CN117114664A - Resource transfer processing method and device and computer equipment - Google Patents

Resource transfer processing method and device and computer equipment Download PDF

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Publication number
CN117114664A
CN117114664A CN202310856189.3A CN202310856189A CN117114664A CN 117114664 A CN117114664 A CN 117114664A CN 202310856189 A CN202310856189 A CN 202310856189A CN 117114664 A CN117114664 A CN 117114664A
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resource transfer
information
resource
processing node
transfer
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梁栋
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Bank of China Ltd
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Bank of China Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/40—Network security protocols

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Abstract

The present application relates to a resource transfer processing method, apparatus, computer device, computer readable storage medium and computer program product, which can be used for resource transfer business in the financial field. The processing method comprises the following steps: and obtaining resource transfer information uploaded by a first processing node in the blockchain, decrypting the resource transfer information through a preset key to obtain resource receiving account information, verifying, receiving a resource transfer request after verification, obtaining resource transfer information, and transferring the resource to a second processing node in the blockchain according to the resource transfer information. In this way, as the information change related to the resource transfer service is sent in the blockchain, and verified by a plurality of nodes through the consensus algorithm, each node does not need to independently maintain a self accounting system, so that the security and confidentiality of the service information can be improved, the processing efficiency of the resource transfer service can be improved, the service flow is simplified, and the service handling time of the resource transfer service is reduced.

Description

Resource transfer processing method and device and computer equipment
Technical Field
The present disclosure relates to the field of blockchain technology, and in particular, to a resource transfer processing method, apparatus, computer device, computer readable storage medium, and computer program product.
Background
In the age background of economic globalization, with the development of network and information technology, resource transfer services such as cross-border remittance are becoming more and more frequent. The cross-border remittance is a business in which an individual user performs an external remittance to a payee who opens an account at a bank in an overseas area within a prescribed limit. Currently, some third party financial institutions may provide faster electronic money transfer services for cross-border money transfer by users.
However, today's cross-border money transfer business often involves multiple institutions, including money transfer lines, central banks, money transfer companies, financial supervisory institutions, etc., where different institutions maintain their own billing systems, which are independent of each other, resulting in complex cross-border money transfer flow, long time consumption, and once a problem occurs in a certain intermediate link, multiple institutions are coordinated to check, resulting in low business processing efficiency.
Disclosure of Invention
In view of the above, there is provided a resource transfer processing method, apparatus, computer device, computer readable storage medium, and computer program product, in view of the above-described technical problems. The technical scheme of the present disclosure is as follows:
according to an aspect of the disclosed embodiments, there is provided a resource transfer processing method, which is executed on a server, the server being a node of a blockchain system, the blockchain system including a plurality of nodes, the method including:
acquiring resource transfer information uploaded by a first processing node in the block chain system;
decrypting the resource transfer information through a preset first key to obtain resource receiving account information;
verifying the account information received by the resource, and receiving a resource transfer request of the first processing node after the account information passes the verification;
acquiring resource transfer-out information corresponding to the resource transfer request;
and transferring the resources to a second processing node in the blockchain system according to the resource transfer-out information.
In one embodiment, the transferring the resource to the second processing node in the blockchain system according to the resource roll-out information includes:
determining a second processing node corresponding to the resource receiving account information from a plurality of nodes of the blockchain system based on a preset intelligent contract;
acquiring a resource transfer-out account and a resource transfer-out amount in the resource transfer-out information;
and transferring the resource corresponding to the resource transfer-out amount to the second processing node under the condition that the balance of the resource in the resource transfer-out account is not lower than the resource transfer-out amount.
In one embodiment, before transferring the resource corresponding to the resource transfer-out amount to the second processing node, the method further comprises:
obtaining a residual transfer-out amount corresponding to the resource transfer-out account;
and terminating the resource transfer flow under the condition that the residual transfer allowance is lower than the resource transfer amount.
In one embodiment, the first processing node is configured to perform the steps of:
receiving a resource transfer application of a terminal;
acquiring resource transfer information corresponding to the resource transfer application;
and encrypting and signing the resource transfer information through a preset second key, and uploading the resource transfer information to the blockchain system.
In one embodiment, the first processing node is configured to perform the steps of:
receiving a resource transfer inquiry application of a terminal;
acquiring query result information corresponding to the resource transfer query application from the blockchain system;
and sending the query result information to the terminal.
In one embodiment, the blockchain system is a pre-deployed coalition chain.
According to another aspect of the embodiments of the present disclosure, there is provided a resource transfer processing apparatus, which is executed on a server, the server being a node of a blockchain system including a plurality of nodes, the apparatus including:
the first acquisition module is used for acquiring resource transfer information uploaded by a first processing node in the blockchain system;
the information decryption module is used for decrypting the resource transfer information through a preset first key to obtain resource receiving account information;
the information verification module is used for verifying the account information received by the resource and receiving a resource transfer request of the first processing node after the account information passes the verification;
the second acquisition module is used for acquiring the resource transfer-out information corresponding to the resource transfer request;
and the resource transfer module is used for transferring the resources to a second processing node in the block chain system according to the resource transfer information.
According to another aspect of the embodiments of the present disclosure, there is also provided a computer device including a memory storing a computer program and a processor implementing the steps of the above method when the processor executes the computer program.
According to another aspect of the disclosed embodiments, there is also provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the above method.
According to another aspect of the disclosed embodiments, there is also provided a computer program product comprising a computer program which, when executed by a processor, implements the steps of the above method.
According to the technical scheme provided by the embodiment of the disclosure, the resource transfer information uploaded by the first processing node in the blockchain can be acquired, the resource transfer information is decrypted through the preset key to obtain the resource receiving account information and verified, after verification is passed, the resource transfer request can be received, the resource transfer information is acquired, and then the resource transfer is carried out to the second processing node in the blockchain according to the resource transfer information. In this way, as the information change related to the resource transfer service is sent in the blockchain, and verified by a plurality of nodes through the consensus algorithm, each node does not need to independently maintain a self accounting system, so that the security and confidentiality of the service information can be improved, the processing efficiency of the resource transfer service can be improved, the service flow is simplified, and the service handling time of the resource transfer service is reduced.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the following description will briefly explain the embodiments or the drawings used in the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments described in the present description, and other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of an application scenario of a resource transfer processing method in one embodiment;
FIG. 2 is a flow diagram of a method of resource transfer processing in one embodiment;
FIG. 3 is a flow diagram of resource transfer according to resource roll-out information in one embodiment;
FIG. 4 is a flow diagram of resource transfer according to resource roll-out information in another embodiment;
FIG. 5 is a flow diagram of operations performed by a first processing node in one embodiment;
FIG. 6 is a flow diagram of operations performed by a first processing node in another embodiment;
FIG. 7 is a schematic diagram of a resource transfer processing device in one embodiment;
FIG. 8 is a schematic diagram of the internal architecture of a computer device in one embodiment.
Detailed Description
In order to enable those skilled in the art to better understand the technical solutions of the present disclosure, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.
It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the foregoing figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the disclosure described herein may be capable of operation in sequences other than those illustrated or described herein. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present disclosure as detailed in the accompanying claims. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element. For example, if first, second, etc. words are used to indicate a name, but not any particular order.
The terms "vertical," "horizontal," "left," "right," "upper," "lower," "front," "rear," "circumferential," "direction of travel," and the like as used herein are based on the orientation or positional relationship shown in the drawings and are merely for convenience of description and to simplify the description, and do not indicate or imply that the devices or elements referred to must have a particular orientation, be constructed and operated in a particular orientation, and therefore should not be construed as limiting the application.
Unless defined otherwise, technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. The terminology used herein in the description of the application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. The term "and/or", "at least one of …" as used herein includes any and all combinations of one or more of the associated listed items. The connection, etc. described in the present disclosure may be a direct connection through an interface or a pin between devices, or may be a connection through a wire, or may be a wireless connection (communication connection).
The resource transfer business such as cross-border remittance and the like relates to financial institutions in a plurality of countries and regions, and a plurality of large-scale third-party international financial institutions are used for improving remittance efficiency, and upstream banks and downstream banks of a remittance chain are connected in series in a mode of widely developing cooperation with a plurality of banks, financial companies and the like, so that more systematic service is provided for users, and therefore the users can transact the cross-border remittance business through the third-party financial institutions at one time. However, even if the different banks still need to independently account, a process from application to completion of funds release of a cross-border money transfer service needs to be repeatedly checked by a plurality of financial institutions, and a downstream financial institution often needs to rely on a processing result of an upstream financial institution to process money transfer, which results in long time consumption, complicated flow and low efficiency of the cross-border money transfer service.
To solve the above technical problem, according to an aspect of an embodiment of the present disclosure, a resource transfer processing method is provided. The resource transfer processing method provided by the embodiment of the application can be applied to an application environment shown in figure 1. Wherein the terminal 102 may communicate with the server 104 via a network. The data storage system may store data that the server 104 needs to process, or may store other data, such as video files received by the server 104. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The terminal 102 may include a mobile phone, a computer, a tablet, etc. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers. The terminal 102 may be an electronic device used by a user. The server 104 may be a server where a banking system or other financial institution business system is located, and multiple servers may be nodes of a blockchain to form a blockchain system.
The blockchain refers to a chain data structure formed by combining data blocks in a sequential connection mode according to time sequence in a narrow sense, and is a distributed account book which is not tamperable and not counterfeitable and is ensured in a cryptographic mode. The generalized blockchain technology is a brand new distributed infrastructure and calculation paradigm for verifying and storing data by utilizing a block chain data structure, generating and updating the data by utilizing a distributed node consensus algorithm, ensuring the safety of data transmission and access by utilizing a cryptography mode, and programming and operating the data by utilizing an intelligent contract consisting of an automatic script code.
In the blockchain system formed by using the plurality of servers 104 as nodes by adopting distributed accounting, each server 104 serving as a node can store complete data according to a block chain structure, and each node of the blockchain is independent and identical in position, and storage consistency is ensured by means of a consensus mechanism.
In some specific application scenarios, the server 104 may include a server where an in-home banking system is located, or may include a server where an out-of-home banking or other financial institution business system is located. Multiple servers 104 serve as nodes of the blockchain, different service systems can record information into the blockchain through the servers 104, and the servers 104 where other service systems are located serve as nodes to synchronously record the information. Because the information recorded in the blockchain can be recorded by all nodes, the information can not be changed, and each service system can acquire the information stored in the blockchain by other service systems through intelligent contracts and the like and process the information correspondingly. The blockchain related to the embodiments of the present disclosure may adopt a pre-deployed federation chain, for example, a sender company, a banking party, a receiver party, a transaction supervisor, etc. related to a resource transfer service may be incorporated into the federation chain as a node, and a consensus mechanism may be formulated, and data related to a service flow may be encrypted and then be uplink to form a ledger with trusted all links, witness all nodes, and non-tamperable account, so that the service flows such as cross-border money transfer and payment are completed on the chain.
In one embodiment, as shown in fig. 2, a resource transfer processing method is provided, taking an example that the method is applied to the server 104 in fig. 1 as an example, where the server 104 is a node of a blockchain system, and the node may represent a domestic banking system, and the blockchain system further includes a plurality of other nodes, and the processing method includes the following steps:
step S210, obtaining resource transfer information uploaded by a first processing node in the blockchain system.
The first processing node may be a server used by a service system of a third party international financial institution, where the server may receive a resource transfer application initiated by a user terminal and obtain service related resource transfer information.
Specifically, the first processing node can encrypt and sign the resource transfer information and upload the information to the blockchain, other nodes of the blockchain can verify the signature of the information by using a public key, other nodes can also perform consensus verification by adopting a consensus algorithm, and the information is packed to generate a block to be added to the blockchain under the condition that more than half of the nodes pass the verification. The domestic banking system serves as a node of the blockchain, and can acquire resource transfer information uploaded by the first processing node from the blockchain. In some other implementations, the resource transfer information may include money transfer decoding of the cross-border money transfer service, account information, and the like.
Step S220, decrypting the resource transfer information through a preset first key to obtain resource receiving account information.
The preset first key may be a private Yue allocated by the blockchain to the domestic banking system.
Specifically, the first processing node may encrypt the information by an asymmetric encryption algorithm before uploading the resource transfer information. After the banking system acquires information from the blockchain, the information can be decrypted through a preset private key, and original information uploaded by the first processing node is restored, so that resource receiving account information such as a decoding code, a collection account and the like of cross-border remittance is obtained.
Step S230, verifying the account information received by the resource, and receiving a resource transfer request of the first processing node after the verification is passed.
Specifically, the banking system can check and inquire the decoding code of the cross-border remittance business, can verify whether the decoding code and the information such as the foreign name, the money collection currency of the money receiver are available or not through the foreign exchange management system, and can receive the cross-border remittance request of the third-party financial institution after the verification is passed.
Step S240, obtaining resource transfer-out information corresponding to the resource transfer request.
In particular, the banking system may parse and obtain money transfer information of the money transfer service, such as identity information of a money transfer user (sender), an account opening line number, a payee line, a payee card number, a fund attribute, a payee occupation, and the like, from the cross-border money transfer request.
And step S250, transferring the resources to a second processing node in the block chain system according to the resource transfer-out information.
Wherein the second processing node may be an overseas financial company or an overseas bank, etc., for example, the second processing node may be an issuer of a collection account in a cross-border money transfer service.
Specifically, cross-border remittance can be performed to a corresponding financial company or bank according to the cash card number and cash register account opening information, so that an overseas remittance company can transfer a certain amount of foreign currency to a cash register account according to cash register currency.
According to the technical scheme provided by the embodiment of the disclosure, the resource transfer information uploaded by the first processing node in the blockchain can be acquired, the resource transfer information is decrypted through the preset key to obtain the resource receiving account information and verified, after verification is passed, the resource transfer request can be received, the resource transfer information is acquired, and then the resource transfer is carried out to the second processing node in the blockchain according to the resource transfer information. In this way, as the information change related to the resource transfer service is sent in the blockchain, and verified by a plurality of nodes through the consensus algorithm, each node does not need to independently maintain a self accounting system, so that the security and confidentiality of the service information can be improved, the processing efficiency of the resource transfer service can be improved, the service flow is simplified, and the service handling time of the resource transfer service is reduced.
In one embodiment, as shown in fig. 3, the transferring the resource to the second processing node in the blockchain system according to the resource roll-out information includes:
step S2510, determining a second processing node corresponding to the resource receiving account information from the plurality of nodes of the blockchain system based on a preset smart contract.
Step S2520, obtaining the resource transfer-out account and the resource transfer-out amount in the resource transfer-out information.
And step S2530, transferring the resource corresponding to the resource transfer-out amount to the second processing node under the condition that the balance of the resource in the resource transfer-out account is not lower than the resource transfer-out amount.
The preset intelligent contract can comprise a pre-written intelligent contract code, and the intelligent contract code can be used for enabling all nodes in the blockchain to trigger and execute specific operations according to preset contract conditions. The resource transfer-out account may be an account opened by a sender (user handling cross-border money transfer) at a domestic bank. The resource receiving account may be a collection account of a cross-border money transfer service.
Specifically, according to the intelligent contract, it may be determined that the collection account belongs to a second processing node of the plurality of nodes of the blockchain, a balance of the bank account in the sender's country is queried, and if the balance of the bank account in the sender's country is not lower than the money transfer amount, a transfer may be made to the second processing node according to the money transfer amount.
In the above embodiment, the second processing node corresponding to the resource receiving account may be determined from the blockchain through a preset intelligent contract, and the resource is transferred to the second processing node when it is confirmed that the balance of the resource in the resource transfer account is not lower than the resource transfer amount. Therefore, the resource transfer flow can be automatically triggered through the intelligent contract, the service processing speed is increased, and the service handling efficiency is improved.
In one embodiment, as shown in fig. 4, before transferring the resource corresponding to the resource transfer-out amount to the second processing node, the method further includes:
step S2522, obtaining the residual transfer-out amount corresponding to the resource transfer-out account.
Step S2524, terminating the resource transfer procedure if the remaining transfer allowance is lower than the resource transfer amount.
The remaining transfer allowance may be a remaining balance of the resource transfer account. It should be noted that, according to legal requirements, everyone has a certain amount of foreign exchange settlement each year, and the transfer service within the amount can be normally performed.
Specifically, before the cross-border remittance is performed, the remaining foreign exchange amount of the sender account may be queried, and if the amount of the cross-border remittance exceeds the remaining amount of the sender account, the cross-border remittance flow may be terminated.
In the above embodiment, before transferring the resources, the remaining transfer allowance of the resource transfer account may be obtained, and the resource transfer may be terminated when the remaining transfer allowance is lower than the transfer allowance, so that the parties such as the resource transfer party, the bank, the supervision, etc. may perform corresponding processing in time, avoiding occurrence of illegal operations, and ensuring service security.
In one embodiment, as shown in fig. 5, the first processing node is configured to perform the following steps:
step S110, receiving a resource transfer application of the terminal.
Step S120, obtaining resource transfer information corresponding to the resource transfer application.
And step S130, encrypting and signing the resource transfer information through a preset second key, and uploading the resource transfer information to the blockchain system.
The terminal can be electronic equipment such as a mobile phone, a computer and the like used by a user handling the cross-border money transfer service.
Specifically, the third party international financial institution can provide a cross-border money transfer service for the user, receive a cross-border money transfer service application initiated by the user terminal, obtain money transfer information such as a money transfer account, a money collection currency, a money collection line and the like input by the user, encrypt and sign the money transfer information through a preset second key, and upload the encrypted and signed information to the blockchain.
It should be noted that each node constituting the blockchain may be pre-assigned with a key generated based on an asymmetric encryption algorithm, such as a first key, a second key, etc. involved in the embodiments of the present disclosure. In some embodiments, the information obtained by decrypting the same encrypted information by different nodes using the key may be the same or different.
In the above embodiment, the first processing node may receive the resource transfer request of the user terminal, encrypt the corresponding resource transfer information, upload the encrypted resource transfer information to the blockchain, and jointly account for each node in the blockchain, so as to ensure that the resource transfer information cannot be tampered, and improve the security of the service information.
In one embodiment, as shown in fig. 6, the first processing node is further configured to perform the steps of:
step S150, receiving a resource transfer inquiry application of the terminal.
Step S160, obtaining query result information corresponding to the resource transfer query application from the blockchain system.
Step S170, transmitting the query result information to the terminal.
The terminal can be electronic equipment such as a mobile phone, a computer and the like used by a user handling the cross-border money transfer service.
Specifically, after the cross-border money transfer business is completed, the banking system can declare the external transfer process according to relevant regulations, and can upload business information in the money transfer process such as money transfer account transfer amount of a sender, money transfer amount of a bank, money transfer type, external transfer sales amount, external transfer declaration record and the like to the blockchain, and each node of the blockchain completes accounting according to a consensus mechanism. The first processing node may receive a request for a cross-border money transfer service of the user terminal, obtain service information related to the cross-border money transfer service from the blockchain, and send the service information to the user terminal.
In the above embodiment, the query application of the terminal may be received, and the query result information related to the resource transfer service may be obtained from the blockchain and sent back to the terminal, so that the user may query the resource transfer process in time through the terminal, and may learn the service progress.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Account information or remittance information and the like possibly related in the embodiments of the application are all data information related to the business, which is actively provided by a user in the business operation process, is processed based on the reasonable purpose of a business scene according to legal, legal and necessary principles strictly according to the requirements of laws and regulations.
According to another aspect of the embodiments of the present disclosure, as shown in fig. 7, there is also provided a resource transfer processing apparatus, which is executed on a server, the server being a node of a blockchain system, the blockchain system including a plurality of nodes, the apparatus including:
a first obtaining module 310, configured to obtain resource transfer information uploaded by a first processing node in the blockchain system;
the information decryption module 320 is configured to decrypt the resource transfer information by presetting a first key, so as to obtain resource receiving account information;
an information verification module 330, configured to verify the resource receiving account information, and receive a resource transfer request of the first processing node after the verification is passed;
a second obtaining module 340, configured to obtain resource roll-out information corresponding to the resource transfer request;
and the resource transfer module 350 is configured to transfer resources to a second processing node in the blockchain system according to the resource transfer information.
The specific limitation of the processing apparatus may be referred to above as limitation of the processing method, and will not be described herein. According to the processing method, the processing device can add the first module, the second module and the like to realize the steps in the corresponding method embodiment. Each of the modules in the processing apparatus described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
It should be noted that the resource transfer processing method and the processing device of the present application can be used for resource transfer business in the financial field, and also can be used in any field other than the financial field, and the application field of the method and the device of the present application is not limited.
According to another aspect of the embodiments of the present disclosure, there is provided a computer device, which may be a terminal, and an internal structure diagram thereof may be as shown in fig. 8. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement the above-described processing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structure shown in FIG. 8 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
According to another aspect of the disclosed embodiments, there is provided a computer program product comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, or the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This disclosure is intended to cover any adaptations, uses, or adaptations of the disclosure following the general principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It is to be understood that the present disclosure is not limited to the precise arrangements and instrumentalities shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof.

Claims (10)

1. A method of resource transfer processing, the method being performed on a server, the server being a node of a blockchain system, the blockchain system including a plurality of nodes, the method comprising:
acquiring resource transfer information uploaded by a first processing node in the block chain system;
decrypting the resource transfer information through a preset first key to obtain resource receiving account information;
verifying the account information received by the resource, and receiving a resource transfer request of the first processing node after the account information passes the verification;
acquiring resource transfer-out information corresponding to the resource transfer request;
and transferring the resources to a second processing node in the blockchain system according to the resource transfer-out information.
2. The method of claim 1, wherein transferring resources to a second processing node in the blockchain system based on the resource roll-out information comprises:
determining a second processing node corresponding to the resource receiving account information from a plurality of nodes of the blockchain system based on a preset intelligent contract;
acquiring a resource transfer-out account and a resource transfer-out amount in the resource transfer-out information;
and transferring the resource corresponding to the resource transfer-out amount to the second processing node under the condition that the balance of the resource in the resource transfer-out account is not lower than the resource transfer-out amount.
3. The method of claim 2, further comprising, prior to transferring the resource corresponding to the resource transfer-out amount to the second processing node:
obtaining a residual transfer-out amount corresponding to the resource transfer-out account;
and terminating the resource transfer flow under the condition that the residual transfer allowance is lower than the resource transfer amount.
4. The method according to claim 1, wherein the first processing node is configured to perform the steps of:
receiving a resource transfer application of a terminal;
acquiring resource transfer information corresponding to the resource transfer application;
and encrypting and signing the resource transfer information through a preset second key, and uploading the resource transfer information to the blockchain system.
5. The method according to claim 1, wherein the first processing node is configured to perform the steps of:
receiving a resource transfer inquiry application of a terminal;
acquiring query result information corresponding to the resource transfer query application from the blockchain system;
and sending the query result information to the terminal.
6. The method of any of claims 1-5, wherein the blockchain system is a pre-deployed coalition chain.
7. A resource transfer processing apparatus, executing on a server, the server being a node of a blockchain system, the blockchain system including a plurality of nodes, the apparatus comprising:
the first acquisition module is used for acquiring resource transfer information uploaded by a first processing node in the blockchain system;
the information decryption module is used for decrypting the resource transfer information through a preset first key to obtain resource receiving account information;
the information verification module is used for verifying the account information received by the resource and receiving a resource transfer request of the first processing node after the account information passes the verification;
the second acquisition module is used for acquiring the resource transfer-out information corresponding to the resource transfer request;
and the resource transfer module is used for transferring the resources to a second processing node in the block chain system according to the resource transfer information.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
CN202310856189.3A 2023-07-12 2023-07-12 Resource transfer processing method and device and computer equipment Pending CN117114664A (en)

Priority Applications (1)

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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310856189.3A CN117114664A (en) 2023-07-12 2023-07-12 Resource transfer processing method and device and computer equipment

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Publication Number Publication Date
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