CN114998016A

CN114998016A - Cross-border transaction system and method based on block chain, electronic device and storage medium

Info

Publication number: CN114998016A
Application number: CN202210739482.7A
Authority: CN
Inventors: 朱少秦
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-06-24
Filing date: 2022-06-24
Publication date: 2022-09-02

Abstract

The invention provides a block chain cross-border transaction-based system, a block chain cross-border transaction-based method, electronic equipment and a storage medium, wherein the system comprises a user module, a cross-border transaction module and a cross-border transaction module, wherein the user module is used for carrying out identity verification on a user through a digital certificate generated by a alliance chain when an account is created; the inventory management module is used for creating an order through the verified seller nodes by the user module and generating corresponding goods certificate numbers hash; and the transaction center module is used for providing the buyer node with ordering transaction according to the goods certificate number hash of the inventory management module and recording the ordering transaction on the alliance chain after the seller node, the buyer node and the bank node electronically sign by using the flow process of the alliance chain. The invention ensures that the order data stream is real and effective by linking the real order data and adopting the block chain technology, is anti-falsified and traceable, and can realize the efficient transmission of the order information among multiple parties through the block chain, thereby reducing the risk of cross-border transaction.

Description

Cross-border transaction system and method based on block chain, electronic device and storage medium

Technical Field

The invention relates to the technical field of computer data processing, in particular to a block chain-based cross-border transaction system, a block chain-based cross-border transaction method, electronic equipment and a storage medium.

Background

The existing cross-border trade mainly has two modes of a credit card mode and a wire transfer mode in the fields of contracts and settlements. The credit mode means that import and export transactions must be settled through bank credit, and the credit system guarantees the benefits of both buyers and sellers in a third party mode, but the system is quite complicated in actual operation and needs to transmit export documents and the like between banks of both imports and exporters and clients in a mailing mode. In addition to the risk of lost parts in the middle, counterfeit of trade documents sometimes occurs, and the processing time may sometimes be as long as 1 month.

The wire transfer mode includes a pay-to-delivery mode and a prepaid mode. In the payment mode, once the exporter receives the goods but does not pay, the exporter faces the dilemma of losing both the property and the thing. In the prepaid mode, once the importer wire-transfers some of the funds in advance, the exporter cannot be bound and is therefore at risk of paying but not receiving the goods.

Disclosure of Invention

The invention provides a block chain-based cross-border transaction system, a block chain-based cross-border transaction method, electronic equipment and a storage medium, which are used for solving the problem of risk in cross-border transaction in the prior art.

In a first aspect, the present invention provides a blockchain-based cross-border transaction system, the system comprising:

the user module is used for carrying out identity verification on the user by the digital certificate generated by the alliance chain when the account is created;

the inventory management module is used for creating orders through the verified seller nodes by the user module and generating corresponding goods certificate numbers hash;

and the transaction center module is used for providing the buyer node with an order placing transaction according to the goods certificate number hash of the inventory management module, recording the order placing transaction on the alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized by using the flow process of the alliance chain, transferring the payment to the seller node by the bank node after the buyer node confirms that the goods are received, and recording the payment transaction on the alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized by using the case flow arranged in the alliance chain.

In an embodiment of the present invention, the transaction center module includes an order query unit, a buyer ordering unit, a buyer payment unit, a flow transaction record query unit, a cash transfer unit, a seller delivery unit, a buyer receiving unit, and a cash transaction record query unit; the buyer ordering unit is used for recording ordering transaction on a cordia alliance chain after three-party electronic signature of a seller node, a buyer node and a bank node is realized by using a flow process of the alliance chain, and the cash transfer unit is used for recording payment transaction on the cordia alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized by using a cash flow built in the cordia alliance chain.

In one embodiment of the invention, the flow process is a framework of the cordia alliance chain for processing order business logic, signing and executing contract logic and synchronizing order transaction update status to the cordia alliance chain to achieve seller node, buyer node and bank node three-party ledger reconciliation.

In an embodiment of the present invention, the flow of the buyer ordering unit is a flow initiated by a buyer node, and after the flow is initiated, the order service logic in the flow is automatically executed, where the order service logic includes that after the order is issued, the buyer indicates that a hash of a goods certificate number is automatically transferred from a seller node to a bank node, and that a token of a cash is automatically transferred from the buyer node to the bank node; the flow of the buyer receiving unit is a flow initiated by a buyer node, after the flow is initiated, the order business logic in the flow is automatically executed, and the order business logic comprises the automatic flow of the hash of the goods from the bank node to the buyer node and the automatic flow of the token of the cash from the bank node to the seller node.

In an embodiment of the present invention, the flow of the seller shipping unit is a flow initiated by a buyer node, and after the flow is initiated, the flow automatically executes an order service logic in the flow, where the order service logic includes that a hash indicating a certificate number of the goods is automatically transferred from a bank node to the buyer node, and a token indicating a cash is automatically transferred from the bank node to a seller node.

In a second aspect, the present invention provides a method for cross-border transaction based on blockchain, the method comprising:

acquiring ordering transaction information of a buyer node;

the flow process of the alliance chain is used for realizing the electronic signature of a seller node, a buyer node and a bank node and then recording the ordering transaction on the alliance chain;

and after the buyer node confirms that the goods are received, the bank node transfers the payment to the seller node, and the seller node, the buyer node and the bank node are electronically signed by using a case flow arranged in the alliance chain, and then the payment transaction is recorded on the alliance chain.

In an embodiment of the present invention, the step of acquiring the ordering transaction information of the buyer node includes:

initiating a buyer ordering flow process through a buyer node, wherein after the flow process is initiated, an order business logic in the flow is automatically executed, and the order business logic comprises that after the buyer orders, a hash representing a goods certificate number is automatically transferred to a bank node, and a token representing a cash is automatically transferred from the buyer node to the bank node;

and initiating a flow for receiving the goods by the buyer through the buyer node, and automatically executing order business logic in the flow after the flow is initiated, wherein the order business logic comprises the steps that the hash of the goods certificate is automatically transferred from the bank node to the buyer node, and the token of the cash is automatically transferred from the buyer node to the bank node.

In an embodiment of the present invention, the step of transferring the payment to the seller node by the bank node after the buyer node confirms the receipt of the goods further includes:

and initiating a flow through a buyer node, wherein after the flow is initiated, an order business logic in the flow is automatically executed, and the order business logic comprises that a token representing a cash is automatically transferred from a bank node to a seller node after the buyer confirms the delivery and pays.

In an embodiment of the present invention, before the payment is transferred to the seller node by the bank node after the buyer node confirms the receipt of the goods, the method further includes:

and confirming a goods receiving flow by a buyer initiated by a buyer node, and automatically executing order business logic in the flow after the flow is initiated, wherein the business logic comprises that the hash of the goods certificate is automatically transferred to the buyer node from the bank node, and the token of the cash is automatically transferred to the seller node from the bank node.

According to the block chain-based cross-border transaction system, the block chain-based cross-border transaction method, the electronic equipment and the storage medium, the alliance chain is introduced into the existing cross-border trade, the business process and related business data of the cross-border transaction are placed on the alliance chain, meanwhile, a third-party trust mechanism (such as a bank node) is introduced to assist in completing the transaction, the real order data are linked, the block chain technology ensures that the order data flow is real and effective, the tampering and tracing are prevented, and the efficient transmission of the order information among multiple parties can be realized through the block chain, so that the risk of the cross-border transaction is reduced.

Drawings

In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed for the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.

FIG. 1 is a block diagram of a system for cross-border transaction based on blockchain according to the present invention;

FIG. 2 is a flow chart illustrating a method for cross-border transaction based on blockchain according to the present invention;

FIG. 3 is a flowchart illustrating a method for cross-border transaction based on blockchain according to an embodiment of the present invention;

FIG. 4 is a schematic flow chart of a buyer placing an order according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an electronic device provided in the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," and the like in the description and in the claims, and in the drawings described above, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be implemented in other sequences than those illustrated or described herein.

The technical terms to which the present invention relates are described below:

cross-border trading is simply understood as external trading, which refers to a business activity of achieving a transaction through a cross-border trading platform (e.g., EWPT), delivering goods through cross-border logistics after payment and settlement, and completing the transaction. In the cross-border trade completion process, there are multiple links of order contract signing, logistics, customs declaration, foreign exchange payment and the like, and each link also involves different participants, which results in a long performance period and difficulty in mutual trust among the participants, and intermediate data involved in the performance process is often stored in a database on a central server, and the credibility, security, integrity and the like of the intermediate data are difficult to guarantee. In addition, in the prior art, when cross-border trade is checked, a large amount of data needs to be checked by using large manpower and material resources, the checking difficulty is high, and the clearance efficiency is low.

The Block Chain (Block Chain) is a distributed shared account book and a database, and has the characteristics of decentralization, no tampering, trace leaving in the whole process, traceability, collective maintenance, public transparency and the like. The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The types of blockchains are: public, private, and federation chains.

Public chain (Public block chain) represented by bitcoin and ether house, participants joining the Public chain can read data records on the chain, participate in transactions, compete for accounting rights of new blocks, and the like, and each participant (i.e., node) can freely join and leave the network.

The Private chain (Private Blockchain) only uses the general ledger technology of the Blockchain for accounting, which may be a company or an individual, and shares the write authority of the Blockchain alone, and the Private chain is not essentially different from other distributed storage schemes.

A federation chain (Consortium Block) is characterized in that a plurality of preselected nodes are designated as bookkeepers in a certain group, the generation of each block is jointly determined by all the preselected nodes through a consensus mechanism, other access nodes can participate in transactions, but the bookkeeping process is not asked, and any other person can make a limited query through an API opened by the Blockchain.

The embodiment of the invention adopts an alliance chain, and provides a block chain-based cross-border transaction system, a block chain-based cross-border transaction method, electronic equipment and a storage medium for solving the problem that cross-border transactions have risks in the prior art.

The system, method, electronic device and storage medium for cross border transaction based on block chain according to the present invention are described with reference to fig. 1 to 5.

Referring to fig. 1, fig. 1 is a block diagram illustrating a block chain-based cross-border transaction system according to the present invention. The invention discloses a block chain cross-border transaction system 100, which comprises a user module 110, an inventory management module 120 and a transaction center module 130.

Illustratively, the user module 110 is used for authenticating the user by a digital certificate generated by the federation chain when creating the account, including authenticating the user when the seller node, the buyer node, and the bank node are logged in. The user module 110 includes a login unit 111 and a registration unit 112. The seller, the buyer or the bank is authenticated, and when the seller, the buyer or the bank passes the authentication, the seller, the buyer or the bank is allowed to access the blockchain cross-border transaction system.

Illustratively, the inventory management module 120 includes a seller created goods unit 121, a seller goods listing unit 122, and a seller goods item query update unit 123. The inventory management module 120 is configured to create an order from the authenticated seller node by the user module 110 and generate a corresponding cargo credential number hash (hash) representing the unique social credential number for the cargo, which is converted to a hash value using a hash algorithm. Preferably, the hash algorithm in the embodiment of the present invention adopts the SHA-256 algorithm.

The block hash refers to hash the block header of a block, the obtained hash value is the identity number of the block, i.e. the ID of the block, which is a uniquely determined value, and the concatenation of blocks of the block chain is related by the hash value of each block, and then a very long linked list structure, i.e. a so-called block chain, is formed. There are many hash algorithms, such as MD5, SHA1, SH2(SHA224, SHA256, SHA384 and SHA512), SH3, RIPEMD-160.

Illustratively, the transaction center module 130 includes an order inquiry unit 131, a buyer ordering unit 132, a buyer payment unit 133, a flow transaction record inquiry unit 134, a cash transfer unit 135, a seller delivery unit 136, a buyer harvest unit 137, and a cash transaction record inquiry unit 138. The transaction center module 130 is configured to provide the buyer node with an order transaction according to the goods certificate number hash of the inventory management module 120, record the order transaction on the alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized by using a flow process of the alliance chain, transfer payment to the seller node by the bank node after the buyer node confirms that the goods are received, and record the payment transaction on the alliance chain after the three-party electronic signature of the seller node, the buyer node and the bank node is realized by using a cash flow built in the alliance chain.

It can be seen that the federation chain includes many nodes, with the goal of keeping the ledgers of all nodes consistent. For example, to reconcile accounts of the participating seller nodes, buyer nodes, and bank nodes, which is the case where the order and transfer are maintained.

The flow process is a framework of the cordia alliance chain, and is used for processing order business logic, signing and executing contract logic and synchronizing order transaction update states to the cordia alliance chain so as to achieve three-party account book consistency of a seller node, a buyer node and a bank node. The flow is a completely new architecture that can achieve the performance required by mainstream applications without impacting the distributivity or fragmentation network. That is, flow is processing business logic, signing, executing contract logic, and then synchronizing state (representing the order, including all attributes of the order) update state. And carrying out communication of different nodes by using flow, and then realizing the synchronization of the ledger.

In particular, a flow process needs to be initiated in connection with order status changes, for example, a flow process needs to be initiated in connection with transfers. A flow may contain several subflows, for example, a module of the buyer ordering unit 132, i.e. a flow comprising two subflows. One subflow is to transfer the token representing the case from the buyer node (layer) to the banking node (credit), and the other subflow is to transfer the order from the seller node (seler) to the banking node (credit).

For example, the module of the buyer receiving unit 137 includes two sub-flows under a flow, wherein one sub-flow automatically flows the hash indicating the goods certificate number from the banking node (credit) to the buyer node (buy), and the other sub-flow automatically flows the token indicating the case from the banking node (credit) to the seller node (seler).

Among them, cordia is developed by R3 alliance, and is a Distributed Ledger (Distributed hedger) platform designed specifically for financial departments. The most important function in the cordia platform is the flow mechanism, the relevant parties of the transaction and the associated parties, such as the buyer, the seller and the bank, are the three-party signature, and then the notentry (node network service) verifies the transaction to realize consensus.

Among them, cash (cashcin, cash for short) is a digital currency or cryptocurrency.

Illustratively, the order query unit 131 is configured to query information such as order status according to the goods voucher number hash.

Illustratively, the buyer ordering unit 132 is configured to record the ordering transaction on the cordia alliance chain after implementing three-party electronic signature of the seller node, the buyer node and the bank node by using the flow process of the alliance chain. The method specifically comprises a flow process initiated by a buyer node, wherein after the flow process is initiated, an order business logic in the flow is automatically executed, and the order business logic comprises that after the buyer places an order, the hash of a goods certificate is automatically transferred to a bank node, and a token of a cash is automatically transferred to the bank node from the buyer node.

Therefore, after the buyer node places an order, the goods certificate number hash representing the goods is transferred to the bank node, the transfer can be realized through a flow mechanism of cordia, the notary of the cordia realizes signature transfer, the cordia has a set of pluggable p' consensus mechanism, and allows notaries to select a consensus algorithm according to different requirements, wherein the consensus algorithm can be RAFT or BFT and the like, and is signed by a seller and a bank.

Illustratively, the buyer payment unit 133 is configured to notify the bank to pay after the buyer receives the goods shipped from the carrier to the buyer, and the flow of the buyer payment unit 133 is a flow initiated by the buyer node, and the flow is initiated to automatically execute the order business logic in the flow, wherein the order business logic includes that token representing the case is automatically transferred from the bank node to the seller node, and the transfer can be signed by the buyer and the bank through the case function built in the cordia. It should be noted that, before placing an order, the buyer will first make a bank open an account and store the digital rmb.

Illustratively, flow transaction record querying unit 134 is used to query the transaction status information by initiating a flow process.

Illustratively, the cash transfer unit 135 is configured to record the payment transaction on the corda federation chain after implementing electronic signature by three parties, the seller node, the buyer node, and the bank node, using a cash flow built in the corda federation chain.

Illustratively, the seller delivery unit 136 flow is a flow initiated by the buyer node, and after the flow is initiated, the flow automatically executes the order business logic in the flow, wherein the order business logic includes that the hash of the goods certificate number is automatically transferred from the bank node to the buyer node, and the token of the cash is automatically transferred from the bank node to the seller node.

Illustratively, the flow of the customer receiving unit 137 is a flow initiated by the customer node, and after the flow is initiated, the order business logic in the flow is automatically executed, and the order business logic comprises the automatic flow of the goods certificate number hash from the banking node to the customer node and the automatic flow of the token representing the cash from the banking node to the seller node.

Exemplarily, the cash transaction record querying unit 138 is configured to query transaction information of cash.

In conclusion, the invention ensures that the transaction data is encrypted by using a cordia alliance chain and the data is not falsified by multi-party signature, realizes the traceable of the transaction by using a cordia built-in data structure, and realizes the issuing and transaction of the bank node token based on the cordia built-in token management function.

Referring to fig. 2, fig. 2 is a schematic flow chart of the block chain-based cross-border transaction method according to the present invention. The invention discloses a block chain cross-border transaction method, which comprises the following steps:

step 210, obtaining ordering transaction information of a buyer node;

and step 220, realizing electronic signature of a seller node, a buyer node and a bank node by using a flow process of the alliance chain, and recording the ordering transaction on the alliance chain.

And step 230, after the buyer node confirms that the goods are received, the bank node transfers the payment to the seller node, and the seller node, the buyer node and the bank node are electronically signed by using a cash flow arranged in the alliance chain, and then the payment transaction is recorded on the alliance chain.

Exemplarily, the step 210 specifically includes:

initiating a buyer ordering flow through a buyer node, wherein after the flow is initiated, the order business logic in the flow is automatically executed, the order business logic comprises that the buyer orders to express that a cargo certificate number hash is automatically transferred to a bank node and a token of a case is automatically transferred to the bank node from the buyer node, and the buyer confirms that the token of the case is automatically transferred to the bank node from the buyer node after receiving the goods.

Exemplarily, the step 230 specifically includes:

and initiating a flow through a buyer node, and automatically executing order business logic in the flow after the flow is initiated, wherein the order business logic comprises that a token which indicates a case is confirmed by the buyer to automatically flow from a bank node to a seller node.

In some embodiments of the present invention, before the payment is transferred to the seller node by the bank node after the buyer node confirms the receipt of the goods, the method for performing a blockchain-based cross-border transaction according to the present invention further includes:

step 221, confirming a goods receiving flow by a buyer initiated by a buyer node, wherein after the flow is initiated, an order business logic in the flow is automatically executed, the business logic comprises that a goods certificate number hash is automatically transferred from a bank node to the buyer node, and a token of a case is automatically transferred from the bank node to a seller node.

It should be noted that, the system for cross-border transaction based on blockchain according to the embodiment of the present invention can implement all the method steps implemented by the method embodiment and achieve the same technical effects, and detailed descriptions of the same parts and beneficial effects as the method embodiment in this embodiment are omitted here.

In summary, the present invention introduces a alliance chain in the existing cross-border trade, puts the actual flow of the cross-border transaction and related data into the chain, and introduces a three-party trust authority (such as a bank, etc.) to assist in completing the transaction, thereby achieving traceability and non-repudiation of the data. Specifically, the credit card representing the goods right is electronized, the payment on behalf of the buyer is digitalized, and the transaction is carried out through a three-party trust mechanism and the credit card is jointly recorded and linked.

Referring to fig. 3, fig. 3 is a flowchart illustrating a method for cross border transaction based on a blockchain according to an embodiment of the present invention. The block chain-based cross-border transaction method comprises the following steps:

step 301, the buyer opens an account in the bank and stores the digital RMB.

At step 302, the seller node creates inventory.

Step 303, seller shelves goods and creates an order.

At step 304, the customer node confirms the order and fills in the date of receipt.

Illustratively, the flow process of the alliance chain is used for recording the ordering transaction on the alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized. The method specifically comprises the steps that a buyer node initiates a buyer ordering flow, after the flow is initiated, order business logic in the flow is automatically executed, and the order business logic comprises the steps that after the buyer orders, a hash of a goods certificate number is automatically transferred to a bank node, and a token of a cash is automatically transferred to the bank node from the buyer node.

Step 305, the purchaser node pays the bank node.

And step 306, the seller node sends the offline freight carrier by offline and online.

The seller node notifies the bank node of the shipping information, step 307.

At step 308, the offline shipping company transports the goods to the buyer node.

At step 309, the bank node receives the notification and automatically transfers the notification to the seller node.

Illustratively, after the buyer node confirms that the goods are received, the money of the goods is transferred to the seller node by the bank node, and the electronic signature of the seller node, the buyer node and the bank node is realized by using the cash flow built in the alliance chain, and then the payment transaction is recorded on the alliance chain. Specifically, a flow process is initiated through a buyer node, after the flow process is initiated, an order business logic in the flow is automatically executed, and the order business logic comprises that a token representing a case is automatically transferred from a bank node to a seller node when the buyer confirms that the goods are received.

In one embodiment of the present invention, the buyer ordering includes the following two steps:

first, token representing case is transferred from the layer to credit (initiate a flow). The participants are the layer, credit and defaultNotary as notaries, and the transaction needs the signature of the layer, credit and defaultNotary.

In the second step, the order (all attributes of the order, e.g., order number, amount, quantity, etc.) is transferred from the seller node to the credit (initiate a flow). The participants are buyer, credit, and seller, defaultNotary are used as notary, the signatures of the buyer, credit, and defaultNotary are needed for the transaction, and the signatures of the seller are not needed, so long as the transaction is finally notified to the seller.

In one embodiment of the present invention, the seller confirming the receipt comprises the following two operations:

in the first step, token representing the case is transferred from credit to seler (initiate a flow), where the participants are seler, credit, defaultNotary as notary and the transaction requires seler, credit and defaultNotary signatures.

In the second step, the order (all attributes of the order, e.g., order number, amount, quantity, etc.) is transferred from credit to buyer (initiate a flow). The participants are buyer, credit, seller and defaultNotary, the transaction needs buyer, credit and defaultNotary signatures, the buyer signature is not needed, and the transaction can be informed to the buyer finally.

Referring to fig. 4, fig. 4 is a schematic view illustrating a process of ordering by a buyer according to an embodiment of the present invention. Taking the second step in the order placing of the buyer as an example, and taking token transfer flow in the order placing of the buyer as an example, the participating parties here are a layer (buyer node), a credit (bank node), and a defaultnote (notary node).

The layer initiates a transaction (as in steps S401 to S405): the initiator calculates the value of the new state according to the state and the input of CorDapp; a transaction with the new state is then generated and signed. The status here may be considered an order object. The input includes the layer (initiator), the credit (receiver), the self (participant), the transit id (for linking the token transfer and the order goods transfer), the defaultnote (notary node), the update time and other information of token transfer from the layer to the credit, and the state change refers to the overturn of the order state.

credit verification transaction (in steps S406-S408): the respondent verifies the "contract" to which the transaction is directed, signs the transaction if the transaction is valid, and the contract mainly verifies the transaction, for example, the amount of the order is more than 0.

defaultNotary verifies the transaction (as in step S409): the transaction is again verified by the designated 'notarization service', which signs the transaction if valid.

Update the account (see steps S410 to S411): the layer and the credit check whether the transaction is attached with a signature of a 'notarization service' defaultNotary, and if so, the account book is updated (the layer and the credit are updated respectively).

In summary, the present invention introduces a federation chain into the existing cross-border trade, places the business process and related business data of the cross-border trade on the federation chain, and introduces a third-party trust authority (such as a bank node) to assist in completing the trade, and links the real order data, so that the block chain technology ensures that the order data flow is real and effective, tamper-proof and traceable, and can realize efficient transmission of order information among multiple parties through the block chain, thereby reducing the risk of the cross-border trade.

Fig. 5 illustrates a physical structure diagram of an electronic device, which may include, as shown in fig. 5: a processor (processor)510, a communication Interface (Communications Interface)520, a memory (memory)530 and a communication bus 540, wherein the processor 510, the communication Interface 520 and the memory 530 communicate with each other via the communication bus 540. Processor 510 may invoke logic instructions in memory 530 to perform the fund quick redemption method, the method comprising:

acquiring ordering transaction information of a buyer node;

and after the buyer node confirms that the goods are received, the bank node transfers the payment to the seller node, and the seller node, the buyer node and the bank node are electronically signed by using a cash flow arranged in the alliance chain, and then the payment transaction is recorded on the alliance chain.

Furthermore, the logic instructions in the memory 530 may be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention or a part thereof which substantially contributes to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several 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 invention. 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, and other various media capable of storing program codes.

In another aspect, the present invention also provides a computer program product, which includes a computer program stored on a non-transitory computer readable storage medium, the computer program including program instructions, when the program instructions are executed by a computer, the computer can execute the method for cross-border transaction based on block chain provided by the above methods.

In yet another aspect, the present invention further provides a non-transitory computer-readable storage medium, on which a computer program is stored, the computer program being implemented by a processor to execute the blockchain-based cross-border transaction methods provided in the above aspects.

In the electronic device, the computer program product, and the processor-readable storage medium provided in the embodiments of the present invention, the computer program stored on the computer program enables the processor to implement all the method steps implemented by the foregoing method embodiments, and achieve the same technical effects, and details of the same parts and beneficial effects as those of the method embodiments in this embodiment are not described herein again.

The above-described embodiments of the apparatus are merely illustrative, and 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 modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. A blockchain-based cross-border transaction system, the system comprising:

2. The blockchain-based cross-border transaction system of claim 1, wherein the transaction center module comprises an order inquiry unit, a buyer ordering unit, a buyer payment unit, a flow transaction record inquiry unit, a cash transfer unit, a seller delivery unit, a buyer receipt unit and a cash transaction record inquiry unit; the buyer ordering unit is used for recording ordering transaction on a cordia alliance chain after three-party electronic signature of a seller node, a buyer node and a bank node is realized by using a flow process of the alliance chain, and the cash transfer unit is used for recording payment transaction on the cordia alliance chain after three-party electronic signature of the seller node, the buyer node and the bank node is realized by using a cash flow built in the cordia alliance chain.

3. The blockchain-based cross-border transaction system of claim 2, wherein the flow process is a framework of the cordia federation chain for processing order business logic, signing and executing contract logic and synchronizing order transaction update status to the cordia federation chain to achieve seller node, buyer node and bank node three-party ledger reconciliation.

4. The blockchain-based cross-border transaction system of claim 3, wherein the flow of the buyer placing the order unit is a flow initiated by a buyer node, and after the flow is initiated, the order business logic in the flow is automatically executed, and the order business logic comprises that after the buyer places the order, the hash of the goods certificate number is automatically transferred from the seller node to the bank node, and the token representing the cash is automatically transferred from the buyer node to the bank node; the flow of the buyer receiving unit is a flow initiated by a buyer node, after the flow is initiated, the order business logic in the flow is automatically executed, and the order business logic comprises the steps that the hash of the goods certificate is automatically transferred from the bank node to the buyer node, and the token of the case is automatically transferred from the bank node to the seller node.

5. The blockchain-based cross-border transaction system of claim 3, wherein the flow of the seller shipping unit is a flow initiated by a buyer node, and after the flow is initiated, the order business logic in the flow is automatically executed, and the order business logic comprises that the certificate number hash of the goods is automatically streamed from the banking node to the buyer node, and the token representing the cash is automatically streamed from the banking node to the seller node.

6. A method for cross-border transaction based on block chain, the method comprising:

acquiring ordering transaction information of a buyer node;

using the flow process of the alliance chain to realize that the seller node, the buyer node and the bank node record the ordering transaction on the alliance chain after three-party electronic signature;

7. The blockchain-based cross-border transaction method of claim 6, wherein the step of obtaining ordering transaction information of the buyer node comprises:

initiating a flow process of ordering by a buyer through a buyer node, and automatically executing order business logic in the flow after the flow process is initiated, wherein the order business logic comprises that the hash of a goods certificate number is automatically transferred to a bank node after the buyer orders and a token representing a cash is automatically transferred to the bank node from the buyer node;

8. The blockchain-based cross-border transaction method of claim 6, wherein the step of transferring payment from the banking node to the seller node after the buyer node confirms receipt of the goods further comprises:

and initiating a flow through a buyer node, wherein after the flow is initiated, an order business logic in the flow is automatically executed, and the order business logic comprises that after the buyer confirms to receive goods and pays the goods, a token representing a cash is automatically transferred from the bank node to the seller node.

9. The blockchain-based cross-border transaction method of claim 6, wherein before the buyer node confirms receipt of the goods and then the banking node transfers payment to the seller node, the method further comprises:

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the steps of the blockchain-based cross-border transaction method according to any one of claims 6 to 9.

11. A non-transitory computer readable storage medium having a computer program stored thereon, wherein the computer program when executed by a processor implements the steps of the blockchain-based cross-border transaction method according to any one of claims 6 to 9.