CN115564420A

CN115564420A - Cross-border remittance processing method and device based on block chain

Info

Publication number: CN115564420A
Application number: CN202211180173.7A
Authority: CN
Inventors: 刘萌萌
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-09-27
Filing date: 2022-09-27
Publication date: 2023-01-03

Abstract

The invention discloses a block chain-based cross-border remittance processing method and a device, relating to the technical field of block chains, wherein the method comprises the following steps: the method comprises the steps that a sender receives a cross-border remittance request submitted by a user, the sender automatically carries out safety verification on information contained in the cross-border remittance request, after the verification is successful, the sender is informed to fund according to remittance amount from a block chain escrow account of the sender, nodes on a block chain automatically carry out transfer processing from the block chain escrow account of the sender to the block chain escrow account of a receiver, after the transfer processing is successful, a cash withdrawal request is sent to the receiver, so that the receiver verifies the information contained in the cross-border remittance request, and after the verification is successful, transfer from an entity account of the receiver is automatically realized. The invention realizes automatic and real-time cross-border remittance, reduces the cross-border remittance time from the days level to the millisecond level, greatly improves the cross-border remittance efficiency, reduces the labor cost and improves the position utilization rate.

Description

Cross-border remittance processing method and device based on block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a block chain-based cross-border remittance processing method and device. It should be noted that the cross-border remittance processing method and apparatus based on the blockchain of the present invention can be used in the field of blockchain technology, and can also be used in any field except the field of blockchain technology.

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.

The global economy is rapidly developed, cross-border remittance scenes are more and more, in recent years, the block chain technology is more and more widely applied to cross-border remittance, in the existing cross-border remittance method, the block chain remittance can be carried out only when money is in a block chain account, which requires that money is required to be paid in advance before remittance service is initiated, and the block chain account is initiated to be taken out after the service is finished, so that if the money is insufficient in the block chain account, remittance failure of a client is caused, and the client experience is poor. For example, cross-border reservation remittance is relatively strong in season, businesses are concentrated on two months each year, remittance quantity and remittance amount of the current day cannot be predicted in advance, and if too much money is paid in advance, fund waste is caused; insufficient amounts, if any, may result in a loss of the customer's money transfer.

In addition, in the existing cross-border remittance method, many services are manually operated, for example, a funding operation needs to be performed at the beginning of a day, and a cash-withdrawing operation needs to be performed at the end of the day.

Disclosure of Invention

The embodiment of the invention provides a cross-border remittance processing method based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency and is applied to a remittance bank, and the method comprises the following steps:

the remittance bank receives a cross-border remittance request submitted by a user; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the remittance bank verifies the remittance bank information, the collection bank information, the remittance amount and the remittance user information, and remittance is carried out from the remittance bank account to the remittance bank physical escrow account according to the remittance amount after the verification is passed;

after the remittance succeeds in remitting money to the entity escrow account of the remittance bank, the remittance bank chain escrow account of the remittance bank is informed to fund the remittance amount, so that the nodes and the remittance bank on the block chain perform the following operations:

the nodes on the block chain transfer the money from the block chain escrow account of the remittance bank to the block chain escrow account of the recipient bank according to the remittance amount; after the transfer is successfully processed, a cash withdrawal request is sent to a cash receiving bank; the cash-out request comprises remittance bank information, payee bank information, remittance amount and remittance user information;

the receiving bank verifies the remittance bank information, the receiving bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance bank receives money from the entity escrow account of the receiving bank to the entity escrow account of the receiving bank according to the remittance amount, and transfers the money from the entity escrow account of the receiving bank to the entity account of the receiving bank.

The embodiment of the invention provides a cross-border remittance processing method based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency, is applied to nodes on the block chain and comprises the following steps:

the nodes on the blockchain receive the funding notice of the remittance after the remittance verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance entity account to the remittance entity escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the nodes on the blockchain fund the blockchain escrow account of the money transfer bank according to the money transfer amount, performing transfer processing from the blockchain escrow account of the remittance bank to the blockchain escrow account of the collection bank;

after the transfer processing is successful, the node on the block chain initiates a cash-fetching request to a collection line so that the collection line: verifying the cash withdrawal request, after the cash withdrawal request passes the verification, receiving money from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and transferring money from the entity escrow account of the receiving bank to the entity account of the receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information.

The embodiment of the invention provides a cross-border remittance processing method based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency and is applied to a payee, and the method comprises the following steps:

the receiving bank receives a cash-withdrawal request which is initiated after the node on the blockchain fund the blockchain escrow account of the remittance according to the remittance amount and the transfer from the blockchain escrow account of the remittance bank to the blockchain escrow account of the receiving bank is successfully processed, wherein the cash-withdrawal request comprises remittance bank information, receiving bank information, the remittance amount and remittance user information; wherein, the node on the block chain receives the fund notification of the remittance bank after the remittance bank verifies the cross-border remittance request submitted by the user and successfully remittance from the remittance bank account to the remittance bank entity escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

The embodiment of the invention provides a cross-border remittance processing device based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency, is applied to a remittance bank and comprises:

the cross-border remittance request receiving module is used for receiving a cross-border remittance request submitted by a user by a remittance bank; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the verification module is used for verifying remittance bank information, payee bank information, remittance amount and remittance user information by a remittance bank, and remitting money from a remittance bank entity account to a remittance bank entity escrow account according to the remittance amount after the remittance bank passes the verification;

the automatic funding and automatic cash-out module is used for informing the blockchain escrow account of the remittance bank to fund according to the remittance amount after the remittance bank successfully remits the remittance to the entity escrow account of the remittance bank, so that the nodes on the blockchain and the remittance bank execute the following operations:

the nodes on the block chain transfer the money from the block chain escrow account of the remittance bank to the block chain escrow account of the receiving bank according to the remittance amount; after the transfer is successfully processed, a cash withdrawal request is sent to a cash receiving bank; the cash-out request comprises remittance bank information, payee bank information, remittance amount and remittance user information;

The embodiment of the invention provides a cross-border remittance processing device based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency, is applied to nodes on the block chain and comprises:

the fund transfer notification receiving module is used for receiving the fund transfer notification of the remittance bank after the remittance bank verifies and passes the cross-border remittance request submitted by the user and successfully remittance from the remittance bank account to the remittance bank physical escrow account according to the remittance amount by the node on the blockchain; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the automatic fund transfer and transfer module is used for the nodes on the blockchain to fund the blockchain escrow account of the bank remittance according to the remittance amount and transfer the fund from the blockchain escrow account of the bank remittance bank to the blockchain escrow account of the bank remittance bank;

and the automatic cash withdrawal initiating module is used for initiating a cash withdrawal request to a collection bank after the transfer processing of the nodes on the block chain is successful so that the collection bank: verifying the cash withdrawal request, after the cash withdrawal request passes the verification, receiving money from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and transferring money from the entity escrow account of the receiving bank to the entity account of the receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information.

The embodiment of the invention provides a cross-border remittance processing device based on a block chain, which is used for reducing manual operation, avoiding fund waste in the block chain and improving cross-border remittance efficiency, is applied to a payee and comprises:

the cash-taking request receiving module is used for the receiving bank to receive the cash-taking request initiated after the node on the blockchain funds the blockchain escrow account of the remittance bank according to the remittance amount and the transfer from the blockchain escrow account of the remittance bank to the blockchain escrow account of the receiving bank succeeds, wherein the cash-taking request comprises remittance bank information, receiving bank information, remittance amount and remittance user information; the nodes on the blockchain receive the funding notice of the remittance bank after the remittance bank verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

and the verification and cash-out module is used for verifying the information of the remittance bank, the information of the collection bank, the remittance amount and the remittance user information by the collection bank, receiving money from the entity escrow account of the collection bank according to the remittance amount after the verification is passed, and transferring money from the entity escrow account of the collection bank to the entity account of the collection bank.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the trans-border remittance processing method based on the block chain.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing trans-border remittance based on a block chain is implemented.

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 processing across-border remittance based on a blockchain is implemented.

In the embodiment of the invention, a money transfer bank receives a cross-border money transfer request submitted by a user; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information; the remittance bank verifies the remittance bank information, the collection bank information, the remittance amount and the remittance user information, and remittance is carried out from the remittance bank account to the remittance bank physical escrow account according to the remittance amount after the verification is passed; after the remittance bank successfully remits the money to the entity escrow account of the remittance bank, the remittance bank chain escrow account of the remittance bank is informed to fund according to the remittance amount, so that the nodes and the remittance bank on the bank chain execute the following operations: the nodes on the block chain transfer the money from the block chain escrow account of the remittance bank to the block chain escrow account of the receiving bank according to the remittance amount; after the transfer is successfully processed, a cash withdrawal request is sent to a cash receiving bank; the cash-out request comprises remittance bank information, payee bank information, remittance amount and remittance user information; the receiving bank verifies the remittance bank information, the receiving bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance bank receives money from the entity escrow account of the receiving bank to the entity escrow account of the receiving bank according to the remittance amount, and transfers the money from the entity escrow account of the receiving bank to the entity account of the receiving bank. In the whole cross-border remittance processing process, the remittance bank automatically executes verification and informs a block chain escrow account of the remittance bank to fund according to the remittance amount according to a cross-border remittance request of a user, so that nodes on the block chain automatically execute fund transfer, transfer and initiation of cash withdrawal and the remittance bank automatically executes transfer to a physical account of the remittance bank, and finally, the real-time automatic cross-border remittance is realized, the cross-border remittance time is reduced to a millisecond level from a day level, the cross-border remittance processing efficiency is greatly improved, the labor cost is reduced, and the position utilization rate is improved.

In the embodiment of the invention, the node on the block chain receives the funding notice of the remittance bank after the remittance bank passes the verification of the cross-border remittance request submitted by the user and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; funding a blockchain escrow account of a remittance bank according to the remittance amount, and performing transfer processing from the blockchain escrow account of the remittance bank to the blockchain escrow account of a receiving bank; after the transfer process is successful, a cash withdrawal request is initiated to the payee to cause the payee to: and verifying the cash withdrawal request, after the verification is passed, receiving the money from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and transferring the money from the entity escrow account of the receiving bank to the entity account of the receiving bank. In the whole cross-border remittance processing process, the nodes on the block chain automatically execute the fund transfer, the account transfer and the cash withdrawal request according to the received fund transfer notice of the remittance bank, so that the cash withdrawal request can be automatically checked by the remittance bank and transferred to the entity account of the remittance bank, the real-time automatic cross-border remittance is finally realized, the cross-border remittance time is reduced to the millisecond level from the day level, the cross-border remittance efficiency is greatly improved, the labor cost is reduced, and the position utilization rate is improved.

In the embodiment of the invention, a receiving bank receives a money transfer request sent by a node on a block chain according to a remittance amount, and sends the money transfer request after the money transfer from the block chain escrow account of the remittance bank to the block chain escrow account of the receiving bank is successful, wherein the money transfer request comprises remittance bank information, receiving bank information, remittance amount and remittance user information; the nodes on the blockchain receive the funding notice of the remittance bank after the remittance bank verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information; the receiver bank verifies the remittance information, the receiver bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance amount is received from the entity escrow account of the receiver bank to the entity escrow account of the receiver bank, and the money is transferred from the entity escrow account of the receiver bank to the entity account of the receiver bank. In the whole cross-border remittance processing process, a remittance bank automatically performs verification and informs a block chain escrow account of the remittance bank to fund according to the remittance amount according to a cross-border remittance request of a user, and after nodes on the block chain automatically perform the fund transfer, the transfer and the cash withdrawal request, the remittance bank information, the remittance amount and the remittance user information are automatically verified, and after the verification is passed, the remittance bank entity account is transferred, so that the real-time automatic cross-border remittance is finally realized, the cross-border remittance time is reduced to a millisecond level from a day level, the cross-border remittance efficiency is greatly improved, the labor cost is reduced, and the head size utilization rate 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 block chain cross-border payment system architecture;

FIG. 2 is a flow diagram illustrating a block chain based trans-border money transfer process in accordance with an embodiment of the present invention;

FIG. 3 is a block chain based cross-border money transfer processing method according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of a blockchain-based cross-border money transfer processing device according to an embodiment of the present invention;

FIG. 5 is a diagram of a computer device in an embodiment of the 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.

First, terms related to the present invention will be explained.

Block chains: the system is essentially a shared database, and the data or information stored in the shared database has the characteristics of being unforgeable, leaving traces in the whole process, being traceable, being open and transparent, being maintained collectively and the like.

Block chain payment system: by connecting the blockchain network platform, the payment system of the cross-border remittance service is realized, and the functions of processing remittance transactions, initiating requests such as identity registration, transaction information synchronization and transaction browsing to the blockchain network, and simultaneously calling systems such as a core bank to complete entity account billing, compliance check and the like can be supported.

Block chain network: the system is a core module of the block chain payment system and provides a sharing function and a query function of identity information and transaction information in a block chain platform.

And (4) account management row: is a role within the blockchain payment system, with the participating parties opening a funds escrow account with the account administrator, which helps the participating parties initiate role registrations with the blockchain.

Participating in the line: the method is a role in the blockchain payment system, and a participating bank can initiate a funding request, initiate a cash withdrawal request, process a client remittance transaction and process a remittance transaction in a payment layer of the blockchain payment system.

And (3) funding: and the participating banks initiate funding on a payment layer of the block chain payment system and complete transaction information synchronization with the block chain network platform.

And (3) cash withdrawal: and the participating banks initiate cash withdrawal on the payment layer of the block chain payment system and complete transaction information synchronization with the block chain network platform.

Fig. 1 is a schematic diagram of a blockchain cross-border payment system architecture, as shown in fig. 1, the blockchain cross-border payment system architecture mainly comprises a blockchain network management system, a blockchain network, a payment system, an accounting system, and the like.

The block chain network provides functions of block chain account maintenance, account transfer and the like, and provides safe and trustable guarantee for point-to-point payment among all participating lines.

Through the block chain network management function provided by the block chain payment system, the block chain management behavior participates in the bank of the block chain network to provide services such as identity definition, account opening and the like.

And the account management behavior block chain participates in the bank to provide services such as fund injection, cash withdrawal and the like through a fund management function provided by the block chain payment system.

And the remittance bank and the receiving bank access the blockchain network through the payment function provided by the blockchain payment system to finish point-to-point payment.

And the block chain network management row receives and audits the account opening request sent by the participation row, and after the audit is passed, the participation row is given to a common row or an account management row, a block chain hosting account is opened in the block chain network for the participation row or the account management row, and a block chain account is opened in the block chain network for the common row.

The account management bank receives a funding request sent by the participation bank, enables a funding bank entity account to inject funding amount into an entity hosting account of the account management bank according to the funding request, and updates a funding result to the block chain network; and the block chain network enables the block chain hosting account of the account management line to inject the funding amount into the block chain account of the funding line according to the funding result.

The inventor finds that in the existing cross-border remittance method, the blockchain remittance can be performed only when the amount is in the blockchain account, which requires that the remittance service is initiated and the fund is required to be paid in advance, and the remittance is initiated and taken out after the service is finished. In addition, in the existing cross-border remittance method, many services are manually operated, for example, a funding operation needs to be performed at the beginning of a day, and a cash-withdrawing operation needs to be performed at the end of the day. Based on this, the inventor proposes a block chain based cross-border remittance processing method.

Fig. 2 is a flow chart illustrating a block-chain based trans-border money transfer processing method according to an embodiment of the invention, as shown in fig. 2, the method comprising:

step 201, a money transfer bank receives a cross-border money transfer request submitted by a user; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

step 202, the remittance bank verifies the remittance bank information, the collection bank information, the remittance amount and the remittance user information, and remittance is carried out from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount after the verification is passed;

step 203, after the remittance bank successfully remits the money to the entity escrow account of the remittance bank, the remittance bank chain escrow account is informed to fund according to the remittance amount, so that the nodes and the remittance bank on the block chain execute the following operations:

1. the nodes on the block chain transfer the money from the block chain escrow account of the remittance bank to the block chain escrow account of the recipient bank according to the remittance amount; after the transfer is successfully processed, a cash withdrawal request is sent to a cash receiving bank; the cash-out request comprises remittance bank information, payee bank information, remittance amount and remittance user information;

2. the receiving bank verifies the remittance bank information, the receiving bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance bank receives money from the entity escrow account of the receiving bank to the entity escrow account of the receiving bank according to the remittance amount, and transfers the money from the entity escrow account of the receiving bank to the entity account of the receiving bank.

As can be seen from the flow shown in fig. 2, in the whole cross-border remittance processing process of the embodiment of the invention, the remittance bank automatically performs verification according to the cross-border remittance request of the user and notifies the block chain escrow account of the remittance bank to fund according to the remittance amount, so that the nodes on the block chain automatically perform fund transfer, initiate cash withdrawal and the remittance bank automatically perform transfer to the entity account of the remittance bank, and finally, the real-time automatic cross-border remittance is realized, the cross-border remittance time is reduced to the millisecond level from the day level, the cross-border remittance processing efficiency is greatly improved, the labor cost is reduced, and the position utilization rate is improved.

Each step is explained in detail below.

It should be noted that, in the technical solution of the present application, the acquisition, storage, use, processing, etc. of data all conform to the relevant regulations of the national laws and regulations.

In step 201, a money transfer bank receives a cross-border money transfer request submitted by a user; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information.

For example, the user performs cross-border remittance to the bank, and the bank serves as a remittance bank to receive a cross-border remittance request submitted by the user, wherein the cross-border remittance request includes remittance bank information such as a remittance bank name and a remittance bank card number, the remittance bank information includes information such as a country of the remittance bank, the remittance bank name and the remittance bank card number, a remittance amount, a remittance currency, remittance user information such as a remittance user name and address, a remittance user name, a country and a frequent residence, and those skilled in the art should know that the cross-border remittance request includes not only the above information, but also only examples.

It should be noted that the whole cross-border remittance processing flow takes workflow as a circulation mechanism, the main flow connects all modules in series in a bus form to provide comprehensive pushing, supervision and exception handling capability, in this example, a cross-border remittance request is received from a remittance bank until the transfer to a physical account of the remittance bank is successful, each step is processed by a corresponding API module, all modules are independent from each other, communication is carried out by using a predefined interface, asynchronous triggering is carried out through a message queue MQ, and coupling among the modules is flexible and reduced.

In step 202, the transferor verifies the transferor information, the transferee information, the money transfer amount, and the money transfer user information, and after verification, transfers money from the transferor entity account to the transferor entity escrow account according to the money transfer amount.

In specific implementation, the remittance bank verifies the remittance bank information, the collection bank information, the remittance amount and the remittance user information according to the cross-border remittance request submitted by the user, and specifically verifies the accuracy of the remittance bank information, the collection bank information, the remittance amount and the remittance user information, such as the remittance user information, the remittance amount and balance, and some compliance check checks, in one embodiment, whether the remittance user hits a blacklist is verified, and/or the receipt declaration information is verified. If the cross-border remittance request is abnormal, the cross-border remittance request can be returned to the original path and is prompted to relevant business personnel or manual verification is directly carried out, if the verification is not problematic, namely after the verification is passed, the verification result is fed back to the background server of the remittance bank, and remittance is carried out from the entity account of the remittance bank to the entity escrow account of the remittance bank according to remittance amount. Wherein the physical escrow account of the money transfer organization is opened by the money transfer organization in the blockchain payment system in advance.

In step 203, the money transfer bank notifies the blockchain escrow account of the money transfer bank to fund the money transfer amount after the money transfer to the entity escrow account of the money transfer bank is successful.

In implementation, after the remittance bank successfully remits the remittance to the entity escrow account of the remittance bank, the remittance bank executes uplink processing on corresponding data, successfully remittance to the entity escrow account of the remittance bank is updated to the block chain network, and the block chain escrow account of the remittance bank is informed to fund according to remittance amount; after receiving the notice, the block chain escrow account of the remittance bank automatically fund according to the remittance amount; after successful fund transfer, the nodes on the blockchain transfer the money from the blockchain escrow account of the remittance bank to the blockchain escrow account of the collection bank according to the remittance amount, and automatically initiating a cash withdrawal request to the collection bank after the money transfer is successful; the cash-out request comprises remittance bank information, remittance amount and remittance user information, and the information contained in the cash-out request is basically consistent with the information contained in the cross-border remittance request. When the fund flows in the blockchain payment system, the nodes on the blockchain simultaneously perform blockchain information maintenance, blockchain information inquiry, transaction validity verification, generation of a consensus ledger and the like.

The payee receives the cash-taking request, firstly checks the information of the remittance bank, the information of the payee bank, the remittance amount and the information of the remittance user, and particularly checks the accuracy of the information of the remittance bank, the information of the payee bank, the remittance amount and the information of the remittance user, such as the information of the payee bank, the remittance amount, some items of compliance check and characteristic of the payee bank, in one embodiment, the payee bank checks whether the remittance user hits a blacklist and/or checks the receipt and payment declaration information; if the verification is abnormal, the cash withdrawal request can be rejected, and the cash withdrawal request can also be prompted to related workers or the manual verification can be directly carried out; and if the verification is successful, the verification result is fed back to the receiving bank background server, the money is received from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and the money is transferred from the entity escrow account of the receiving bank to the entity account of the receiving bank, wherein the entity escrow account of the receiving bank is opened by the receiving bank in the block chain payment system in advance.

At this point, the cross-border money transfer process is completed, funds are transferred from the money transfer to the physical account of the money transfer, and the money receiving user can withdraw cash at any time. In the method provided by the embodiment, the cross-border remittance service initiated by the user flows in the block chain payment system, the cross-border remittance request of the user is quickly completed under the condition of not depending on the SWIFT network, the automatic funding and cash-fetching of each remittance is realized, the cross-border remittance time is reduced to a millisecond level from a day level, the cross-border remittance efficiency is greatly improved, the manual operation is reduced, the fund waste is avoided, and the position utilization rate is improved.

The embodiment of the invention also provides a trans-border remittance processing method based on the blockchain, which is applied to the nodes on the blockchain and comprises the following steps:

step 301, after the remittance bank verifies that the cross-border remittance request submitted by the user passes, and remittance is successful from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount, the node on the blockchain receives the funding notice of the remittance bank; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

step 302, the node on the blockchain funds the blockchain escrow account of the remittance bank according to the remittance amount, and transfers the money from the blockchain escrow account of the remittance bank to the blockchain escrow account of the collection bank;

step 303, after the transfer process is successful, the node on the blockchain initiates a cash-out request to the payee to make the payee: the cash withdrawal request is verified, after the cash withdrawal request passes the verification, money is collected from the entity hosting account of the remittance bank to the entity hosting account of the receiving bank according to the remittance amount, and money is transferred from the entity hosting account of the receiving bank to the entity account of the receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information.

According to the method, the flow can be seen that in the whole cross-border remittance processing process, the nodes on the block chain automatically execute the funding, transfer and initiate the cash-taking request according to the received funding notice of the remittance bank, so that the cash-taking request can be automatically checked and transferred to the entity account of the cash-taking bank conveniently, the real-time automatic cross-border remittance is finally realized, the cross-border remittance time is reduced to the millisecond level from the day level, the cross-border remittance efficiency is greatly improved, the labor cost is reduced, and the position utilization rate is improved.

In step 301, the node in the blockchain receives a funding notification from the money transfer after the money transfer verifies that the cross-border money transfer request submitted by the user passes, and successfully transfers money from the money transfer physical account to the money transfer physical account in the money transfer amount.

For example, the user sends a cross-border remittance to the bank, and the bank serves as a remittance bank and receives a cross-border remittance request submitted by the user, wherein the cross-border remittance request comprises remittance bank information, receiving bank information, remittance amount and remittance user information; the remittance bank automatically verifies the remittance bank information, the collection bank information, the remittance amount and the remittance user information, and specifically verifies the accuracy of the remittance bank information, the collection bank information, the remittance amount and the remittance user information, such as the remittance user information, the remittance amount and balance and some compliance check; after the verification is passed, the verification result is fed back to the back-end server of the money transfer bank, and the money is transferred from the entity account of the money transfer bank to the entity escrow account of the money transfer bank according to the money transfer amount. Wherein the physical escrow account of the remittance is opened by the remittance in the blockchain payment system in advance; and notifies the blockchain escrow account of the transferor to fund the money transfer amount, at which point the node on the blockchain receives the transferor's funding notification in step 301.

It should be noted that the whole cross-border remittance processing flow takes workflow as a circulation mechanism, the main flow connects all modules in series in a bus form to provide comprehensive pushing, supervision and exception handling capability, in this example, a cross-border remittance request is received from a remittance bank until the transfer to a physical account of a receiving bank is successful, each step is processed by a corresponding API module, all modules are independent from each other, communication is carried out by using a predefined interface, asynchronous triggering is carried out through MQ, and the cross-border remittance processing flow is flexible and reduces coupling among the modules.

In step 302, the node on the blockchain funds the blockchain escrow account of the sender according to the remittance amount, and performs a transfer process from the blockchain escrow account of the sender to the blockchain escrow account of the recipient.

In implementation, the nodes on the blockchain fund the blockchain escrow account of the bank of the remittance according to the remittance amount, and after successful fund, the nodes automatically transfer the money from the blockchain escrow account of the remittance bank to the blockchain escrow account of the collection bank

In step 303, after the transfer process is successful, the node on the blockchain initiates a cash withdrawal request to the payee to make the payee: verifying the cash withdrawal request, after the cash withdrawal request passes the verification, receiving money from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and transferring money from the entity escrow account of the receiving bank to the entity account of the receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information.

In implementation, after transfer processing is successful, a node on a block chain automatically initiates a cash-fetching request to a cash receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information, and the information contained in the cash-out request is basically consistent with the information contained in the cross-border remittance request. When the capital circulates in the blockchain payment system, the nodes on the blockchain simultaneously execute blockchain information maintenance, blockchain information inquiry, transaction validity verification, generation of a common account book and the like.

At this point, the cross-border money transfer process is completed, funds are transferred from the money transfer to the physical account of the money transfer, and the money receiving user can withdraw cash at any time. In the method provided by the embodiment, the cross-border remittance service initiated by the user flows in the block chain payment system, the cross-border remittance request of the user is quickly completed under the condition of not depending on the SWIFT network, the automatic fund collection of each remittance is realized, the cross-border remittance time is reduced from the level of days to the level of milliseconds, the cross-border remittance efficiency is greatly improved, the manual operation is reduced, the fund waste is avoided, and the utilization rate of the capital is improved.

The embodiment of the invention also provides a block chain-based cross-border remittance processing method, which is applied to a gathering bank and comprises the following steps:

step 401, the node on the receiving block chain of the payee funds the blockchain escrow account of the remittance bank according to the remittance amount, and initiates a cash withdrawal request after the transfer process from the blockchain escrow account of the remittance bank to the blockchain escrow account of the payee bank is successful, wherein the cash withdrawal request comprises remittance bank information, payee bank information, remittance amount and remittance user information; the nodes on the blockchain receive the funding notice of the remittance bank after the remittance bank verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

and step 402, the payee verifies the information of the remittance bank, the information of the payee bank, the remittance amount and the remittance user, after the verification is passed, the remittance amount is transferred from the entity escrow account of the remittance bank to the entity escrow account of the payee bank according to the remittance amount, and the money is transferred from the entity escrow account of the payee bank to the entity account of the payee bank.

According to the method, the flow can be seen, in the whole cross-border remittance processing process, after a remittance bank automatically performs verification according to a cross-border remittance request of a user and notifies a block chain escrow account of the remittance bank to fund according to the remittance amount, and nodes on a block chain automatically perform fund transfer, transfer and cash withdrawal request, remittance bank information, remittance amount and remittance user information are automatically verified, after the verification is passed, the money is transferred to a physical account of the remittance bank, and finally, the real-time automatic cross-border remittance is realized, the cross-border remittance time is reduced to a millisecond level from the day level, the cross-border remittance efficiency is greatly improved, the labor cost is reduced, and the size utilization rate is improved.

In specific implementation, a remittance bank receives a cross-border remittance request submitted by a user, wherein the cross-border remittance request comprises remittance bank information, receiving bank information, remittance amount and remittance user information. The remittance bank verifies the remittance bank information, the receiving bank information, the remittance amount and the remittance user information according to the cross-border remittance request submitted by the user, specifically verifies the accuracy of the remittance bank information, the receiving bank information, the remittance amount and the remittance user information, such as the remittance user information, the remittance amount and balance and some compliance check checks, feeds back the verification result to the remittance bank background server after the verification is passed, and remits from the remittance bank entity account to the remittance bank entity escrow account according to the remittance amount. Wherein the physical escrow account of the money transfer bank is established by the money transfer bank in advance in the blockchain payment system.

After the remittance bank successfully remits the money to the entity escrow account of the remittance bank, the remittance bank executes uplink processing on the corresponding data, successfully remittance to the entity escrow account of the remittance bank is updated to the block chain network, and the block chain escrow account of the remittance bank is informed to fund according to remittance amount; after receiving the notice, the block chain escrow account of the remittance bank automatically fund according to the remittance amount; after successful fund transfer, the nodes on the blockchain transfer the money from the blockchain escrow account of the remittance bank to the blockchain escrow account of the collection bank according to the remittance amount, and automatically initiating a cash withdrawal request to the collection bank after the money transfer is successful; the cash-out request comprises remittance bank information, remittance amount and remittance user information, and the information contained in the cash-out request is basically consistent with the information contained in the cross-border remittance request. When the fund flows in the blockchain payment system, the nodes on the blockchain simultaneously perform blockchain information maintenance, blockchain information inquiry, transaction validity verification, generation of a consensus ledger and the like.

At this time, in step 401, the receiver bank receives the cash-out request initiated by the node on the blockchain, and in step 402, checks the information of the sender bank, the information of the receiver bank, the money transfer amount, and the information of the sender user, specifically, checks the accuracy of the information of the sender bank, the information of the receiver bank, the money transfer amount, and the information of the sender user, such as the information of the sender user, the money transfer amount, some compliance check checks, and item check of the local characteristics of the receiver bank, and in one embodiment, the receiver bank checks whether the sender user hits a blacklist, and/or checks the receipt and payment declaration information; if the verification is abnormal, the cash withdrawal request can be refused, and the cash withdrawal request can also be prompted to related workers or manual verification can be directly carried out; and if the verification is successful, the verification result is fed back to the receiving bank background server, the money is received from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and the money is transferred from the entity escrow account of the receiving bank to the entity account of the receiving bank, wherein the entity escrow account of the receiving bank is opened by the receiving bank in the block chain payment system in advance.

It should be noted that the whole cross-border remittance processing flow takes workflow as a flow mechanism, the main flow connects all modules in series in a bus form to provide comprehensive promotion, supervision and exception handling capability, in this example, a cross-border remittance request is received from a remitter until transfer to a physical account of the remitter is successful, each step is processed by a corresponding API module, all modules are independent from each other, communication is performed by using a predefined interface, and asynchronous triggering is performed through MQ, so that flexibility is achieved, and coupling among the modules is reduced.

Fig. 3 is a block chain-based cross-border remittance processing method according to an embodiment of the invention, and as shown in fig. 3, the block chain-based cross-border remittance processing procedure mainly includes cross-border remittance request, remittance procedure, blockchain module-funding, blockchain module-transferring, remittance procedure, withdrawal and the like. In the context of figure 3, it is shown,

1. firstly, a user submits a cross-border remittance request through a remittance bank;

2. in the remittance flow module, a remittance bank processing module firstly receives a cross-border remittance request submitted by a user and checks basic information of the cross-border remittance request; the flow is transferred to a compliance checking module, and the safety check is carried out on the information contained in the cross-border remittance request, such as checking whether the remittance user hits a blacklist of a bank system; the flow is transferred to a billing module, and remittance is carried out from the entity account of the remittance bank to the entity escrow account of the remittance bank according to the remittance amount;

3. performing uplink processing on the data, and remitting and updating the remittance entity account to the entity escrow account of the remittance to the block chain network to ensure that the block chain escrow account of the remittance completes funding according to the remittance amount;

the automatic investment process flow is completed;

4. the nodes on the block chain transfer the money from the block chain escrow account of the remittance bank to the block chain escrow account of the receiving bank according to the remittance amount; after the transfer is successfully processed, a cash withdrawal request is sent to a cash receiving bank;

5. in the remittance flow module, the compliance checking module performs security check on the information contained in the cash-withdrawal request, for example, executes a security check item locally specified by a cashier; the flow is transferred to a billing module, and the remittance amount is collected from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank; the transfer to a receiving bank processing module transfers money from an entity escrow account of a receiving bank to an entity account of the receiving bank;

6. the cashing user can execute cashing at any time;

the automatic cash-out processing flow is completed.

The block chain module-fund injection and block chain module-account transfer belongs to a block chain payment system, and the block chain payment system completes the following functions through functions of a payment layer and a block chain layer:

payment layer functions: identity registration, funding and cash-taking, remittance and remittance, transaction checking and query;

block chain layer function: maintaining block chain information and inquiring the block chain information.

Three blockchain-based trans-border money transfer processing devices are also provided in embodiments of the present invention, as described in the examples below. Since the principle of the device for solving the problem is similar to the block chain-based cross-border remittance processing method, the implementation of the device can be referred to the implementation of the block chain-based cross-border remittance processing method, and repeated details are not repeated.

Fig. 4 is a block chain based cross-border money transfer processing apparatus according to an embodiment of the invention, shown in fig. 4, for use in a money transfer bank, the apparatus comprising:

a cross-border remittance request receiving module 401 for the remittance bank to receive the cross-border remittance request submitted by the user; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the verification module 402 is used for verifying remittance information, payee information, remittance amount and remittance user information by a remittance bank, and remitting money from a remittance bank entity account to an entity escrow account of the remittance bank according to the remittance amount after the remittance bank passes the verification;

the automatic funding and cash-out module 403 is used for the remittance bank chain escrow account of the remittance bank to fund the remittance amount after the remittance bank successfully remits the remittance to the entity escrow account of the remittance bank, so that the nodes on the bank chain and the remittance bank perform the following operations:

In an embodiment, the verifying module 402 is specifically configured to:

the remittance bank verifies whether the remittance user hits the user blacklist and/or verifies the receipt and payment declaration information.

An embodiment of the present invention further provides a block chain-based cross-border remittance processing apparatus, which is applied to a node on a block chain, and includes:

The embodiment of the invention also provides a block chain-based cross-border remittance processing device, which is applied to a receiving bank and comprises:

the cash-withdrawal request receiving module is used for the payee receiving the payment to the blockchain escrow account of the remittance bank according to the remittance amount by the node on the blockchain, and initiating a cash-withdrawal request after the transfer from the blockchain escrow account of the remittance bank to the blockchain escrow account of the payee bank is successfully processed, wherein the cash-withdrawal request comprises remittance bank information, payee bank information, remittance amount and remittance user information; the nodes on the blockchain receive the funding notice of the remittance bank after the remittance bank verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

In one embodiment, an embodiment of the present invention is applied to a checksum cash-out module in a block-chain-based cross-border remittance processing apparatus of a receiving bank, and is specifically configured to:

the payee checks whether the remittance user hits the user blacklist and/or checks the receipt and payment declaration information.

Fig. 5 is a schematic diagram of a computer device according to an embodiment of the present invention, and as shown in fig. 5, an embodiment of the present invention further provides a computer device 500, which includes a processor 501, a memory 502, and a computer program 503 stored in the memory 502 and capable of running on the processor 501, wherein when the processor 501 executes the computer program 503, the block chain-based cross remittance context processing method is implemented.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing across-border remittance based on a blockchain is implemented.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above block chain-based cross-border remittance processing method.

In the embodiment of the invention, a receiving bank receives a money transfer request sent by a node on a blockchain to fund a blockchain escrow account of a remittance bank according to a remittance amount, and after the transfer from the blockchain escrow account of the remittance bank to the blockchain escrow account of the receiving bank is successfully processed, the money transfer request comprises remittance bank information, receiving bank information, the remittance amount and remittance user information; wherein, the node on the block chain receives the fund notification of the remittance bank after the remittance bank verifies the cross-border remittance request submitted by the user and successfully remittance from the remittance bank account to the remittance bank entity escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information; the receiving bank verifies the remittance bank information, the receiving bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance bank receives money from the entity escrow account of the receiving bank to the entity escrow account of the receiving bank according to the remittance amount, and transfers the money from the entity escrow account of the receiving bank to the entity account of the receiving bank. In the whole cross-border remittance processing process, a remittance bank automatically performs verification and informs a block chain escrow account of the remittance bank to fund according to the remittance amount according to a cross-border remittance request of a user, and after nodes on the block chain automatically perform the fund transfer, the transfer and the cash withdrawal request, the remittance bank information, the remittance amount and the remittance user information are automatically verified, and after the verification is passed, the remittance bank entity account is transferred, so that the real-time automatic cross-border remittance is finally realized, the cross-border remittance time is reduced to a millisecond level from a day level, the cross-border remittance efficiency is greatly improved, the labor cost is reduced, and the head size utilization rate 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 is 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 flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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

1. A blockchain-based cross-border money transfer method for use in a money transfer bank, the method comprising:

the remittance verifies the remittance information, the payee information, the remittance amount and the remittance user information, and remittance is carried out from the remittance entity account to the entity escrow account of the remittance bank according to the remittance amount after the remittance amount passes the verification;

after the remittance bank successfully remits the money to the entity escrow account of the remittance bank, the remittance bank chain escrow account of the remittance bank is informed to fund according to the remittance amount, so that the nodes and the remittance bank on the bank chain execute the following operations:

2. The method of claim 1, wherein the money transfer verifying the money transfer information, the money transfer amount, the money transfer user information comprises:

3. A block chain-based cross-border remittance processing method applied to a node on a block chain includes:

the node on the blockchain receives the fund notification of the remittance after the remittance verifies that the cross-border remittance request submitted by the user passes and remittance is successful from the remittance entity account to the entity escrow account of the remittance according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

after the transfer processing is successful, the node on the block chain initiates a cash-out request to a cash-receiving bank so that the cash-receiving bank: verifying the cash withdrawal request, after the cash withdrawal request passes the verification, receiving money from the entity escrow account of the remittance bank to the entity escrow account of the receiving bank according to the remittance amount, and transferring money from the entity escrow account of the receiving bank to the entity account of the receiving bank; the cash-out request comprises remittance bank information, remittance amount and remittance user information.

4. A block chain-based cross-border remittance processing method is applied to a receiving bank and comprises the following steps:

the receiving bank receives a cash-withdrawal request initiated after a node on the blockchain funds a blockchain escrow account of the remittance bank according to the remittance amount and the transfer from the blockchain escrow account of the remittance bank to the blockchain escrow account of the receiving bank is successfully processed, wherein the cash-withdrawal request comprises remittance bank information, receiving bank information, the remittance amount and remittance user information; the nodes on the blockchain receive the funding notice of the remittance bank after the remittance bank verifies that the cross-border remittance request submitted by the user passes and successfully remittance from the remittance bank physical account to the remittance bank physical escrow account according to the remittance amount; the cross-border remittance request comprises remittance bank information, remittance amount and remittance user information;

the receiver bank verifies the remittance information, the receiver bank information, the remittance amount and the remittance user information, after the verification is passed, the remittance amount is received from the entity escrow account of the receiver bank to the entity escrow account of the receiver bank, and the money is transferred from the entity escrow account of the receiver bank to the entity account of the receiver bank.

5. The method of claim 4, wherein the payee verifying the transferor information, the payee information, the money transfer amount, the money transfer user information comprises:

6. A blockchain-based trans-border money transfer processing apparatus for use at a money transfer bank, the apparatus comprising:

7. The apparatus of claim 6, wherein the verification module is specifically configured to:

8. A blockchain-based trans-border remittance processing apparatus for use at a node on a blockchain, comprising:

9. A block chain-based cross-border remittance processing device applied to a receiving bank comprises:

10. The apparatus of claim 9, wherein the checksum recall module is specifically configured to:

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.