CN114943527A - Cross-border payment method and system based on block chain technology - Google Patents

Cross-border payment method and system based on block chain technology Download PDF

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Publication number
CN114943527A
CN114943527A CN202210190412.0A CN202210190412A CN114943527A CN 114943527 A CN114943527 A CN 114943527A CN 202210190412 A CN202210190412 A CN 202210190412A CN 114943527 A CN114943527 A CN 114943527A
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Prior art keywords
payment
cross
remitter
transaction
border
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CN202210190412.0A
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Chinese (zh)
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杨桂凌
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Shenzhen Youyou Vision Technology Co ltd
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Shenzhen Youyou Vision Technology Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

The embodiment of the application discloses a block chain technology-based cross-border payment method and system, which are used for reducing cost and payment risks in international trade. The method in the embodiment of the application comprises the following steps: obtaining a remittance request of a remitter through a first payment platform, wherein the remittance request comprises remitter information, payee information and order information; establishing transaction connection with a receiver according to the remittance request; obtaining feedback of agreement to the transaction of the payee through a second payment platform, wherein the first payment platform and the second payment platform are payment platforms of different national borders or regions; determining a real-time rate according to the first payment platform and the second payment platform and sending the rate to the sender; receiving remittance approval feedback for the transferor; and performing transaction payment processing on the order information through a blockchain account book and informing the payee and the sender of transaction confirmation.

Description

Cross-border payment method and system based on block chain technology
Technical Field
The embodiment of the application relates to the field of block chain payment, in particular to a cross-border payment method and system based on a block chain technology.
Background
Under the background of popularization of internet information technology and integration of global economy, the scale of cross-border third-party payment transactions in China is continuously enlarged, and cross-border payment services of third parties are also actively developed. The China border-crossing e-commerce industry is in the trend of being integrated into globalization, and in recent years, under the joint promotion of governments and border-crossing e-commerce enterprises, the border-crossing transactions in China meet the period of high-speed development.
Blockchain funding pools refer to funding repositories used for blockchain transactions and developments. In the field of blockchain finance, a large amount of fixed capital formed by gathering mobile capital and attracting market capital is a capital pool. The block chain fund pool has high-strength liquidity and is suitable for digital currency transactions and virtual currency transactions. The mobile fund pool is also suitable for locking the token pool, and the block chain mobile fund deepens the connection between market and capital and is very popular in decentralized trading.
At present, international cross-border payment methods are various, such as PayPal, credit card, wire transfer, Western Union remittance, Money Gram and the like, however, the existing cross-border payment is more favorable for the benefit of a buyer, such as payment before delivery, and consumers are easy to generate distrust; moreover, the cross-border payment is generally forwarded and processed by a center, so that the problem of asymmetric cross-border payment information is easily caused, and the transaction process is low in efficiency and high in cost.
Disclosure of Invention
The embodiment of the application provides a cross-border payment method and system based on a block chain technology, which are used for reducing cost and payment risk in international trade.
The application provides a cross-border payment method based on a block chain technology in a first aspect, which comprises the following steps:
obtaining a remittance request of a remitter through a first payment platform, wherein the remittance request comprises remitter information, payee information and order information;
establishing transaction connection with a receiver according to the remittance request;
obtaining feedback of agreement to the transaction of the payee through a second payment platform, wherein the first payment platform and the second payment platform are payment platforms of different national borders or regions;
determining a real-time rate according to the first payment platform and the second payment platform and sending the rate to the remitter;
receiving remittance approval feedback for the transferor;
and performing transaction payment processing on the order information through a blockchain account book and informing the payee and the sender of transaction confirmation.
Optionally, after the obtaining of the remittance request of the remitter through the first payment platform, the cross-border payment method further includes:
judging whether the remittance request meets cross-border supervision requirements or not according to the remitter information and the payee information, wherein the remitter information comprises a remitter visa type;
if yes, transaction connection is established with the payee according to the remittance request.
Optionally, the determining a real-time rate according to the first payment platform and the second payment platform and sending the remitter includes:
determining a real-time exchange rate according to the first payment platform and the second payment platform;
calculating cross-border payment handling fees according to the real-time exchange rate and the order information, wherein the order information comprises goods information and order amount;
sending, by the first payment platform, the real-time rate of transfer and the cross-border payment commission to the transferor.
Optionally, after the sending the real-time rate and the cross-border payment handling fee to the remitter through the first payment platform, the cross-border payment method further includes:
and creating a block chain ledger fund pool according to the real-time exchange rate, wherein the block chain ledger fund pool is used for receiving funds injected by the payee and the remitter.
Optionally, before creating the blockchain ledger fund pool according to the real-time exchange rate, the cross-border payment method further includes:
and verifying the identity of the remitter and the payee.
Optionally, after the transaction payment processing is performed on the order information through the blockchain ledger and the payee is notified of the transaction confirmation with the remitter, the cross-border payment method further includes:
a receipt confirmation notification is obtained for the transferor.
Optionally, after obtaining the receipt confirmation notification of the transferor, the cross-border payment method further includes:
deducting, in the blockchain ledger fund pool, a payment charge of the remitter according to the receipt confirmation notice, the payment charge including the cross-border payment procedure fee and the order amount.
Optionally, after the deducting the payment fee of the remitter in the blockchain ledger fund pool according to the receipt confirmation notice, the cross-border payment method further includes:
deducting the cross-border transaction commission of the payee and sending a payee fund to the payee.
A second aspect of the present application provides a cross-border payment system based on blockchain technology, including:
the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring a remittance request of a remitter through a first payment platform, and the remittance request comprises remitter information, payee information and order information;
the establishing unit is used for establishing transaction connection with a receiving party according to the remittance request;
the second acquisition unit is used for acquiring the feedback of agreement of the payee through a second payment platform, and the first payment platform and the second payment platform are payment platforms of different national borders or regions;
the determining unit is used for determining a real-time transfer rate according to the first payment platform and the second payment platform and sending the transfer party;
a receiving unit for receiving remittance approval feedback of the remitter;
and the notification unit is used for performing transaction payment processing on the order information through a blockchain account book and notifying the payee of transaction confirmation with the remitter.
Optionally, the cross-border payment system further includes:
the judgment unit is used for judging whether the remittance request meets cross-border supervision requirements or not according to the remitter information and the payee information, wherein the remitter information comprises a remitter visa type;
and the establishing unit is used for establishing transaction connection with a receiver according to the remittance request when the judging unit determines that the remittance request meets the cross-border supervision requirement.
Optionally, the determining unit is specifically configured to:
determining a real-time exchange rate according to the first payment platform and the second payment platform;
calculating cross-border payment handling fees according to the real-time exchange rate and the order information, wherein the order information comprises goods information and order amount;
sending, by the first payment platform, the real-time rate of transfer and the cross-border payment commission to the transferor.
Optionally, the cross-border payment system further includes:
and the creating unit is used for creating a block chain account book fund pool according to the real-time exchange rate, and the block chain account book fund pool is used for receiving funds injected by the payee and the remitter.
Optionally, the cross-border payment system further includes:
and the verification unit is used for verifying the identity of the remitter and the payee.
Optionally, the cross-border payment system further includes:
a third obtaining unit that obtains a receipt confirmation notice of the remitter.
Optionally, the cross-border payment system further includes:
and the notification unit is used for deducting the payment charge of the remitter in the blockchain account fund pool according to the receiving confirmation notification, wherein the payment charge comprises the cross-border payment handling charge and the order amount.
Optionally, the cross-border payment system further includes:
and the issuing unit deducts the cross-border transaction commission of the payee and issues the payee funds.
A third aspect of the present application provides a cross-border payment system based on blockchain technology, including:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of the first aspect of the method as described above and in any of the alternatives of the first aspect.
A fourth aspect of the present application provides a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method of any one of the first aspect of the aforementioned method and alternatives of the first aspect.
According to the technical scheme, the embodiment of the application has the following advantages: the system obtains a remittance request of a remitter through the first payment platform, thereby establishing a transaction connection with the remitter. The system obtains the approval transaction feedback of the receiver through the second payment platform, determines the real-time remittance rate according to the first payment platform and the second payment platform, sends the remittance approval feedback to the remitter, receives the remittance approval feedback of the remitter, performs transaction payment processing on order information through the block chain account book, and informs the receiver and the remitter of transaction confirmation. As all the participating nodes in the block chain network maintain verification information together, the consistency of the information is ensured, the cross-border payment efficiency is greatly improved, and the cost and the payment risk in international trade are reduced.
Drawings
FIG. 1 is a schematic diagram of a cross-border payment method based on blockchain technology in the present application;
FIG. 2 is another schematic diagram of the cross-border payment method based on the blockchain technology in the present application;
FIG. 3 is another schematic diagram of the cross-border payment method based on the blockchain technology in the present application;
FIG. 4 is a schematic diagram of a block chain technology-based cross-border payment system according to the present application;
fig. 5 is another schematic diagram of the cross-border payment system based on the blockchain technology in the present application.
Detailed Description
In order to more clearly illustrate the technical solutions in the present application, the drawings required for the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings may be obtained according to these drawings without creative efforts.
The embodiment of the application provides a cross-border payment method based on a block chain technology, wherein the block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm and is essentially a decentralized database, cross-border payment is carried out through the block chain technology, so that the cross-border payment efficiency can be improved, and the cost and the payment risk in international trade are reduced. In this embodiment, an execution main body for processing a transaction flow may be a terminal or a system, and this embodiment exemplifies the system as the execution main body.
Referring to fig. 1, an embodiment of a cross-border payment method based on a blockchain technique is described as follows:
101. obtaining a remittance request of a remitter through a first payment platform;
in this embodiment, when an order is generated, the sender obtains a remittance request of the sender through the first payment platform, where the remittance request includes sender information, recipient information, and order information. The remitter is associated with the first payment platform, the remitter conducts transaction through the first payment platform, and the payment platform guarantees benefits of both parties of the transaction under the supervision of a bank through 'middleware' in the transaction process of the remitter and the both parties of the payee. The system acquires remitter information, payee information and order information according to the remittance request, wherein the remitter information, the payee information and the two-party visa type are specific, the order information comprises order amount, order generation time and an order detail table, and the system performs the next operation according to the acquired information.
102. Establishing transaction connection with a payee according to the remittance request;
in this embodiment, after the system obtains the remittance request of the remitter, it establishes the transaction connection according to the recipient information and the remitter information in the remittance request, i.e. establishes the point-to-point transmission between the remitter and the recipient without an intermediary organization,
to enable the transferee to conduct a transaction with the transferor. In the point-to-point transmission of the block chain, a sender and a receiver are nodes respectively, so that data transmission can be performed, and the problems of information inequality and trust can be solved. Specifically, a sender is associated with a first payment platform, a receiver is associated with a second payment platform, the system establishes transaction connection for the sender and the receiver through the first payment platform and the second payment platform, the two parties of the transaction conduct order transaction according to the transaction connection, cross-border payment is not conducted through a central forwarding mode, meanwhile, the consistency of information is improved, and the efficiency of cross-border payment is greatly improved.
103. Obtaining the feedback of the agreement transaction of the payee through the second payment platform;
in this embodiment, the first payment platform and the second payment platform are payment platforms in different countries or regions, and correspond to the transferor and the transferee, respectively. And if the receiver agrees to perform the transaction with the sender, the system acquires the agreement transaction feedback of the receiver through the second payment platform.
In an actual scene, the first payment platform is a payment platform of country A associated with a sender, the second payment platform is a payment platform of country B associated with a receiver, the system establishes transaction connection between the sender and the receiver by taking the first payment platform and the second payment platform as media, and acquires transaction requirements sent by the two parties by taking the transaction connection as a bridge, namely transaction transmission information and agreement transaction feedback.
104. Determining a real-time rate according to the first payment platform and the second payment platform and sending the rate to a sender;
in this embodiment, since the first transaction platform and the second transaction platform are payment platforms of different national borders or regions, the system can determine the real-time transfer rate according to the two platforms and send the real-time transfer rate to the remitter, so that the remitter sends remittance according to the transfer rate. The exchange rate is also called foreign exchange interest rate, foreign exchange rate or foreign exchange market, and refers to the ratio or ratio of one country's currency to another country's currency, or the price of another country's currency expressed by one country's currency. It should be noted that, because the transaction is a transnational payment, corresponding procedure fees are generated in the transaction process, and the system needs to send the relevant procedure fees to the transferor while sending the real-time exchange rate. In practical application, the real-time rate of remittance a country and remittance B country is 0.125, and after the system sends the real-time rate to the remittance, the remittance can judge whether the transaction meets the transaction requirements according to the real-time rate in combination with rate variation and market rate variation, so as to improve the profit.
105. Receiving remittance approval feedback from the transferor;
in this embodiment, the system determines the real-time rate according to the first payment platform and the second payment platform and sends the real-time rate to the sender, after the sender determines that the transaction can be performed according to the real-time rate, the sender sends a remittance agreement through the first payment platform associated with the sender, and the system receives a feedback of the remittance agreement of the sender through the first payment platform, which indicates that the sender agrees to perform the cross-border transaction after knowing the real-time rate of the cross-border payment and the relevant procedure fee generated in the transaction. Meanwhile, the system takes the remittance agreement feedback of the remitter as a transaction node, which indicates that both parties in the current transaction can enter a specific remittance process, and the detailed description is given in the following operation.
106. And performing transaction payment processing on the order information through the blockchain account book and informing the payee and the remitter of transaction confirmation.
After receiving the feedback of the remittance approval of the remitter, the system indicates that the remitter and the payee can carry out specific transaction operation, and the system carries out transaction payment processing on the order information through the block chain book and informs the payee and the remitter of carrying out transaction confirmation. The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm, and the block chain is a decentralized distributed account book database based on the computer encryption algorithm. And point-to-point settlement between the sender and the receiver is realized by utilizing point-to-point transmission of the block chain in the transaction process. Due to the characteristic that the block chain is decentralized, the time of traditional center forwarding is reduced, the transaction efficiency can be greatly improved, the two parties participating in the transaction do not need to spend much time in the cross-border payment process, and the reliability of data can be improved by performing cross-border payment through the block chain.
Specifically, the order information includes order amount, order generation time and an order detail table, and the system performs transaction payment processing on the order information surrounding the remitter and the payee through the block chain book and notifies the remitter and the payee to confirm the transaction.
In this embodiment, the system obtains a remittance request of a remitter through the first payment platform, thereby establishing a transaction connection with the remitter. The system obtains the approval transaction feedback of the receiver through the second payment platform, determines the real-time remittance rate according to the first payment platform and the second payment platform, sends the remittance approval feedback to the remitter, receives the remittance approval feedback of the remitter, performs transaction payment processing on order information through the block chain account book, and informs the receiver and the remitter of transaction confirmation. As all the participating nodes in the block chain network maintain the verification information together, the consistency of the information is ensured, the cross-border payment efficiency is greatly improved, and the cost and the payment risk in international trade are reduced.
Referring to fig. 2, an embodiment of a cross-border payment method based on the blockchain technology is described as follows:
201. obtaining a remittance request of a remitter through a first payment platform;
step 201 in this embodiment is similar to step 101 in the embodiment shown in fig. 1, and detailed description thereof is omitted here.
202. Judging whether the remittance request meets cross-border supervision requirements or not according to the remitter information and the payee information;
in this embodiment, cross-border payment relates to fund security of transaction and information security of both parties of transaction, and relates to financial stability, so after the system acquires a remittance request of a remitter, the system needs to perform auditing or verification aiming at remitter information, payee information and order information in the remittance request to protect property security of both parties of transaction; wherein the transferor information includes a transferor visa type.
In an actual scene, the system needs to collect information before transaction between two transaction parties, and if the transaction parties are domestic individuals, the system needs to collect information such as names, sexes, nationalities, professions, addresses, contact ways, effective identity card photocopies and the like; if the transaction party is an internal institution, acquiring information such as institution name, address, contact way, business scope, merchant business license, tax registration certificate, organization code certificate, legal representative or valid identity certificate of merchant responsible person, merchant ICP certificate, merchant information questionnaire, merchant acceptance agreement and the like; if the transaction party is an overseas organization, the information such as the photocopy of the business registration certificate document, the photocopy of the CEO authorization book document and the identity document of the agent, the photocopy of the bank account checking/account opening certificate, the license of the franchise operation and the like needs to be collected. And the collected information is checked for authenticity, such as identity card verification, industrial and commercial verification, payment authentication and the like. The system determines whether the remittance request meets the cross-border regulatory requirement through the above measures, and if the remittance request meets the cross-border regulatory requirement, the step 203 is executed.
203. Establishing a transaction connection with the recipient according to the remittance request;
204. obtaining the feedback of the agreement transaction of the payee through the second payment platform;
steps 203 to 204 in this embodiment are similar to steps 102 to 103 in the embodiment shown in fig. 1, and detailed description thereof is omitted here.
205. Determining a real-time exchange rate according to the first payment platform and the second payment platform;
206. calculating cross-border payment handling fees according to the real-time exchange rate and the order information;
207. sending a real-time rate and a cross-border payment commission to the transferor through the first payment platform;
in this embodiment, the first transaction platform and the second transaction platform are payment platforms of different countries or regions, the currency exchange rates of the different countries or regions are not consistent, and a corresponding cross-border payment commission is generated in the cross-border payment transaction process, and the cross-border payment commission is determined by the real-time exchange rate and the order information, wherein the order information includes the goods information and the order amount. And when the system determines the real-time exchange rate and calculates the cross-border payment handling fee according to the real-time exchange rate and the order information, the system sends the real-time exchange rate and the cross-border payment handling fee to the remitter through the first payment platform. Because the amount of the order is paid as the remitter, the system takes the country or the region where the remitter is located as the basic remittance when calculating the real-time remittance rate.
In practical application, the real-time transfer rate between the country of the sender a and the country of the receiver B is 0.125, the amount of the order made by the receiver is 80000 yuan, and the sender can determine that the amount of the order to be paid is 10000 yuan according to the real-time transfer rate of 0.125. The system calculates the cross-border payment handling fee to be paid by the remitter according to the real-time exchange rate, the order amount and related information such as logistics information, commodity type and the like. When the cross-border payment commission calculated by the system is 200 yuan, the real-time transfer rate of 0.125 and the cross-border payment commission of 200 yuan are sent to the remitter through the first payment platform. The remitter can judge whether to carry out transaction according to the information and the actual requirement.
208. Carrying out identity verification on the sender and the receiver;
209. creating a block chain account fund pool according to the real-time exchange rate;
in this embodiment, in order to protect the security of the information and funds of both transaction parties in the transaction process, the system further needs to perform information check on both transaction parties, i.e., the transferor and the transferee. When the system receives a transaction request of a party, namely a remittance request of a remittance party, the system needs to collect order information and perform authenticity verification, such as business type, commodity name, commodity specification, quantity, amount, logistics information, business code, order number, payer name, payer identification number, merchant order date, order time, payment time and the like. In addition, the system creates a block chain ledger fund pool according to the payee information and the sender information, wherein the block chain ledger fund pool is used for receiving funds injected by the payee and the sender so as to deduct corresponding expenses. The block chain account book fund pool can collect the mobile fund, deepen the connection between the market and the capital and provide a good platform for both trading parties.
210. Receiving remittance approval feedback from the transferor;
211. performing transaction payment processing on the order information through the block chain account book and informing the receiver and the sender to perform transaction confirmation;
steps 210 to 211 in this embodiment are similar to steps 105 to 106 in the embodiment shown in fig. 1, and detailed description thereof is omitted here.
212. Obtaining a receipt confirmation notice of the sender;
213. deducting the payment of the remitter from the blockchain ledger fund pool according to the receipt confirmation notice;
214. deducting the cross-border transaction commission of the payee and issuing the payee funds.
In this embodiment, the system performs transaction payment processing on the order information through the blockchain ledger, and after both transaction parties confirm the transaction, the system needs to obtain a receipt confirmation notification of the payee, and the payee confirms that the received goods are correct, and deducts payment fees of the remitter from the blockchain ledger fund pool according to the receipt confirmation notification, where the payment fees include cross-border payment handling fees and order amounts. Meanwhile, the system deducts the cross-border payment handling fee of the payee, namely the two transaction parties need to jointly bear the handling fee generated by the cross-border transaction; the system issues a collect amount to the recipient, the collect amount corresponding to the order amount. After the remitter and the receiver confirm the transaction, the system stores the fees to be paid by the remitter and the receiver. Specifically, the transferor pays the cross-border payment handling fee and the order amount to the blockchain ledger fund pool after confirming the transaction, and the payee pays the cross-border transaction handling fee to the blockchain ledger fund pool after confirming the transaction. After the remitter confirms to receive the goods, the system deducts corresponding fees from the block chain account fund pool respectively, and the transaction is completed.
In the embodiment, the system obtains a remittance request of a remitter through a first payment platform, judges whether both transaction parties meet supervision requirements or not, and conducts transaction if both transaction parties meet the supervision requirements; the system establishes transaction connection for both transaction parties and obtains the transaction approval feedback of the payee; the system calculates a cross-border payment commission based on the real-time rate and the order information and sends the cross-border payment commission to the transferor. In order to improve the safety of the transaction, the system carries out identity verification on both transaction parties and creates a block chain account fund pool according to the real-time exchange rate, wherein the block chain account fund pool is used for receiving funds injected by a payee and a remitter. And when the two transaction parties confirm the cost required by the transaction and agree to perform the transaction and the remitter confirms to withdraw, the system issues corresponding funds to the two transaction parties through the block chain account fund pool, and the transaction is completed. As all the participating nodes in the block chain network maintain verification information together, the consistency of the information is ensured, so that complex information synchronization and account checking are not needed in the block chain payment, the cross-border payment efficiency is greatly improved, and the cost and the payment risk in international trade are reduced. In addition, the transaction of the block chain is transparent, the information is disclosed, and the requirement of supervision is met.
Referring to fig. 3, in an embodiment of the present application, a cross-border payment system based on a blockchain technique includes:
a first obtaining unit 301, configured to obtain, through a first payment platform, a remittance request of a remitter, where the remittance request includes remitter information, recipient information, and order information;
an establishing unit 302, configured to establish a transaction connection with a receiving party according to the remittance request;
a second obtaining unit 303, configured to obtain a transaction agreement feedback of the payee through a second payment platform, where the first payment platform and the second payment platform are payment platforms in different national borders or regions;
a determining unit 304, configured to determine a real-time rate according to the first payment platform and the second payment platform, and send the remitter;
a receiving unit 305 for receiving remittance approval feedback of the transferor;
a notification unit 306, configured to perform a transaction payment process on the order information through a blockchain ledger and notify the payee of a transaction confirmation with the transferor.
Referring to fig. 4, in an embodiment of the present application, a cross-border payment system based on a blockchain technique includes:
a first obtaining unit 401, configured to obtain, through a first payment platform, a remittance request of a remitter, where the remittance request includes remitter information, recipient information, and order information;
a determining unit 402, configured to determine whether the remittance request meets cross-border regulatory requirements according to the remitter information and the payee information, where the remitter information includes a remitter visa type;
a creating unit 403, configured to create a transaction connection with a recipient according to the remittance request when the determining unit 402 determines that the remittance request meets the cross-border regulatory requirement;
a second obtaining unit 404, configured to obtain a transaction approval feedback of the payee through a second payment platform, where the first payment platform and the second payment platform are payment platforms in different national borders or regions;
a determining unit 405, configured to determine a real-time exchange rate according to the first payment platform and the second payment platform;
a calculating unit 406, configured to calculate a cross-border payment handling fee according to the real-time exchange rate and the order information, where the order information includes cargo information and an order amount;
a sending unit 407, configured to send the real-time rate and the cross-border payment handling fee to the remitter through the first payment platform;
a verification unit 408 for verifying the identity of the transferor and the transferee;
a creating unit 409, configured to create a block chain ledger fund pool according to the real-time remittance rate, where the block chain ledger fund pool is used to receive funds injected by the payee and the remitter;
a receiving unit 410 for receiving remittance approval feedback of the transferor;
a notification unit 411, configured to perform transaction payment processing on the order information through a blockchain ledger and notify the payee of transaction confirmation with the remitter;
a third obtaining unit 412 for obtaining a receipt confirmation notice of the transferor;
the notification unit 413 is configured to deduct payment fees of the remitter from the blockchain ledger fund pool according to the receipt confirmation notification, where the payment fees include the cross-border payment commission and the order amount;
and the issuing unit 414 is used for deducting the cross-border transaction handling fee of the payee and issuing the payee funds.
Referring to fig. 5, in an embodiment of the present application, a cross-border payment system based on a block chain technology includes:
a central processing unit 502, a memory 501, an input/output interface 503, a wired or wireless network interface 504 and a power supply 505;
the memory 501 is a transient storage memory or a persistent storage memory;
the central processor 502 is configured to communicate with the memory 501 and execute the instruction operations in the memory 501 to perform the steps in the embodiments shown in fig. 1 and 2.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and 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 units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

Claims (10)

1. A cross-border payment method based on a block chain technology is characterized by comprising the following steps:
the method comprises the steps that a remittance request of a remitter is obtained through a first payment platform, and remittance request remitter information, payee information and order information are obtained;
establishing transaction connection with a receiver according to the remittance request;
obtaining feedback of agreement to the transaction of the payee through a second payment platform, wherein the first payment platform and the second payment platform are payment platforms of different national borders or regions;
determining a real-time rate according to the first payment platform and the second payment platform and sending the rate to the remitter;
receiving remittance approval feedback for the transferor;
and performing transaction payment processing on the order information through a blockchain account book and informing the payee and the sender of transaction confirmation.
2. The cross-border payment method of claim 1, wherein after the obtaining of the remittance request of the remitter through the first payment platform, the cross-border payment method further comprises:
judging whether the remittance request meets cross-border supervision requirements or not according to the remitter information and the payee information, wherein the remitter information comprises a remitter visa type;
if yes, transaction connection is established with the receiving party according to the remittance request.
3. The cross-border payment method of claim 1, wherein the determining a real-time rate and sending the transferor according to the first payment platform and the second payment platform comprises:
determining a real-time exchange rate according to the first payment platform and the second payment platform;
calculating cross-border payment handling fees according to the real-time exchange rate and the order information, wherein the order information comprises goods information and order amount;
sending, by the first payment platform, the real-time rate of transfer and the cross-border payment commission to the transferor.
4. The cross-border payment method of claim 3, wherein after said sending the real-time rate and the cross-border payment commission to the remitter through the first payment platform, the cross-border payment method further comprises:
and creating a block chain ledger fund pool according to the real-time exchange rate, wherein the block chain ledger fund pool is used for receiving funds injected by the payee and the remitter.
5. The cross-border payment method of claim 4, wherein prior to the creating a blockchain ledger funds pool in accordance with the real-time exchange rate, the cross-border payment method further comprises:
and carrying out identity verification on the sender and the receiver.
6. The cross-border payment method of claim 1, wherein after the transaction payment processing of the order information through a blockchain ledger and notifying the transferee of a transaction confirmation with the transferor, the cross-border payment method further comprises:
a receipt confirmation notification is obtained for the transferor.
7. The cross-border payment method according to any one of claims 1 to 6, wherein after the obtaining of the receipt confirmation notice of the transferor, the cross-border payment method further comprises:
deducting payment fees of the remitter in the blockchain ledger fund pool according to the receipt confirmation notice, the payment fees including the cross-border payment commission and the order amount.
8. The cross-border payment method of claim 7, wherein after the deducting the payment fee of the remitter in the blockchain ledger fund pool according to the receipt confirmation notice, the cross-border payment method further comprises:
deducting the cross-border transaction commission of the payee and issuing a payee fund to the payee.
9. A cross-border payment system based on blockchain technology, comprising:
the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring a remittance request of a remitter through a first payment platform, and the remittance request comprises remitter information, payee information and order information;
the establishing unit is used for establishing transaction connection with a receiving party according to the remittance request;
the second acquisition unit is used for acquiring the feedback of agreement of the payee through a second payment platform, and the first payment platform and the second payment platform are payment platforms of different national borders or regions;
the determining unit is used for determining a real-time transfer rate according to the first payment platform and the second payment platform and sending the transfer party;
a receiving unit for receiving remittance approval feedback of the remitter;
and the notification unit is used for performing transaction payment processing on the order information through a blockchain account book and notifying the payee of transaction confirmation with the remitter.
10. A cross-border payment system based on blockchain technology, comprising:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of any of claims 1 to 6.
CN202210190412.0A 2022-02-28 2022-02-28 Cross-border payment method and system based on block chain technology Withdrawn CN114943527A (en)

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Application Number Priority Date Filing Date Title
CN202210190412.0A CN114943527A (en) 2022-02-28 2022-02-28 Cross-border payment method and system based on block chain technology

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210190412.0A CN114943527A (en) 2022-02-28 2022-02-28 Cross-border payment method and system based on block chain technology

Publications (1)

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