaction is a domestic transaction, the total settlement system or the sub-settlement system contacts the related bank system in the country; if the transaction is a cross-border transaction, the transaction needs to be contacted with at least 2 national banks;
after the related bank checks that the transaction receives the information, whether the checking can be carried out through the settlement or not is checked, if yes, the related bank replies to the settlement system, otherwise, the related bank replies to the settlement system;
the total settlement system or the sub-settlement system receives the reply of the related bank and agrees with the settlement, and if the banks of the two parties agree, the settlement is sent to the related bank for settlement; if any party bank considers not to be successful, the transaction settlement is failed, the related bank is informed of the failure of settlement, and the balance of the account is not changed.
And uploading the settlement success or failure to the total settlement system or the sub-settlement system and the related block chain database.
The banks of the settlement parties use an inter-bank clearing mechanism for funds transfer.
6. The blockchain-based large settlement system of claim 1, adapted for domestic and cross-border payments, wherein a settlement system comprises blockchain data lakes and a plurality of transaction system interactions, the transaction system comprising a main chain transaction system and an RTGS system; the block chain data lake provides different privacy protection mechanisms according to different requirements; the supervising entity may participate in the blockchain system of the financial institution in which they are administered, and may also participate in the operation of the blockchain data lake and related blockchains of the settlement system.
7. The system of claim 1, wherein an anti-illegal revenue legalization database is used in the transaction system and the RTGS system, and an anti-illegal revenue legalization mechanism is used in the anti-illegal revenue legalization database. After the mechanism is used, new data, a new algorithm and/or a new scene of the anti-illegal income legalization are obtained by the system and fed back to the anti-illegal income legalization database through machine learning, and the anti-illegal income legalization database has a block chain system per se to ensure that the data are not changed. The anti-illegal revenue legalization database system notifies any supervision reports to the transaction system and the bank settlement system.
8. The blockchain-based large-scale settlement system of claim 1, wherein financial institutions are added to a plurality of financial institution blockchain settlement systems, adapted for domestic and cross-border payments; a financial institution prepares a blockchain system for each settlement system, and the blockchain systems are gathered in the same blockchain-based large-scale trading and settlement system, and a plurality of blockchain systems are matched and cooperated to complete; the settlement system is used for ensuring that settlement reaches the corresponding account system of the bank at the same time and recording key settlement process data and final settlement data; the transaction system, the settlement system comprising the block chain data lake, the total settlement system, the sub-settlement system and the bank system keep the intercommunicating relationship.
The settlement system can inform the transaction system of any transaction which does not pass settlement, and the successfully settled transaction is transmitted to the block chain data lake and the related settlement system of the bank, so that each transaction is ensured to be tracked in the settlement system;
if these trading systems or RTGS trades make errors, the accounting system can discover them. Once the transaction is found to be wrong, the settlement operation is not completed;
the system of the supervision units can stop one transaction to complete the transaction, complete all passing conditions under the condition that a plurality of supervision units participate, complete the transaction only through supervision and inspection under the condition that all participating supervision units need to complete the transaction, and finish the transaction after any supervision unit rejects.
9. A blockchain based large settlement system according to claim 7 adapted for domestic and cross-border payments wherein said transaction has been subjected to a first anti-illegal income legitimization check on said main chain or RTGS system and a second anti-illegal income legitimization check on said settlement system, said second anti-illegal income legitimization check comprising a check for international, domestic and/or local anti-illegal income legitimization; the two supervision algorithms are different, the illegal income prevention legalization analysis is light in weight in the transaction system due to the fact that the two supervision algorithms are timely, but the illegal income prevention legalization analysis is heavy in weight in the settlement system; and finally, the bank system can also perform the last anti-illegal income legalization analysis.
10. The system of claim 1, wherein each financial institution has its own blockchain computing system to record its account updates; or choose not to use the system of the block chain but to use the system of the traditional database type, the system of using the traditional database type can participate in the operation of the system of the block chain in the settlement system, but because the data in the database system can be changed and not discovered; these blockchain systems or traditional systems require interaction with the accounting system; a group of financial institutions agreeing to share data may jointly use a blockchain settlement system.
CN202210118617.8A 2021-10-15 2022-02-08 Block chain-based large transaction and settlement system Active CN114723422B (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN2021112008339 2021-10-15
CN202111200833 2021-10-15

Publications (2)

Publication Number Publication Date
CN114723422A true CN114723422A (en) 2022-07-08
CN114723422B CN114723422B (en) 2023-06-09

Family

ID=82235638

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210118617.8A Active CN114723422B (en) 2021-10-15 2022-02-08 Block chain-based large transaction and settlement system

Country Status (1)

Country Link
CN (1) CN114723422B (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107705113A (en) * 2017-09-06 2018-02-16 浙江大学 A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system
CN109087115A (en) * 2018-08-22 2018-12-25 浪潮软件集团有限公司 Commodity quality tracing and quality guaranteeing method based on electronic invoice
CN109949142A (en) * 2019-02-01 2019-06-28 深圳尚融供应链科技有限公司 A kind of dominant supply chain finance implementation method, system and terminal device
US20200167773A1 (en) * 2017-06-06 2020-05-28 Visa International Service Association Linked Multiple Blockchain System
CN112134834A (en) * 2020-05-19 2020-12-25 北京天德科技有限公司 Data lake system architecture based on block chain
CN112184199A (en) * 2020-11-12 2021-01-05 深圳市爱云信息科技有限公司 Intelligent supply chain block chain BaaS cross-border digital payment platform

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20200167773A1 (en) * 2017-06-06 2020-05-28 Visa International Service Association Linked Multiple Blockchain System
CN107705113A (en) * 2017-09-06 2018-02-16 浙江大学 A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system
CN109087115A (en) * 2018-08-22 2018-12-25 浪潮软件集团有限公司 Commodity quality tracing and quality guaranteeing method based on electronic invoice
CN109949142A (en) * 2019-02-01 2019-06-28 深圳尚融供应链科技有限公司 A kind of dominant supply chain finance implementation method, system and terminal device
CN112134834A (en) * 2020-05-19 2020-12-25 北京天德科技有限公司 Data lake system architecture based on block chain
CN112184199A (en) * 2020-11-12 2021-01-05 深圳市爱云信息科技有限公司 Intelligent supply chain block chain BaaS cross-border digital payment platform

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
XINWANG等: ""Inter-Bank Payment System on Enterprise Blockchain Platform"", 《2018 IEEE 11TH INTERNATIONAL CONFERENCE ON CLOUD COMPUTING》 *
郑步高: ""基于区块链技术的跨境支付问题研究"", 《现代金融导刊》 *

Also Published As

Publication number Publication date
CN114723422B (en) 2023-06-09

Similar Documents

Publication Publication Date Title
Koens et al. Assessing interoperability solutions for distributed ledgers
CN109242681B (en) Asset data storage method, device, equipment and system
CN107301600B (en) Core construction method of block chain Internet model for cross-chain transaction
US20200294158A1 (en) Method for secure ledger distribution and computer system using secure distributed ledger technology
WO2018232493A1 (en) A network of doubly-chained blockchains capable of cross-chain transactions
CN109685486A (en) A kind of polymeric chain framework based on block chain technology
CN112184199A (en) Intelligent supply chain block chain BaaS cross-border digital payment platform
GB2570301A (en) Interaction between blockchains
JP6218979B1 (en) Financial transaction method and system using blockchain
CN110020936B (en) Asset management method and device based on block chain and electronic equipment
CN110751468A (en) Multi-directional state channel method, system and medium for block chain expansion
CN113421166A (en) Asset sorting method and device based on block chain and electronic equipment
CN111598679A (en) Multi-legal-person joint loan method, system and medium based on block chain
US11842393B2 (en) Special purpose systems
CN111340628A (en) Asset information management method and device based on block chain
GB2578168A (en) Computer-implemented method and system for digital signing of transactions
Belchior et al. Enabling cross-jurisdiction digital asset transfer
CN114154969B (en) Large-scale trading and settlement method based on block chain
CA3191019A1 (en) Distributed ledger technology for asset-backed securities
CN108009916A (en) A kind of method and system of the universal payment book keeping operation based on affairs dynamic adjustment
CN112200670A (en) Event-driven intelligent contract platform design
CN114723422A (en) Large-scale transaction and settlement system based on block chain
CN111598389B (en) Transaction system for preventing bill market risk based on blockchain
CN111932255B (en) Method and device for realizing transaction reconciliation based on encrypted currency
US20240013207A1 (en) Method and system for performing electronic transactions

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant