TWM572512U - Interbank account transaction inquiry system using blockchain technology - Google Patents

Abstract

An interbank account transaction inquiry system using a blockchain technology includes a financial blockchain server, a financial FXML server, a transaction bank blockchain server, and a transaction bank FXML server. The transaction bank FXML server verifies an FXML transaction data of a user and transmits the data to the financial FXML server. When the FXML transaction cannot be finished, the financial FXML server records an unfinished transaction to the financial blockchain server. The transaction bank blockchain server uses the blockchain technology to query the unfinished transaction and verify the same, and then sends a message to inform the user.

Description

Inter-bank account transaction inquiry system using blockchain technology

The present invention relates to a cross-bank account transaction inquiry system, and in particular to an inter-bank account transaction inquiry system using blockchain technology.

With the advancement of society, the demand for cash flow between individuals and businesses across the Internet has increased over time. The ever-increasing advancement of technology is accompanied by the increasing development of the computer industry, and all industries can quickly use computers and networks for transactions and remittances. With the increasing development of the Internet and the increasing popularity of domestic banks, the probability of using the Internet for transactions is increasing.

The network transaction mechanism based on computer credentials has many advantages, such as the fact that the data delivery format is public, and the credentials can be conveniently used in various applications. At the same time, because there is a set of standards to follow, different application supply units will be able to provide services in the same standard interface, and the credentials used will easily be separated from the country by country.

However, the traditional bank still needs to use paper fax to confirm the transaction result, so that the tripartite review time is too long, and it is impossible to provide the customer transaction result immediately.

The novel content is intended to provide a simplified summary of the disclosure in order to provide a basic understanding of the disclosure. This Summary is not an extensive overview of the disclosure, and is not intended to identify key/critical elements of the novel embodiments or the scope of the invention.

One of the contents of this novel content is to provide an inter-bank account transaction inquiry system using blockchain technology, so that when a user conducts a transaction, the transaction message can be obtained instantly.

In order to achieve the above objectives, one of the technical aspects of the present invention relates to an inter-bank account transaction inquiry system using blockchain technology, which includes a financial blockchain servo device, a financial FXML server, and a transaction bank blockchain. Servo device and a transaction bank FXML servo device.

The FXML servo device connects the financial blockchain servo device, the transaction bank blockchain servo device connects to the financial blockchain chain servo device, and the transaction bank FXML servo device connects to the transaction bank blockchain servo device and the financial FXML servo. Device. The transaction bank FXML server verifies a user's FXML transaction data and transmits it to the FXML server. When the FXML transaction data fails to complete the transaction, the FXML server installs an unfinished transaction to the financial position. Gold blockchain servo, while trading The bank blockchain server uses the blockchain technology to query the user after querying the incomplete transaction and verifying it.

The inter-bank account transaction inquiry system using blockchain technology further includes a transaction bank online banking server and a client computer, a transaction bank online banking server connected to the transaction bank FXML server for transmitting from the client computer. The FXML transaction data is verified by the transaction bank FXML server.

The inter-bank account transaction inquiry system using the blockchain technology further includes a designated bank blockchain servo device connected to the financial blockchain chain server, a designated bank FXML server device connected to the designated bank blockchain server device, and the financial FXML. The servo device, and a designated bank network banking server are connected to the designated bank FXML server. The designated bank FXML server is used to respond to the FXML transaction data transmitted by the transaction bank FXML server.

In some embodiments, the transaction bank blockchain server includes a web framework module for web page setup and navigation.

In some embodiments, the web framework module includes a web page function setter and a web page guide connected to the web page function setter. The webpage function setter is configured to process the webpage function setting, and the webpage guider is used to provide the guiding webpage.

In some embodiments, the transaction bank blockchain server further includes a message transmitting and receiving module connected to the webpage frame module to be responsible for message transmission and reception.

In some embodiments, the transaction bank blockchain server further includes an authorization center module connected to the message transmission receiving module to be responsible for the login authority function control.

In some embodiments, the transaction bank blockchain server further includes a core function module coupled to the authorization center module. The core function module includes a ledger basic data finder and an unfinished transaction querier. The uncompleted transaction finder is connected to the account basic information finder, wherein the account basic information finder is used to log into the financial blockchain server to obtain a account chain name, a version of the account chain, and a login result, but not completed. The transaction finder uses the financial blockchain servo to obtain a clearing sequence number for one of the specific clearing dates and a transaction data for which the transaction status is uncompleted.

In some embodiments, the core function module further includes an uncompleted transaction updater connected to the outstanding transaction querier, and a message notifier connected to the outstanding transaction updater. The uncompleted transaction updater is used to update the transaction status, and the message notifier is used to notify the user of the transaction result.

Therefore, the inter-bank account transaction inquiry system using the blockchain technology disclosed in an embodiment of the present invention can facilitate the user to query or immediately receive relevant information of the uncompleted transaction, shorten the review time, and effectively use the funds for allocation. .

The basic spirit and other novel objects of the present invention, as well as the technical means and implementations of the present invention, can be readily understood by those of ordinary skill in the art.

100‧‧‧Inter-bank account transaction inquiry system using blockchain technology

110‧‧‧Finance blockchain servo

120‧‧‧Finance FXML Servo Device

130‧‧‧Transaction Bank Blockchain Servo Device

140‧‧‧Transaction Bank FXML Server

150‧‧‧Transaction Bank Online Banking Server

160‧‧‧Client computer

170‧‧‧Designated Bank Blockchain Servo Device

180‧‧‧Designated Bank FXML Server

190‧‧‧Designated Bank Internet Banking Server

210‧‧‧Web framework module

220‧‧‧Text transmission receiving module

230‧‧‧Authorization Center Module

240‧‧‧core function module

310‧‧‧Web function setter

320‧‧‧Web guide

410‧‧‧Account Chain Basic Data Finder

420‧‧‧Unfinished transaction finder

430‧‧‧Unfinished transaction updater

440‧‧‧Message Notifier

The above and other objects, features, advantages and embodiments of the present invention will be more apparent and understood. The description of the drawings is as follows: FIG. 1 illustrates an inter-row using a blockchain technique according to an embodiment of the present invention. Schematic diagram of the account transaction inquiry system.

2 is a schematic diagram of a transaction bank blockchain servo device of a cross-bank account transaction inquiry system using a blockchain technology according to an embodiment of the present invention.

FIG. 3 is a schematic diagram showing a webpage frame module of a transaction bank blockchain servo device of a cross-bank account transaction inquiry system using a blockchain technology according to an embodiment of the present invention.

4 is a schematic diagram showing a core function module of a transaction bank blockchain servo device of a cross-bank account transaction inquiry system using a blockchain technology according to an embodiment of the present invention.

The various features and elements in the figures are not drawn to scale, and are in the In addition, similar elements/components are referred to by the same or similar element symbols throughout the different drawings.

In order to make the description of the present disclosure more detailed and complete, the following description of the embodiments of the present invention and the specific embodiments thereof are set forth. The features of various specific embodiments, as well as the method steps and sequences thereof, are constructed and manipulated in the embodiments. However, other specific embodiments may be utilized to achieve the same or equivalent function and sequence of steps.

Unless otherwise defined in the specification, the meaning of the scientific and technical terms used herein is the same as that of ordinary skill in the art. In addition, the singular noun used in this specification covers the plural of the noun in the case of no conflict with the context; the plural noun of the noun is also included in the plural noun used.

In addition, the term "connected" as used herein may mean that two or more elements are in direct physical or electrical contact with each other, or indirectly in physical or electrical contact with each other, or that two or more elements are interoperable or Actions, or connections through the Internet, do not depart from the spirit and scope of the present invention. Furthermore, the components, devices, components, and servers used herein may be operated in separate computer mainframes or devices, and may be operated and integrated in one or more computer mainframes or devices. They do not deviate from the spirit and scope of this new model.

FIG. 1 is a schematic diagram showing an inter-bank account transaction inquiry system using a blockchain technology according to an embodiment of the present invention. Figure 2 is a schematic diagram of a transaction bank blockchain servo device using a cross-bank account transaction inquiry system of blockchain technology. Figure 3 is a schematic diagram of a web framework module of a transaction bank blockchain servo device. Figure 4 is a schematic diagram of the core functional modules of the transaction bank blockchain servo.

As shown in FIG. 1, the interbank account transaction inquiry system 100 using the blockchain technology includes a financial blockchain server 110, a financial FXML server 120, a transaction bank block chain server 130, and a transaction bank block chain server 130. The transaction bank FXML server 140 and a transaction bank online banking server 150. When a customer uses a client computer 160 to log into a transaction bank After the online banking server 150, if an interbank transfer transaction is to be performed, an FXML transaction data may be sent to the transaction bank online banking server 150, and the transaction bank online banking server 150 transmits the FXML transaction data to the transaction bank FXML. The servo device 140 verifies the FXML transaction data via the transaction bank FXML server 140, and then transmits the FXML transaction data to the FXML server 120. After the FXML server 120 verifies the FXML transaction data, the data is transmitted to a designated bank FXML. The servo device 180 performs a transaction.

The designated bank may also include a designated bank blockchain server 170 coupled to the financial blockchain server 110 and the designated bank FXML server 180, and the designated bank FXML server 180 is coupled to the designated bank blockchain server 170. And the FXML servo device 120. The designated bank further includes a designated bank network banking server 190 connected to the designated bank FXML server 180.

When the designated bank FXML server 180 receives the FXML transaction data transmitted by the FXML server 120, it notifies the designated bank network banking server 190 to perform the transaction. If the transaction status of the designated bank is abnormal and the transaction status cannot be responded to, the financial FXML server 120 will post the uncompleted transaction to the financial blockchain servo 110.

The transaction bank blockchain server 130 will automatically query the uncompleted transaction data posted in the financial blockchain server 110 and verify the outstanding transaction data in the transaction bank FXML server 140.

Then, after the transaction bank blockchain server 130 completes the verification, the transaction bank FXML transaction result is updated to the financial blockchain chain server 110.

In some embodiments, the transaction bank blockchain server 130 queries the outstanding transaction data posted in the financial blockchain server 110 and verifies the outstanding transaction data in the transaction bank FXML server 140, and then issues The customer is notified of the transaction result so that the customer can immediately understand that the transaction is not completed.

The aforementioned FXML (Financial eXtensible Markup Language) is a financial extensible markup language for use in financial transactions, which is an international standardized format for achieving the purpose of unifying electronic documents, and the FXML is financed by finance. Leading by the Ministry and the Association of Bank Associations to jointly conduct Internet transactions between domestic financial institutions, the information and security standards set, the advantages of credibility interoperability and integration with international financial services, applicable to financing management, financial management, global management Application transactions such as corporate financial management.

In some embodiments, the FDI server 120 is connected to the financial blockchain server 110, the transaction bank blockchain server 130 is connected to the financial blockchain server 110, and the transaction bank FXML server 140 is connected to the transaction bank. The blockchain servo device 130 and the financial FXML server device 120 may be a wireless network, a wired network, an internet, and/or an internal network, etc., without departing from the spirit and scope of the present invention.

In addition, the transaction bank blockchain servo 130 and the financial blockchain servo 110 utilize blockchain technology for verification and communication, for example, It is the application programming interface (API) of the financial company, which is used as the communication protocol.

In some embodiments, the interbank account transaction query system 100 using blockchain technology further includes a transaction bank online banking server 150 and a client computer 160, and the transaction bank online banking server 150 is coupled to the transaction bank FXML. The server 140 transmits the FXML transaction data from the client computer 160 to the transaction bank FXML server 140 for verification.

In some embodiments, the transaction bank blockchain server 130 includes a web framework module 210 for web page setup and navigation.

In some embodiments, the webpage framework module 210 includes a webpage function setter 310 and a webpage guide 320 coupled to the webpage function setter 310. The web page function setter 310 can be used to process web page function settings, and the web page guide 320 is used to provide a guide page.

In some embodiments, the transaction bank blockchain server 130 further includes a message delivery receiving module 220 coupled to the web framework module 210 for transmitting and receiving text, such as an enterprise application integration system (Enterprise Application Integration; EAI) Transmission and reception of messages.

In some embodiments, the transaction bank blockchain server 130 further includes an authorization center module 230 connected to the message delivery receiving module 220 for being responsible for the login authority function control.

In some embodiments, the transaction bank blockchain server 130 further includes a core function module 240 coupled to the authorization center module 230. The core function module 240 includes a ledger basic data finder 410, an uncompleted transaction finder 420, an uncompleted transaction updater 430, and a message notifier 440.

The uncompleted transaction finder 420 is connected to the ledger base material querier 410. The account link basic data finder 410 is used to log into the financial blockchain server 110, for example, by using the aforementioned financial company's API to obtain a account chain name, a account chain version, and a login result. The unfinished transaction finder 420 can also use the API of the aforementioned financial company to obtain a clearing sequence number of one of the specific clearing dates and a transaction data whose transaction status is uncompleted by the financial blockchain server 110.

The outstanding transaction updater 430 is connected to the outstanding transaction finder 420, and the message notifier 440 is connected to the outstanding transaction updater 430. The uncompleted transaction updater 430 is used to update the transaction status, and the message notifier 440 is used to notify the user of the transaction result.

The uncompleted transaction updater 430 can also automatically compare the financial FXML server 120 and the FXML system database of the transaction bank FXML server 140 by using the aforementioned financial company's API, for example, transferring the bank code and transferring out. Account number, transfer bank code, transfer account number, clearing date, clearing serial number, transaction date, transaction serial number, transaction status), confirm the transaction status result of the transaction serial number, and confirm the update to send the outstanding transaction update message.

The message notifier 440 sends a message to notify the customer - the transaction date, the transaction serial number, the transfer bank account number, the transfer bank account number, the transaction amount, the transaction result and the like after the completion of the transaction data update.

In summary, the inter-bank account transaction inquiry system using the blockchain technology disclosed in an embodiment of the present invention can facilitate the user to query or immediately receive related information of the uncompleted transaction, shorten the review time, and effectively perform funds. Use of allocation.

The specific embodiments of the present invention are disclosed in the above embodiments, and are not intended to limit the present invention. Those of ordinary skill in the art to which the present invention pertains, without departing from the spirit and scope of the present invention, Various changes and modifications may be made thereto, and the scope of protection of the present invention is defined by the scope of the accompanying claims.

Claims (10)

A cross-bank account transaction inquiry system using blockchain technology, comprising: a financial blockchain chain servo device; a financial FX (Financial eXtensible Markup Language) server connected to the financial blockchain a servo device; a transaction bank blockchain servo device connected to the financial blockchain chain servo device; and a transaction bank FXML server device connected to the transaction bank blockchain servo device and the financial FXML server device, wherein the transaction The bank FXML server verifies a user's FXML transaction data and transmits it to the financial FXML server, and when the FXML transaction data fails to complete the transaction, the financial FXML server displays an uncompleted transaction. To the financial blockchain chain servo device, the transaction bank blockchain servo device uses the blockchain technology to query the uncompleted transaction and verify, and then sends a message to notify the user. The inter-bank account transaction inquiry system using the blockchain technology as claimed in claim 1, further comprising a transaction bank online banking server and a client computer, the transaction bank network banking server connected to the transaction bank FXML The server device transmits the FXML transaction data from the client computer to the transaction bank FXML server for verification. The inter-bank account transaction inquiry system using the blockchain technology as claimed in claim 1, further comprising: a designated bank blockchain servo device connected to the financial blockchain chain servo device; and a designated bank FXML server device, connected And the designated bank network banking server, and the designated bank network banking server, connected to the designated bank FXML server, wherein the designated bank FXML server is used to respond to the transaction bank FXML servo The FXML transaction data transmitted by the device. The cross-bank account transaction inquiry system using the blockchain technology as claimed in claim 1, wherein the transaction bank blockchain server comprises a webpage frame module to be responsible for webpage setting and guidance. The inter-bank account transaction inquiry system using the blockchain technology of claim 4, wherein the webpage frame module includes a webpage function setter and a webpage guide connected to the webpage function setter, wherein the webpage The function setter is used to process webpage function settings, and the webpage guide is used to provide a guide page. An inter-bank account transaction inquiry system using blockchain technology as claimed in claim 5, wherein the transaction bank blockchain servo device further comprises A message transmission receiving module is connected to the webpage frame module to be responsible for message transmission and reception. The cross-bank account transaction inquiry system using the blockchain technology according to claim 6, wherein the transaction bank blockchain server further includes an authorization center module connected to the message transmission receiving module to be responsible for the login permission function. Control. The cross-bank account transaction inquiry system using the blockchain technology according to claim 7, wherein the transaction bank blockchain server further comprises a core function module connected to the authorization center module. The inter-bank account transaction inquiry system using blockchain technology according to claim 8, wherein the core function module comprises: a account chain basic data finder; and an uncompleted transaction querier connected to the account chain. a data finder, wherein the account basic information finder is configured to log in to the financial blockchain server to obtain a account chain name, a version of the account chain, and a login result, and the uncompleted transaction finder is The gold blockchain servo device obtains a clearing serial number of one of the specific clearing dates and a transaction data whose transaction status is uncompleted. The inter-bank account transaction inquiry system using the blockchain technology as described in claim 9, wherein the core function module further comprises: An uncompleted transaction updater coupled to the outstanding transaction querier; and a message notifier coupled to the outstanding transaction updater, wherein the outstanding transaction updater is configured to update the transaction status, and the message notifier Then to inform the user of the transaction result.