CN115564419A - Method and system for realizing cross-bank transfer based on block chain - Google Patents
Method and system for realizing cross-bank transfer based on block chain Download PDFInfo
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Abstract
The invention discloses a method and a system for realizing cross-bank transfer based on a block chain, which relate to the field of block chains, and the method comprises the following steps: the transfer initiating line node receives a transfer request input by a user and sends the transfer request to the block chain network; the transfer receiving line node receives a transfer request sent by the blockchain network, matches the transfer request with account information of a user, processes the transfer request and sends a cross-line transfer result to the blockchain network; the optimal cross-bank transfer participant node initiates a consensus check request to the block chain network according to the cross-bank transfer result; each node sends the bank-crossing transfer verification result of the bank node to a block chain network; the optimal node receives all cross-row transfer verification results sent by a block chain network; and when the cross-row transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending a cross-row transfer result storage request to the block chain network for each cross-row node to store. The invention can realize high-efficiency and reliable inter-bank transfer and improve the user experience.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a method and a system for realizing cross-bank transfer based on a block chain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, inter-bank transfer between banks needs to be completed through an inter-bank settlement center, account checking needs to be carried out between the banks, the flow is complex, and system and human resources are wasted.
Disclosure of Invention
The embodiment of the invention provides a method for realizing cross-bank transfer based on a block chain, which is used for efficiently and reliably transferring cross-bank accounts, cross-bank transfer participant nodes form a block chain network, each cross-bank transfer participant node stores user account information of all banks in advance, and the method for realizing cross-bank transfer based on the block chain comprises the following steps:
the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information;
the transfer receiving line node receives a transfer request sent through a block chain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network;
the optimal cross-bank transfer participating node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result;
each inter-bank transfer participating bank node obtains an inter-bank transfer check result of the bank node according to the consensus check request sent by the blockchain network, and sends the inter-bank transfer check result of the bank node to the blockchain network;
the optimal cross-bank transfer participating bank node receives cross-bank transfer verification results of all cross-bank transfer participating bank nodes sent through a block chain network; and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating bank node to store.
The embodiment of the invention also provides a system for realizing cross-bank transfer based on a block chain, which is used for efficiently and reliably transferring the cross-bank transfer, wherein cross-bank transfer participating bank nodes form a block chain network, and each cross-bank transfer participating bank node is prestored with user account information of all banks, and the system comprises:
the transfer initiating line node is used for receiving a transfer request input by a user and sending the transfer request to the block chain network; the transfer request comprises transfer transaction information;
the transfer receiving line node is used for receiving a transfer request sent by a block chain network, matching the transfer transaction information with account information of the user, processing the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sending the cross-line transfer processing result to the block chain network;
the optimal cross-bank transfer participant node is used for receiving a cross-bank transfer processing result sent by a block chain network and sending a result consensus verification request to the block chain network according to the cross-bank transfer processing result; receiving cross-bank transfer verification results of all cross-bank transfer participant nodes sent through a block chain network; when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating node to store;
and each inter-bank transfer participating bank node is used for obtaining an inter-bank transfer verification result of the bank node according to the consensus verification request sent by the blockchain network and sending the inter-bank transfer verification result of the bank node to the blockchain network.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for realizing the cross-row transfer based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for realizing the cross-row transfer based on the block chain is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for implementing cross-bank transfer based on a blockchain is implemented.
In the embodiment of the invention, the scheme for realizing the cross-row transfer based on the block chain comprises the following steps: the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information; the transfer receiving line node receives a transfer request sent by a block chain network, matches the account information of the user according to the transfer transaction information, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network; the optimal cross-bank transfer participating node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result; each inter-bank transfer participating bank node obtains an inter-bank transfer check result of the bank node according to the consensus check request sent by the blockchain network, and sends the inter-bank transfer check result of the bank node to the blockchain network; the optimal cross-bank transfer participating bank node receives cross-bank transfer verification results of all cross-bank transfer participating bank nodes sent through a block chain network; and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating node to store, so that efficient and reliable cross-bank transfer can be realized, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart illustrating a method for implementing cross-row transfer based on a blockchain applied to a system in an embodiment of the present invention;
FIG. 2 is a flow chart illustrating a method for implementing cross-row transfer based on a blockchain applied to a system according to another embodiment of the present invention;
FIG. 3 is a schematic flow chart of a method for implementing cross-bank transfer based on a block chain, which is applied to an optimal cross-bank transfer participant node in the embodiment of the present invention;
FIG. 4 is a schematic flow chart of a method for realizing cross-bank transfer based on a block chain, which is applied to a transfer receiving bank node in the embodiment of the invention;
fig. 5 is a schematic structural diagram of a system for implementing cross-bank transfer based on a blockchain in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of a, B, and C, and may mean including any one or more elements selected from the group consisting of a, B, and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
The technical problem of the existing transfer scheme across lines is as follows: the inter-bank transfer needs to be completed through an inter-bank settlement center, account checking needs to be carried out between banks, the flow is complex, and the efficiency is low. Therefore, the embodiment of the invention provides a scheme for realizing cross-bank transfer based on a block chain, which is based on the block chain, eliminates a cross-bank settlement center and realizes efficient cross-bank transfer. According to the scheme, a transfer participant is used as a storage block for carrying out distributed storage on account data, and user account information and transfer transaction information are stored in the block. And linking the transactions of the user trans-bank account transfer to replace a trans-bank settlement center by using the decentralization and safety characteristics of the block chain. The decentralized shared general ledger is realized, the safety and reliability of data storage are improved, the process is finally simplified, and the efficiency is improved. The block chain-based scheme for implementing cross-bank transfer is described in detail below.
The cross-bank transfer participant node forms a block chain network, each cross-bank transfer participant node stores user account information of all banks in advance, fig. 1 is a schematic flow diagram of a method for realizing cross-bank transfer based on a block chain, which is applied to a system in the embodiment of the invention, and as shown in fig. 1, the method comprises the following steps:
step 101: the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information;
step 102: the transfer receiving line node receives a transfer request sent through a block chain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network;
step 103: the optimal cross-bank transfer participant node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result;
step 104: each inter-bank transfer participating bank node obtains an inter-bank transfer check result of the bank node according to the consensus check request sent by the blockchain network, and sends the inter-bank transfer check result of the bank node to the blockchain network;
step 105: the optimal cross-bank transfer participating bank node receives cross-bank transfer verification results of all cross-bank transfer participating bank nodes sent through a block chain network; and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating bank node to store.
The method for realizing cross-bank transfer based on the block chain provided by the embodiment of the invention comprises the following steps: the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information; the transfer receiving line node receives a transfer request sent through a block chain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network; the optimal cross-bank transfer participating node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result; each inter-bank transfer participating bank node obtains an inter-bank transfer check result of the bank node according to the consensus check request sent by the blockchain network, and sends the inter-bank transfer check result of the bank node to the blockchain network; the optimal cross-bank transfer participating bank node receives cross-bank transfer verification results of all cross-bank transfer participating bank nodes sent through a block chain network; and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating node to store, so that efficient and reliable cross-bank transfer can be realized, and the user experience is improved. The method for implementing the inter-row transfer based on the blockchain is described in detail below.
In one embodiment, the transfer originator node receives a transfer request input by a user, which may include: and the transfer initiating line node receives a transfer request input by a user through a pre-registered transfer two-dimensional code.
When the transfer method is specifically implemented, the transfer initiating node receives a transfer request input by a user through the pre-registered transfer two-dimensional code, and initiates the transfer request through the transfer two-dimensional code, so that the convenience of cross-bank transfer is further improved.
In one embodiment, the receiving node of the transfer account receives a transfer request sent through a blockchain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-bank transfer processing result, and sends the cross-bank transfer processing result to the blockchain network, which may include:
and the transfer receiving line node receives a transfer request sent through the blockchain network, matches the account information of the user according to the transaction information, processes the transfer request after judging that the transaction condition is met according to the account information of the user, obtains a cross-line transfer processing result, and sends the cross-line transfer processing result to the blockchain network.
In specific implementation, the transfer request is processed after the transaction condition is judged to be met according to the account information of the user, a cross-bank transfer processing result is obtained, and the safety of cross-bank transfer transaction can be further improved.
In an embodiment, the method for implementing cross-row transfer based on the blockchain may further include: after judging that the transaction condition is not met according to the account information of the user, the transfer receiving line node sends a notice of refusing the cross-line transfer transaction to the block chain network;
and the transfer initiating node receives the notice of rejecting the cross-bank transfer transaction sent by the blockchain network and provides the notice of rejecting the cross-bank transfer transaction for the user.
In specific implementation, the transfer receiving line node sends a notice of rejecting the cross-line transfer transaction after judging that the transaction condition is not met according to the account information of the user, so that the safety of the cross-line transfer transaction can be further improved.
In an embodiment, as shown in fig. 2, the method for implementing cross-row transfer based on a blockchain may further include:
step 201: the optimal cross-bank transfer participating bank node sends a random transaction request to the blockchain network at intervals of a preset time interval;
step 202: each cross-bank transfer participating bank node processes a random transaction request sent by the blockchain network and sends an obtained random transaction processing result to the blockchain network;
step 203: and the optimal cross-bank transfer participating bank node re-determines the optimal cross-bank transfer participating bank node according to the speed of the transaction processing result sent through the blockchain network.
In specific implementation, the optimal cross-bank transfer participating bank node is determined again at preset time intervals, such as one month, so that the reliability of cross-bank transfer transaction can be further improved.
Fig. 3 is a schematic flow chart of a method for implementing cross-bank transfer based on a block chain, which is applied to an optimal cross-bank transfer participant node in the embodiment of the present invention, and as shown in fig. 3, the cross-bank transfer method applied to the optimal cross-bank transfer participant node includes: step 031: receiving a cross-row transfer processing result sent through the blockchain network, and in step 032: initiating a result consensus verification request to a blockchain network according to the cross-row transfer processing result; step 033: receiving cross-bank transfer verification results of all cross-bank transfer participant nodes sent through a block chain network; step 034: and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participant node to store.
Fig. 4 is a schematic flow chart of a method for implementing cross-bank transfer based on a blockchain, which is applied to a transfer recipient node in the embodiment of the present invention, as shown in fig. 4, the method for implementing cross-bank transfer applied to the transfer recipient node includes: step 021: receiving a transfer request sent through a blockchain network, and a step 022: and matching account information of the user according to the transfer transaction information, and performing the steps of 023: processing the transfer request according to the account information of the user to obtain a cross-bank transfer processing result, and 024: and sending the cross-row transfer processing result to a block chain network.
In order to facilitate an understanding of how the invention may be practiced, reference will now be made in detail.
In the embodiment of the invention, transfer transaction initiation supports account number and two-dimensional code transfer; supporting user registration and generating a transfer two-dimensional code; transfer verification, namely acquiring account information according to the transaction information and judging whether the transaction conditions are met; and (5) the transfer transaction storage area is linked to finish the transfer. As described in detail below.
1. Implementation of registration:
the user registration is supported, the transfer two-dimensional code is generated for the user, the two-dimensional code of a collection user can be scanned during the user transfer, and the collection user information is identified. The bank card is bound when registering.
2. Implementation of the transfer transaction:
the user initiates a transfer transaction request, can input an account number of a receiving user or complete the scanning of the transfer two-dimensional code, acquires account information according to the transaction request information and judges whether a transaction condition is met. Judging whether the balance is greater than or equal to the transfer amount or not according to the balance in the account information; and judging whether the account state is frozen, normal and the like according to the account state in the account information. Wherein the transfer transaction request information includes: payment account, transfer amount, receiving user name, receiving account number, receiving bank, etc.
3. Implementation of the transaction system block:
the transfer participants are accessed as blocks, wherein the participants comprise users, paylines and paylines, each participant corresponds to one block, each block is provided with an initial node, each subsequent transfer transaction is generated, each block is broadcasted by the optimal block, and after the approval of the block exceeding 51 percent (threshold), each participant is recorded in each block.
4. Implementation of the trading node:
after each newly added transaction bill is confirmed through broadcasting, a new data node is generated, and each data node records the user information of both parties of the transaction and the information of the transaction amount.
5. The implementation method of the optimal block election comprises the following steps:
and a random transaction request generated every month is supported to be sent to all modules, and the optimal module is judged by receiving the response speed of all modules.
6. The transfer data query implementation mode is as follows:
the historical account transfer transaction information of the user is inquired from the block chain, and the user experience is improved.
To sum up, the method for implementing inter-row transfer based on the block chain provided by the embodiment of the invention implements:
1. and the block chain is utilized to realize the distributed storage of the cross-bank transfer transaction, and the block chain is used for a cross-bank settlement center, so that the safety of the cross-bank transfer transaction is improved.
2. And the optimal block competition in each month further improves the efficiency of cross-bank transfer.
In summary, the method for realizing cross-row transfer based on the block chain provided by the embodiment of the invention has the advantages that: by simulating a block chain data storage mode and building a block chain system of cross-bank transfer transaction data, decentralized transaction record storage can be achieved, safety and reliability of data storage are improved, a current cross-bank settlement center is eliminated, a process is finally simplified, and efficiency is improved.
The embodiment of the invention also provides a system for realizing cross-row transfer based on the block chain, which is described in the following embodiment. Because the principle of solving the problems of the system is similar to the method for realizing the cross-row transfer based on the block chain, the implementation of the system can refer to the implementation of the method for realizing the cross-row transfer based on the block chain, and repeated parts are not repeated.
As shown in fig. 5, the cross-bank transfer participating bank nodes form a block chain network, each cross-bank transfer participating bank node stores user account information of all banks in advance, fig. 5 is a schematic structural diagram of a system for implementing cross-bank transfer based on a block chain in the embodiment of the present invention, and as shown in fig. 5, the system includes:
the transfer initiating node 01 is used for receiving a transfer request input by a user and sending the transfer request to the block chain network; the transfer request comprises transfer transaction information;
the transfer receiving node 02 is used for receiving a transfer request sent by a block chain network, matching the transfer transaction information with account information of the user, processing the transfer request according to the account information of the user to obtain a cross-bank transfer processing result, and sending the cross-bank transfer processing result to the block chain network;
the optimal cross-bank transfer participating node 03 is used for receiving a cross-bank transfer processing result sent by a blockchain network, and initiating a result consensus verification request to the blockchain network according to the cross-bank transfer processing result; receiving cross-bank transfer verification results of all cross-bank transfer participant nodes sent through a block chain network; when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participant node to store;
and each inter-bank transfer participating bank node is used for obtaining an inter-bank transfer verification result of the bank node according to the consensus verification request sent by the blockchain network and sending the inter-bank transfer verification result of the bank node to the blockchain network.
In one embodiment, the transfer originator node is specifically configured to: and receiving a transfer request input by a user through a pre-registered and generated transfer two-dimensional code.
In one embodiment, the transfer recipient node is specifically configured to:
receiving a transfer request sent by a block chain network, matching account information of the user according to the transaction information, processing the transfer request after judging that transaction conditions are met according to the account information of the user, obtaining a cross-bank transfer processing result, and sending the cross-bank transfer processing result to the block chain network.
In one embodiment, the transfer receiving bank node is further configured to send a notification of rejecting the cross-bank transfer transaction to the blockchain network after determining that the transaction condition is not met according to the account information of the user;
the transfer initiating node is specifically used for receiving a notice of rejecting the cross-bank transfer transaction sent by the blockchain network and providing the notice of rejecting the cross-bank transfer transaction for the user.
In one embodiment, the optimal cross-bank transfer participant node is further configured to send random transaction requests to the blockchain network at preset time intervals; according to the speed of a transaction processing result sent by a block chain network, re-determining an optimal cross-row transfer participating row node;
each cross-bank transfer participating bank node is also used for processing a random transaction request sent by the blockchain network and sending an obtained random transaction processing result to the blockchain network.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for realizing the cross-row transfer based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for realizing the cross-row transfer based on the block chain is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for implementing cross-bank transfer based on a blockchain is implemented.
In the embodiment of the invention, the scheme for realizing the cross-row transfer based on the block chain comprises the following steps: the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information; the transfer receiving line node receives a transfer request sent through a block chain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network; the optimal cross-bank transfer participating node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result; each inter-bank transfer participating bank node obtains an inter-bank transfer check result of the bank node according to the consensus check request sent by the blockchain network, and sends the inter-bank transfer check result of the bank node to the blockchain network; the optimal cross-bank transfer participating bank node receives cross-bank transfer verification results of all cross-bank transfer participating bank nodes sent through a block chain network; and when the cross-bank transfer check result is that the number of the check passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating bank node to store, so that efficient and reliable cross-bank transfer can be realized, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (13)
1. The method for realizing cross-bank transfer based on the block chain is characterized in that cross-bank transfer participant nodes form a block chain network, user account information of all banks is stored in each cross-bank transfer participant node in advance, and the method for realizing cross-bank transfer based on the block chain comprises the following steps:
the transfer initiating line node receives a transfer request input by a user and sends the transfer request to a block chain network; the transfer request comprises transfer transaction information;
the transfer receiving line node receives a transfer request sent through a block chain network, matches the transfer transaction information with the account information of the user, processes the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sends the cross-line transfer processing result to the block chain network;
the optimal cross-bank transfer participant node receives a cross-bank transfer processing result sent by a blockchain network, and initiates a result consensus verification request to the blockchain network according to the cross-bank transfer processing result;
each inter-bank transfer participating bank node obtains an inter-bank transfer verification result of the bank node according to the consensus verification request sent by the blockchain network, and sends the inter-bank transfer verification result of the bank node to the blockchain network;
the optimal cross-bank transfer participant node receives cross-bank transfer verification results of all cross-bank transfer participant nodes sent through a block chain network; and when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating bank node to store.
2. A method for implementing a bank-chain based cross-line transfer as claimed in claim 1, wherein the transfer initiating node receives a user-entered transfer request comprising: and the transfer initiating line node receives a transfer request input by a user through a pre-registered and generated transfer two-dimensional code.
3. The method for realizing cross-bank transfer based on the blockchain as claimed in claim 1, wherein a transfer receiving node receives a transfer request sent through a blockchain network, matches account information of the user according to the transfer transaction information, processes the transfer request according to the account information of the user to obtain a cross-bank transfer processing result, and sends the cross-bank transfer processing result to the blockchain network, and the method comprises the following steps:
and the transfer receiving line node receives a transfer request sent through the blockchain network, matches the account information of the user according to the transaction information, processes the transfer request after judging that the transaction condition is met according to the account information of the user, obtains a cross-line transfer processing result, and sends the cross-line transfer processing result to the blockchain network.
4. A method for performing bank-chain based cross-line transfers as recited in claim 3, further comprising: after judging that the transaction conditions are not met according to the account information of the user, the transfer receiving line node sends a notice of rejecting the cross-line transfer transaction to the blockchain network;
and the transfer initiating node receives the notice of rejecting the cross-bank transfer transaction sent by the blockchain network and provides the notice of rejecting the cross-bank transfer transaction for the user.
5. A method for performing inter-bank transfers based on blockchains as recited in claim 1 further comprising:
the optimal cross-bank transfer participating bank node sends a random transaction request to the blockchain network at intervals of a preset time interval;
each cross-bank transfer participating bank node processes a random transaction request sent by a block chain network and sends an obtained random transaction processing result to the block chain network;
and the optimal cross-bank transfer participating bank node re-determines the optimal cross-bank transfer participating bank node according to the speed of the transaction processing result sent through the blockchain network.
6. The system for realizing cross-bank transfer based on the block chain is characterized in that cross-bank transfer participating bank nodes form a block chain network, user account information of all banks is stored in each cross-bank transfer participating bank node in advance, and the system for realizing cross-bank transfer based on the block chain comprises:
the transfer initiating line node is used for receiving a transfer request input by a user and sending the transfer request to the block chain network; the transfer request comprises transfer transaction information;
the transfer receiving line node is used for receiving a transfer request sent through a block chain network, matching the transfer transaction information with the account information of the user, processing the transfer request according to the account information of the user to obtain a cross-line transfer processing result, and sending the cross-line transfer processing result to the block chain network;
the optimal cross-bank transfer participant node is used for receiving a cross-bank transfer processing result sent by a block chain network and sending a result consensus verification request to the block chain network according to the cross-bank transfer processing result; receiving cross-bank transfer verification results of all cross-bank transfer participant nodes sent through a block chain network; when the cross-bank transfer verification result is that the number of verification passing results exceeds a preset threshold value, sending the cross-bank transfer processing result storage request to a block chain network for each cross-bank transfer participating node to store;
and each inter-bank transfer participating bank node is used for obtaining an inter-bank transfer verification result of the bank node according to the consensus verification request sent by the blockchain network and sending the inter-bank transfer verification result of the bank node to the blockchain network.
7. The system for implementing cross-bank transfers based on blockchains as recited in claim 6 wherein the transfer initiating bank node is specifically configured to: and receiving a transfer request input by a user through a pre-registered and generated transfer two-dimensional code.
8. The system for implementing cross-bank transfers based on blockchains as recited in claim 6, wherein the transfer recipient node is specifically configured to:
receiving a transfer request sent by a block chain network, matching account information of the user according to the transaction information, processing the transfer request after judging that transaction conditions are met according to the account information of the user, obtaining a cross-bank transfer processing result, and sending the cross-bank transfer processing result to the block chain network.
9. A system for implementing cross-bank transfer based on a blockchain as recited in claim 8 wherein the transfer recipient node is further configured to send a notification to the blockchain network rejecting a cross-bank transfer transaction after determining that the transaction condition is not met based on the account information of the user;
the transfer initiating node is specifically used for receiving a notice of refusing the cross-bank transfer transaction sent by the blockchain network and providing the notice of refusing the cross-bank transfer transaction for the user.
10. A system for implementing cross-bank transfers based on blockchain as recited in claim 6 wherein the optimal cross-bank transfer participant node is further configured to send random transaction requests to the blockchain network at preset intervals; according to the speed of a transaction processing result sent by a block chain network, re-determining an optimal cross-row transfer participating row node;
each inter-bank transfer participating node is also used for processing a random transaction request sent by the blockchain network and sending an obtained random transaction processing result to the blockchain network.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 5.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
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