CN115578196A - Cross-border payment transaction system based on block chain technology - Google Patents
Cross-border payment transaction system based on block chain technology Download PDFInfo
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Abstract
The invention belongs to the technical field of cross-border transaction systems, and discloses a cross-border payment transaction system based on a block chain technology, which comprises a block chain, wherein the block chain comprises a buyer user node, a seller user node, a freight carrier user node, a banking institution node, a customs institution node and a supervision institution node; and the bank institution node verifies the fourth key, broadcasts the payment request amount, the seller collection request amount and the freight transporter collection request amount to each node on the block chain through verification, and records the verification by each node, and after the buyer user, the seller user and the freight transporter user receive the broadcast and verify that the verification is correct, the respective keys are sent to the bank institution node, the bank institution node verifies the respective keys, and when the verification is passed, the first amount to be paid is directionally transferred to the seller collection account, the second amount to be paid is directionally transferred to the freight transporter collection account, and after the transaction is completed, the transaction detail is broadcast to each node on the block chain, and the recording is carried out by each node.
Description
Technical Field
The invention belongs to the technical field of cross-border transaction systems, and particularly relates to a cross-border payment transaction system based on a blockchain technology.
Background
Electronic payment mode in traditional international trade needs a lot of financial institution such as bank, central row, agent and collection to through every mechanism, the inside account clearance and processing of going on of mechanism, also need spend the long time between each mechanism simultaneously and establish the agency relation, makes whole cross border payment procedure more complicated, and the intermediate link is many, the length of clearing cycle is long, the processing speed is slow, outstanding problems such as transfer expense height make holistic settlement efficiency ratio lower.
Secondly, due to the fact that information is not symmetrical in international trade payment, once one party defaults or pays no fee, evidence is difficult to collect, evidence providing and verification are needed, the difficulty is increased for right maintenance, and risks are brought to cross-border payment transactions.
In view of the above, the inventor of the present application invented a cross border payment transaction system based on the blockchain technology.
Disclosure of Invention
The invention aims to solve the technical problems and provides a cross-border payment transaction system based on a block chain technology.
The technical scheme of the invention is as follows: a cross-border payment transaction system based on a block chain technology comprises a block chain, wherein the block chain comprises a buyer user node, a seller user node, a freight forwarder user node, a banking institution node, a customs institution node and a supervision institution node;
submitting respective entrusting information to the banking institution nodes by a buyer user, a seller user and a freight carrier user, broadcasting the respective entrusting information to each node of the block chain, and verifying and recording by each node;
the bank mechanism node sets up a management account according to the submitted entrustment information, the buyer user remits money to be paid to the management account, the money to be paid comprises a first money to be paid and a second money to be paid, the first money to be paid is used for paying the seller money, the second money to be paid is used for paying the freight side money, a first key, a second key, a third key and a fourth key are generated at the same time, the first key is sent to the buyer user, the second key is sent to the seller user, the third key is sent to the freight side user, the fourth key is sent to the monitoring mechanism node, after the management account receives the money to be paid, the remittance money of the buyer is broadcasted to each node on the block chain by the bank mechanism node, and each node is used for recording;
the supervising agency node supervises and manages the fund flow direction of the account;
customs institution nodes generate clearance report information according to seller goods, and send the clearance report information to each node on the block chain, and the clearance report information is recorded by each node, wherein the clearance report information comprises clearance report information and clearance report information;
the buyer user sends a payment request to the supervision mechanism node according to the clearance report information, the seller user and the freight carrier user send a collection request to the supervision mechanism node according to the clearance report information, and the supervision mechanism node forwards the payment request, the collection request and the fourth secret key to the bank mechanism node;
the bank institution node verifies the fourth secret key, the verification is that the payment request amount, the seller collection request amount and the freight transporter collection request amount are broadcast to each node on the block chain and are recorded by each node, the payment request amount is not less than the sum of the seller collection request amount and the freight transporter collection request amount, the buyer user, the seller user and the freight transporter user send respective secret keys to the bank institution node after receiving the broadcast verification, the bank institution node verifies the respective secret key, the transfer operation is not performed if the verification is not passed, the first to-be-paid amount is directionally transferred to the seller collection account and the second to-be-paid amount is directionally transferred to the freight transporter collection account, and after the transaction is completed, the transaction detail is broadcast to each node on the block chain and is recorded by each node.
Preferably, in the above, the banking facility node is a banking facility node approved by a buyer user, a seller user and a forwarder user.
Preferably, in the above, the money to be paid is international payment money that is recognized by the buyer, the seller and the transporter.
Preferably, in the above, the first key, the second key, the third key and the fourth key are different, and the keys are used for verifying the identity of the parties involved in the transaction.
Preferably, in the foregoing, the customs agency node includes an export agency node and an entry agency node, the export agency node is a national customs agency where the seller user is located, and the entry agency node is a national customs agency where the buyer user is located; the customs release report information is generated by a release mechanism node according to goods of a seller, and is broadcasted to each node on the block chain, and is verified and recorded by each node, wherein the customs release report information comprises release time, a list, a tax invoice, a contract, a verification and sales order, a freight side freight bill and a check and consignment book; and the customs entry release report information is generated by the customs entry mechanism node according to the goods of the seller and is broadcast to each node on the block chain, and the customs exit report information comprises customs entry time, a list, a tax invoice, a contract, a verification and cancellation bill, a freight side loading bill and a submission letter.
Preferably, in the above, the seller user request information includes: a transaction contract, a payee account number, and a payee account opening bank; the consignor user authorization information includes: a transaction contract, a payee account number, and a payee account opening bank; the buyer user authorization information includes: a transaction contract, a payer, a payment account number, and a payee opening bank.
Preferably, in the foregoing, the supervision mechanism nodes include a supervision mechanism of a country where the buyer user is located, a supervision mechanism of a country where the seller user is located, and a supervision mechanism of a country where the freight forwarder is located; the fourth key comprises a first sub key, a second sub key and a third sub key, the first sub key, the second sub key and the third sub key are different, the number of the sub keys is equal to that of the supervision authorities, the first sub key corresponds to the country supervision authority of the buyer user, the second sub key corresponds to the country supervision authority of the seller user, and the third sub key corresponds to the country supervision authority of the user of the freight transporter.
Preferably, in the above, the buyer user submits a payment request to the administrative department of the country of the buyer user, the seller user submits a collection request to the administrative department of the country of the seller user, and the user of the forwarder submits a collection request to the administrative department of the country of the forwarder; the administrative department of the country of the user of the buyer sends the payment request and the first sub-secret key to the banking institution node, the administrative department of the country of the user of the seller sends the collection request and the second sub-secret key to the banking institution node, and the administrative department of the country of the user of the freight transporter sends the collection request and the third sub-secret key to the banking institution node; and the banking institution node respectively verifies the first sub-secret key, the second sub-secret key and the third sub-secret key, and if the verification is passed, the payment request amount, the seller collection request amount and the freight forwarder collection request amount are broadcast to each node on the block chain and are recorded by each node.
Due to the adoption of the technical scheme, the invention has the beneficial effects that:
(1) Compared with the traditional cross-border payment transaction, the cross-border payment transaction system based on the block chain technology can effectively construct a transaction platform in which multiple trading parties, financial institutions and monitoring mechanisms participate together by using the block chain technology, and ensures the transparency and the openness of the transactions of the two trading parties on the basis of a distributed account book structure on a block chain, so that the risk caused by asymmetric information in cross-border trade payment is reduced.
(2) The cross-border payment transaction system based on the blockchain technology is characterized in that in the whole cross-border payment transaction, each node on the blockchain receives transaction information related to the node, each node participates in verification records, then the transaction authenticity is guaranteed, once one party violates, the transaction process is completely recorded on the blockchain, the evidence is easy to collect, the party simultaneously applies for a functional department of a multi-country supervision organization, and the multi-country supervision organization simultaneously issues transaction records.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic diagram of a cross-border payment transaction system based on blockchain technology according to an embodiment of the invention;
the reference numbers in the figures are:
1. a buyer user node; 2. a vendor user node; 3. a freight forwarder user node; 4. a banking institution node; 5. a customs agency node; 6. a supervisory authority node.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
Example one
As shown in fig. 1, the cross-border payment transaction system based on the blockchain technology according to the embodiment includes a blockchain, where the blockchain includes a buyer user node 1, a seller user node 2, a forwarder user node 3, a banking agency node 4, a customs agency node 5, and a supervision agency node 6,
the buyer user, the seller user and the freight forwarder user submit respective entrusting information to the banking institution node 4, and simultaneously broadcast the respective entrusting information to each node of the block chain, and each node is used for verifying and recording.
The banking institution node 4 sets up a management account according to the submitted commission information, the buyer user remits the amount to be paid to the management account, the amount to be paid comprises a first amount to be paid and a second amount to be paid, the first amount to be paid is used for paying the seller, the second amount to be paid is used for paying the freight transportation side, a first key, a second key, a third key and a fourth key are generated at the same time, the first key is sent to the buyer user, the second key is sent to the seller user, the third key is sent to the freight transportation side user, the fourth key is sent to the supervision institution node 6, and after the management account receives the amount to be paid, the banking institution node 4 broadcasts the remittance amount of the buyer to each node on the block chain and each node where the management account is located records the remittance amount.
The supervision agency node 6 supervises the fund flow direction of the management account, ensures the fund safety and special purpose of the management account, and forbids the management account from being used for other purposes under the condition of no user request;
and the customs agency node 5 generates release report information according to the goods of the seller, sends the release report information to each node on the block chain, and records the release report information by each node, wherein the release report information comprises the release report information and the clearance report information.
The buyer user sends a payment request to the supervision mechanism node 6 according to the clearance report information, the seller user and the freight carrier user send a collection request to the supervision mechanism node 6 according to the clearance report information, and the supervision mechanism node 6 forwards the payment request, the collection request and the fourth secret key to the banking mechanism node 4;
the bank institution node 4 verifies the fourth secret key, the verification is that the payment request amount, the seller collection request amount and the freight transporter collection request amount are broadcast to each node on the block chain and are recorded by each node, the payment request amount is not less than the sum of the seller collection request amount and the freight transporter collection request amount, the buyer user, the seller user and the freight transporter user send respective secret keys to the bank institution node 4 after receiving the broadcast verification, if the bank institution node 4 does not verify the verification, the transfer operation is not carried out, if the verification passes, the bank institution node 4 verifies respective secret keys, the first amount to be paid is directionally transferred to a seller collection account, the second amount to be paid is directionally transferred to a freight transporter collection account, the transaction is completed, the transaction detail is broadcast to each node on the block chain, and the record is carried out by each node.
The banking institution node 4 is a banking institution node 4 approved by a buyer user, a seller user and a freight carrier user, and may be an international banking institution such as SWIFT, or a banking institution of a country where the seller user is located, a banking institution of a country where the buyer user is located or a banking institution of a country where the freight carrier user is located.
The money to be paid is selected from international payment money which is accepted by the buyer, the seller and the transporter, such as U.S. dollars, euros, RMB and the like.
The first key, the second key, the third key and the fourth key are different, and the keys are used for verifying the identity of the parties participating in the transaction.
The customs agency node 5 comprises an export agency node and an import agency node, wherein the export agency node is a customs agency of a country where a seller user is located, and the import agency node is a customs agency of a country where a buyer user is located; the customs release report information is generated by a release mechanism node according to goods of a seller, and is broadcasted to each node on the block chain, and is verified and recorded by each node, wherein the customs release report information comprises release time, a list, a tax invoice, a contract, a verification and sales order, a freight side shipping order, a check and consignment book and other related information; and the customs entry clearance report information is generated by the customs entry mechanism node according to the goods of the seller, and is broadcast to each node on the block chain, and the customs exit report information comprises the customs entry time, a list, a tax invoice, a contract, a verification and cancellation bill, a freight side loading bill, a check submission letter and other related information.
The seller user delegation information includes: a transaction contract, a payee account number, and a payee account opening bank; the consignor user authorization information includes: a transaction contract, a payee account number, and a payee account opening bank; the buyer user delegation information includes: transaction contract, payer, payment account number and payee account opening bank.
The supervision agency nodes 6 include a supervision agency of the country of the buyer user, a supervision agency of the country of the seller user, and a supervision agency of the country of the freight carrier, such as supervision agencies like the national people's bank and the federal financial supervision bureau.
The fourth key comprises a first sub-key, a second sub-key and a third sub-key, wherein the first sub-key, the second sub-key and the third sub-key are different, the number of the sub-keys is equal to that of the supervision authorities, the first sub-key corresponds to the supervision authority of the country of the buyer user, the second sub-key corresponds to the supervision authority of the country of the seller user, and the third sub-key corresponds to the supervision authority of the country of the freight side user.
When the system is used, a buyer user submits a payment request to a supervision organization of the country of the buyer user, a seller user submits a collection request to a supervision organization of the country of the seller user, and a freight carrier user submits a collection request to a supervision organization of the country of the freight carrier; the administrative department of the country of the buyer user sends the payment request and the first sub-secret key to the banking institution node 4, the administrative department of the country of the seller user sends the collection request and the second sub-secret key to the banking institution node 4, and the administrative department of the country of the freight user sends the collection request and the third sub-secret key to the banking institution node 4. The banking institution node 4 checks the first sub-key, the second sub-key and the third sub-key respectively, and the check is recorded by each node through broadcasting the payment request amount, the seller receiving request amount and the freight forwarder receiving request amount to each node on the block chain. The first sub-key, the second sub-key and the third sub-key are verified to pass, and then represent that the multi-country regulatory agency knows and participates in the transaction, so that the authenticity and the reliability of the transaction are further improved, and the risk of cross-border payment transaction is reduced.
Compared with the traditional cross-border payment transaction, the block chain technology can be used for effectively constructing a transaction platform in which multiple trade parties, financial institutions and monitoring institutions participate together, on the basis of a distributed account book structure on a block chain, the transparency and the openness of the transactions of the two trade parties are ensured, so that the risk caused by asymmetric information in the cross-border trade payment is reduced, the multiple trade parties select approved bank institution nodes 4 to establish a management account together, the management account is monitored by the monitoring institutions of the countries where the transaction parties participate, the management account only receives payment requests, collection requests and monitoring institution keys sent by the monitoring institutions, after the bank institution nodes 4 broadcast the transaction requests, the corresponding money items are directionally transferred to the corresponding transaction accounts after the transaction party keys are checked, the special fund special purpose is guaranteed, the safety in the fund transaction process is guaranteed, the payment process is simple, the clearing period is short, the processing speed is high, and the settlement efficiency of the whole cross-border transaction payment is effectively improved.
Secondly, in the whole cross-border payment transaction, each node on the block chain receives the transaction information related to the node, each node participates in verification records, the transaction authenticity is guaranteed, once one party violates the contract, the transaction process is completely recorded on the block chain, the evidence is easy to collect, the party simultaneously applies for the functional departments of the multi-country supervision authorities, the multi-country supervision authorities issue the transaction records simultaneously, and due to the fact that the transaction records are consistent, the multi-country supervision authorities endorse the evidence, the credibility of the evidence is greatly increased, and convenience is brought to the party's right of maintenance.
In the description herein, references to the description of "one embodiment," "an example," "a specific example," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. 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, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The preferred embodiments of the invention disclosed above are intended to be illustrative only. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise forms disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best utilize the invention. The invention is limited only by the claims and their full scope and equivalents.
Claims (8)
1. A cross-border payment transaction system based on a block chain technology is characterized by comprising a block chain, wherein the block chain comprises a buyer user node (1), a seller user node (2), a freight transporter user node (3), a banking institution node (4), a customs institution node (5) and a supervision institution node (6);
submitting respective entrusting information to a banking institution node (4) by a buyer user, a seller user and a freight carrier user, broadcasting the respective entrusting information to each node of the block chain, and performing verification record by each node;
the bank mechanism node (4) sets up a management account according to the submitted commission information, the buyer user remits the amount to be paid to the management account, the amount to be paid comprises a first amount to be paid and a second amount to be paid, the first amount to be paid is used for paying the seller, the second amount to be paid is used for paying the freight side, a first key, a second key, a third key and a fourth key are generated at the same time, the first key is sent to the buyer user, the second key is sent to the seller user, the third key is sent to the freight side user, the fourth key is sent to the monitoring mechanism node (6), after the management account receives the amount to be paid, the bank mechanism node (4) broadcasts the remittance amount of the buyer to each node on the block chain, and each node records the remittance amount;
the supervising authority node (6) supervises and manages the fund flow direction of the account;
the customs institution node (5) generates release report information according to goods of the seller, sends the release report information to each node on the block chain, and records the release report information by each node, wherein the release report information comprises clearance release report information and clearance release report information;
the buyer user sends a payment request to the supervision mechanism node (6) according to the clearance report information, the seller user and the freight transportation user send a collection request to the supervision mechanism node (6) according to the clearance report information, and the supervision mechanism node (6) forwards the payment request, the collection request and the fourth secret key to the banking mechanism node (4);
the bank institution node (4) verifies the fourth secret key, the verification is that the payment request amount, the seller collection request amount and the freight transporter collection request amount are broadcast to each node on the block chain and are recorded by each node, the payment request amount is not less than the sum of the seller collection request amount and the freight transporter collection request amount, the buyer user, the seller user and the freight transporter user send respective secret keys to the bank institution node (4) after receiving the broadcast verification, the bank institution node (4) verifies the respective secret keys, transfer operation is not performed if the verification is not passed, the first to-be-paid amount is directionally transferred to the seller collection account if the verification is passed, the second to-be-paid amount is directionally transferred to the freight transporter collection account, and after the transaction is completed, the transaction detail is broadcast to each node on the block chain and is recorded by each node.
2. A cross-border payment transaction system based on blockchain technology as claimed in claim 1 wherein the banking institution node (4) is a banking institution node (4) approved by a buyer user, a seller user and a forwarder user.
3. The system of claim 2, wherein the amount of money to be paid is an international payment currency recognized by the buyer, the seller and the forwarder.
4. The system of claim 3, wherein the first key, the second key, the third key and the fourth key are different, and the keys are used for verifying the identity of the parties involved in the transaction.
5. The system of claim 4, wherein the customs agency nodes (5) comprise an export agency node and an import agency node, the export agency node is the customs agency of the country where the seller user is located, and the import agency node is the customs agency of the country where the buyer user is located; the customs clearance report information is generated by a clearance mechanism node according to goods of a seller, is broadcast to each node on the block chain and is verified and recorded by each node, and comprises clearance time, a list, a tax invoice, a contract, a verification bill, a freight side freight bill and a check submission letter; and the customs entry release report information is generated by the customs entry mechanism node according to the goods of the seller and is broadcast to each node on the block chain, and the customs exit report information comprises customs entry time, a list, a tax invoice, a contract, a verification and cancellation bill, a freight side loading bill and a submission letter.
6. The system of claim 5, wherein the vendor user delegation information comprises: a transaction contract, a payee account number, and a payee account opening bank; the consignor user authorization information includes: a transaction contract, a payee account number, and a payee account opening bank; the buyer user delegation information includes: transaction contract, payer, payment account number and payee account opening bank.
7. The system according to claim 6, wherein the regulatory agency node (6) comprises a regulatory agency in the country of the buyer user, a regulatory agency in the country of the seller user, and a regulatory agency in the country of the freight forwarder; the fourth key comprises a first sub-key, a second sub-key and a third sub-key, wherein the first sub-key, the second sub-key and the third sub-key are different, the number of the sub-keys is equal to that of the supervision authorities, the first sub-key corresponds to the supervision authority of the country of the buyer user, the second sub-key corresponds to the supervision authority of the country of the seller user, and the third sub-key corresponds to the supervision authority of the country of the freight side user.
8. The system of claim 7, wherein the buyer user submits a payment request to the administrative department of the country of the buyer user, the seller user submits a payment request to the administrative department of the country of the seller user, and the forwarder user submits a payment request to the administrative department of the country of the forwarder; the administrative department of the country of the buyer user sends the payment request and the first sub-secret key to the banking institution node (4), the administrative department of the country of the seller user sends the collection request and the second sub-secret key to the banking institution node (4), and the administrative department of the country of the freight side user sends the collection request and the third sub-secret key to the banking institution node (4); the bank organization node (4) respectively verifies the first sub-secret key, the second sub-secret key and the third sub-secret key, if the verification is passed, the payment request amount, the seller collection request amount and the freight forwarder collection request amount are broadcast to each node on the block chain and are recorded by each node.
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