WO2022100078A1

WO2022100078A1 - Blockchain baas cross-border digital payment platform for smart supply chain

Info

Publication number: WO2022100078A1
Application number: PCT/CN2021/098371
Authority: WO
Inventors: 刘天琼
Original assignee: 深圳市爱云信息科技有限公司
Priority date: 2020-11-12
Filing date: 2021-06-04
Publication date: 2022-05-19
Also published as: CN112184199A

Abstract

A blockchain BaaS cross-border digital payment platform for a smart supply chain. The platform comprises a cross-border clearing and settlement system, a fund channel system, a business system, a financial system, a transaction system, and nodes. The nodes perform data exchange with the cross-border clearing and settlement system, the fund channel system, the business system, the financial system, and the transaction system. By constructing a cross-border digital payment platform based on alliance chain technology, the problem of weakness in cross-border payment for traditional banks is effectively solved.

Description

Smart Supply Chain Blockchain BaaS Cross-border Digital Payment Platform

technical field

The invention relates to the technical field of cross-border payment, in particular to a smart supply chain blockchain BaaS cross-border digital payment platform.

Background technique

With the deepening of economic globalization, cross-border trade has developed steadily, and the scale of cross-border payment has gradually expanded. The traditional bank cross-border payment system dominated by SWIFT remittance adopts the operation mode of entrusted agent, which has the problems of long fund settlement process, slow arrival time and high cost, and has gradually been unable to meet the growing cross-border payment needs. In the composition of global cross-border payment revenue, B2B payment accounts for 92%, and 90% of B2B payment is realized through the banking system, and banks are the main channel for cross-border payment. However, the traditional bank payment infrastructure is slow to upgrade, and cross-border payment services generally have many intermediary links, long settlement cycles, and high transit costs, which have been criticized by customers. In recent years, non-bank payment institutions and professional remittance companies have continued to innovate and upgrade payment technology, and the cross-border payment services provided have surpassed the traditional bank cross-border payment model in terms of quality, efficiency, cost and other dimensions, and gradually swallowed up Divide the market share of cross-border payment. Faced with the above unfavorable situation, banks urgently need to rely on new concepts and new technologies, innovate payment systems, improve payment methods, enhance payment capabilities, and maintain their leading position in the field of cross-border payments.

Traditional bank cross-border payment process. Traditional bank cross-border payment mainly relies on the SWIFT system (Society for Worldwide Interbank Financial Telecommunication), and realizes the transfer of payment information and capital positions by opening clearing accounts between banks, as shown in Figure 2: First, submit a remittance instruction, The payer opens an account with the bank, prepares sufficient funds, initiates a remittance application through the bank counter or self-service channel, and provides complete information of the overseas payee; secondly, accepts the sending instruction, the payer's account opening bank reviews the remittance information, and performs customer due diligence Investigate, write SWIFT standardized payment messages, select payment paths, send payment messages, and complete regulatory information submission. At the same time, complete the account processing, debit the customer's account, credit the bank account of the payment message receiving bank or authorize the payment message receiving bank to debit the bank account; third, forward the payment message, such as the payer's account opening bank and the payee There is no account relationship between the opening banks, and a common account bank needs to be selected as the intermediary bank to complete the payment message forwarding and capital flow. If there is no common account bank, you need to select multiple intermediary banks in turn; fourth, release the payment and enter the account, the payee's account opening bank reviews the remittance information, verifies the customer's identity, and executes the payment message according to the payment message. Information submission, etc.; fifth, sixth, and seventh, feedback notification of account entry. In the upgraded version of SWIFT GPI cross-border payment system, the automatic information feedback function is added. During the payment instruction circulation process, all participating banks will feedback the payment business process to the next node bank after executing the payment instruction, and after the funds are credited into the account. , the account information is fed back to the original payer layer by layer along the remittance path.

The pain points of traditional bank cross-border payment mainly include the following five points:

First, the remittance speed is slow. A cross-border payment business not only needs to go through at least two banks, namely the paying bank and the receiving bank, but also often needs to go through at least one intermediary bank. Each bank has an independent accounting processing system. It usually takes 2-3 days for the entire remittance process to complete the clearing and bookkeeping between bank accounts.

Second, the remittance cost is high. Judging from the charging standards for cross-border remittances of major domestic commercial banks, customers need to pay handling fees and telegraph fees. The handling fee is usually 0.1% of the remittance amount (generally a minimum of 50 yuan and a maximum of 260 yuan), and the telegraph fee is 80 yuan (Hong Kong, Macao and Taiwan regions). ) or 150 yuan (outside Hong Kong, Macao and Taiwan regions), if it involves a transfer bank, you need to pay a transfer fee of 10-20 US dollars. In addition, cash exchange fees may also be involved, and the overall cost is relatively high.

The third is low transparency. SWIFT cross-border payment involves multiple countries or regions, and requires the participation of multiple banks and their branches. Each bank has an independent internal core system. Payment messages are transmitted layer by layer in a serial manner. Due to poor communication and feedback, the payer and the paying bank could not grasp the progress of the remittance processing in a timely manner. The GPI project improves the transparency of remittances, but the implementation effect depends on the performance and execution capabilities of participating banks.

The fourth is poor privacy. In SWIFT cross-border payment, customers fully provide personal information such as their accounts and transactions to all participating banks along the remittance path. Any problems in any link may lead to personal information leakage or illegal use by bank staff.

Fifth, the capital occupancy rate is high. SWIFT cross-border payment needs to open accounts between participating banks. In order to build a widely distributed clearing network, banks often open accounts in multiple currencies in multiple overseas banks. For example, Bank of China has established accounts with more than 1,600 banks in 180 countries around the world. account relationship. In order to meet the daily liquidation needs, each account needs to prepare a certain amount of funds.

At present, emerging technologies such as Internet finance, big data, cloud computing, artificial intelligence, and blockchain are constantly emerging, bringing new opportunities for breakthroughs in all walks of life, especially in the financial field. Blockchain technology is a decentralized and highly trusted distributed database ledger technology, which can realize "point-to-point" transactions, and reach a consensus on the accounting rights of transaction data within a period of time, which can be independently stored and collectively maintained. This technology uses asymmetric encryption technology to ensure data security and credibility, and uses timestamp technology to achieve data traceability and verifiability, and makes data open and transparent through distributed storage. Blockchain refers to a chain formed by connecting all blocks containing transaction information in a chronological order within a period of time. It consists of a single block with a version number (including block header and transaction module). The hash value of a block, used to realize the connection between blocks. Each block constitutes a page of the ledger. Once these blocks are confirmed, they cannot be modified. As transactions continue to occur, a distributed ledger structure is gradually formed, as shown in Figure 3.

According to the existing technology, the types of blockchains can be divided into public chains, private chains and alliance chains. The comparison of the characteristics of these three types of blockchains is shown in Figure 4. Among them, the public chain is an open system. Any individual or organization can become a node on the blockchain, and equally enjoy the rights to initiate transactions, obtain all information on the chain, participate in bookkeeping, and perform system maintenance. Its representative is Bit Coins and Ethereum. The private chain has a certain degree of closure and is owned by companies or individuals. Therefore, participating nodes need to be approved by the organization and certified by the system before they can join the blockchain. The representative is Overstock. The characteristics of the alliance chain are between the public chain and the private chain. Only some nodes selected by specific rules have the right to conduct accounting, and other nodes can participate in transactions, but do not ask about the accounting link, which is represented by R3VEV. Through comparative analysis, the public chain, as a completely open and anonymous network, is not suitable for the requirements of the current strong supervision system, and the calculation speed is slow; the private chain is too closed and maintains the centralized characteristics; An important technical form of application, by forming an alliance between specific participants, partially exerting the value of the blockchain, and then expanding the application scale, it has good scalability. Therefore, building a cross-border digital payment platform based on alliance chain technology is more in line with practical needs, and can effectively solve the pain points of traditional banks' cross-border payment.

SUMMARY OF THE INVENTION

In order to overcome the shortcomings of the existing technology, the purpose of the present invention is to provide a smart supply chain blockchain BaaS cross-border digital payment platform, so as to effectively solve the traditional bank cross-border payment pain point problem by building a cross-border digital payment platform based on alliance chain technology .

In order to achieve the above purpose, the technical solution adopted in the present invention is: the present invention provides a smart supply chain blockchain BaaS cross-border digital payment platform, including a cross-border clearing and settlement system, a capital channel system, a business system, a financial system, and a transaction system. and a node; the node performs data interaction with the cross-border clearing and settlement system, the capital channel, the business system, the financial system and the transaction system;

The node is used to form a blockchain, and the node includes a customer group node, a bank alliance node, a platform maintenance organization node, and a regulatory department node; the customer group node consists of corporate customers and individual customers, and the bank alliance node consists of It is composed of all banks participating in the transaction, the platform maintenance agency node is composed of platform maintenance agencies, and the supervisory authority node is composed of regulatory authorities;

The cross-border digital payment platform adopts the consortium chain technology, and only the nodes screened out by specific rules have the right to conduct bookkeeping, and the nodes that have not been screened out by specific rules can participate in transactions but do not ask about the bookkeeping link;

The cross-border clearing and settlement system is used to conduct point-to-point transactions, quickly complete the trusted sharing of payment transaction information between participants, and realize cross-border real-time clearing of T+0 in different countries and currencies; the cross-border clearing and settlement The system includes a compliance check module, an account processing module, a smart contract module, a system access module, and a data storage module; the compliance check module is used for all countries or regions involved in the remittance during the cross-border payment information flow process. (Including remittance, monetary authority, remittance) regulatory policy requirements, prompt the required transaction background information on the customer operation interface, and automatically monitor step by step whether the remittance information meets the regulatory and anti-money laundering compliance requirements flowing through various places to determine Whether the transaction can be successfully executed, if the transaction information does not meet the requirements of the relevant compliance clauses, the cross-border clearing and settlement system will reject the transaction when it is initiated, and feedback the reason for the rejection; the account processing module is used to directly To operate customer accounts within the bank, the bank adopts distributed bookkeeping for both sides of the transaction, so as to avoid banks opening multiple currency accounts to each other and reduce capital occupation and circulation links; the smart contract module is used to set the cross-border transactions. The operation process and objectives of the cross-border clearing and settlement system; the system access module is used to process whether the banks participating in the transaction and the customer group are allowed to enter the cross-border clearing and settlement system; the data storage module is used to automatically save the participating transactions The transaction information of all nodes, forming a complete blockchain data;

The capital channel system is used to integrate a variety of payment channels, including a domestic card issuer module, an international card organization module, a domestic exchange bank module, and an overseas financial institution module; the domestic card issuer module is used to integrate payment channels of domestic card issuers. The international card organization module is used to integrate payment channels of international card organizations, the domestic exchange bank module is used to integrate payment channels of domestic exchange banks, and the overseas financial institution module is used to integrate payment channels of overseas financial institutions;

The business system is used to integrate a variety of financial services, including a multi-currency account custody module, a fund payment module, an exchange settlement module, a prepaid card module, and a risk control and supervision module; the multi-currency account custody module is used to realize multi-currency account custody modules. Currency account custody business, the fund payment module is used to realize the fund payment service, the exchange settlement module is used to realize the exchange settlement business, the prepaid card module is used to realize the prepaid card business, and the risk control supervision module It is used to realize risk control and supervision business;

The financial system is used to integrate a variety of financial functions, including a cross-border loan module, a foreign exchange balance wealth management module, an overseas consumer credit module, an overseas salary payment module, and a supply chain financial module; the cross-border loan module is used to realize cross-border financing. loan function, the foreign exchange balance wealth management module is used to realize the foreign exchange balance wealth management function, the overseas consumption credit module is used to realize the overseas consumption credit function, the overseas salary payment module is used to realize the overseas salary payment function, and the supply The chain finance module is used to realize the function of supply chain finance;

The transaction system is used to manage the transactions of the enterprise customers and the individual customers, and includes a virtual account module, a transaction management module, a multi-currency cash register module, and a dispute management module, and the virtual account module is used to The virtual accounts of the customer and the individual customer are managed, the transaction management module is used to manage normal transactions between the corporate customer and the individual customer, and the multi-currency cashier module is used to process the The multi-currency transaction between the enterprise client and the individual client, the dispute management module is used to manage the disputed transaction between the enterprise client and the individual client.

Further, the compliance check module includes a compliance policy module, a background check module, and a transaction access module, and the compliance policy module is used to record and save all countries or regions (including remittance places, monetary authorities, remittances, etc.) local) supervision policy, the background checking module is used to record and save the required transaction background information, and the transaction access module is used to monitor whether the remittance information meets the local supervision and anti-counterfeiting information saved by the compliance policy module in a step-by-step manner. Money laundering compliance requirements to determine whether the transaction can be successfully executed. If the transaction information does not meet the requirements of the relevant compliance terms, it will be rejected when the transaction is initiated, and the reason for the rejection will be fed back.

Further, the account processing module includes an all-in-one account module, a virtual core system, a peer-to-peer transaction module, and a distributed accounting module; the all-in-one account module is used to manage the multi-currency one book of the customer group. to meet various currency clearing needs; the virtual core system is used to establish a direct connection channel for all the banks' intra-bank systems involved in transactions to avoid payment intermediaries intervening in transactions; the peer-to-peer transaction module is used to directly operate the bank's internal customer accounts , including debiting the remitter account and crediting the beneficiary account; the distributed accounting module is used for the distributed accounting of both banks participating in the transaction, so as to avoid the banks opening multiple currency accounts to each other, so as to reduce the Capital occupation and circulation.

Further, the smart contract module includes an automatic debit contract module, an automatic account entry contract module, a wealth management custody contract module, a foreign exchange withdrawal contract module, a supervision contract module, an access contract module, an authority allocation contract module, an overdraft contract module, and violation penalties. contract module; the automatic debit contract module is set at the payment initiator end to check whether the remittance information meets the conditions for automatic deduction; the automatic credit contract module is set at the payment receiving end, and is used to transmit the transaction information to the payment receiver The financial custody contract module is used for financial custody operations; the foreign exchange withdrawal contract module is used for foreign exchange refund operations; the supervision contract module is set at the payment review terminal to allow execution to meet regulatory requirements The overdraft contract module is used for transaction overdraft operations; the access contract module is used to write the access standards and requirements for participating in the transaction; the authority allocation contract module is used to write the authority allocation of the banks participating in the transaction rules; the overdraft contract module is used for transaction overdraft operations; the violation penalty contract is used for penalty operations for transaction violations.

Further, the system access module includes a bank access module, a customer access module, an authority allocation module, a regular recheck module, and an exit mechanism module; the bank access module is used for writing according to the access contract module. According to the transaction access standards and requirements, according to the qualification, rating, scale and reputation factors of the participating banks, consider whether to allow participating banks to join the cross-border clearing and settlement system; the customer access module is used to The transaction access standards and requirements written in the access contract module shall be considered according to the business background information of the enterprise customer and the individual customer participating in the transaction and in combination with the policy and regulatory requirements of the location of the enterprise customer and the individual customer. The enterprise client and the individual client participating in the transaction are allowed to join the cross-border clearing and settlement system; the authority assignment module is used to assign the authority of the bank participating in the transaction according to the authority assignment contract module; The inspection module is used to periodically start a re-inspection procedure for the banks, the corporate customers and the individual customers participating in the transaction to check whether there is any violation of the transaction; Violations, initiate exit procedures for the bank involved, the corporate customer and the individual customer.

Further, the data storage module includes a HASH algorithm module, a transaction data block module, and a distributed storage module. The HASH algorithm module is used to transmit data using the HASH algorithm, and the transaction data block module is used to establish a transaction database. The distributed storage module is used to store data in a distributed manner.

Further, the cross-border clearing and settlement system is based on a bank account.

Further, the cross-border clearing and settlement system adopts digital signature and asymmetric encryption algorithm in the process of payment transaction information circulation, and only the remitter, the supervisory department and the designated payee hold the key, which effectively guarantees the payment transaction information. Safety.

Further, each cross-border payment transaction in the cross-border clearing and settlement system will trigger a payment system consisting of the remitter, the bank where the remitter opens, the supervisory department of the place of remittance, the supervisory department of the monetary authority, the supervisory department of the place of remittance, and the payee. The cross-border clearing and settlement system, in the form of broadcasting, synchronously publishes the block data generated by each node to other nodes on the chain, so as to realize the transaction information among the participating nodes. Free interaction, and in each operation link, each node will be given different permissions, including transaction processing permissions and information access permissions.

Further, the contract content and trigger mechanism included in the smart contract module are formulated by the bank alliance, and written into the cross-border clearing and settlement system in the form of code. Once the transaction meets the trigger conditions, the contract will be automatically executed, and external factors Can't interfere.

Compared with the prior art, the beneficial effect of the present invention is that the smart supply chain blockchain BaaS cross-border digital payment platform provided by the present invention includes a cross-border clearing and settlement system, a capital channel system, a business system, a financial system, and a transaction system. and nodes; data interaction between nodes and cross-border clearing and settlement systems, capital channels, business systems, financial systems and transaction systems; the present invention utilizes the technical characteristics of the alliance blockchain and uses bank accounts as the basis to reshape traditional banks’ cross-border Payment system, try to build a cross-border payment system platform that connects customers, banking institutions and regulatory authorities. Customers who are authorized to enter the platform open deposit accounts in banks, and can conduct "point-to-point" transactions with each other to achieve information sharing and transaction information. Simultaneously send to the regulatory authorities to accept transaction compliance checks. Through pre-set smart contracts, real-time clearing of funds, intelligent information interaction, and efficient implementation of supervision are realized, forming a cross-border payment system of the alliance chain with an orderly and efficient flow of decentralized information and capital flows. The cross-border digital payment platform of chain technology effectively solves the pain points of cross-border payment of traditional banks.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present invention more clearly, the following briefly introduces the drawings required in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.

FIG. 1 is a system structure diagram of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

Figure 2 is a flow chart of traditional bank cross-border payment based on the SWIFT system.

Figure 3 is a schematic diagram of the blockchain structure.

Figure 4 is a comparison of three types of blockchain features.

FIG. 5 is a structural diagram of a compliance checking module of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

6 is a structural diagram of an accounting processing module of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

7 is a structural diagram of a smart contract module of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

8 is a structural diagram of a system access module of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

FIG. 9 is a structural diagram of a data storage module of a smart supply chain blockchain BaaS cross-border digital payment platform provided by an embodiment of the present invention.

FIG. 10 is an example diagram of the workflow of the smart supply chain blockchain BaaS cross-border digital payment platform provided by the embodiment of the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

The same or similar numbers in the drawings of this embodiment correspond to the same or similar components; in the description of the present invention, it should be understood that if there are terms such as "upper", "lower", "left", "right", etc. The indicated orientation or positional relationship is based on the orientation or positional relationship shown in the accompanying drawings, which is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the indicated device or element must have a specific orientation or a specific orientation. structure and operation, so the terms describing the positional relationship in the accompanying drawings are only used for exemplary illustration, and should not be construed as a limitation on this patent, and those of ordinary skill in the art can understand the specific meanings of the above terms according to specific situations.

The technical solutions of the present invention will be described in detail below with reference to the accompanying drawings and specific embodiments.

Referring to Figure 1, it includes cross-border clearing and settlement system, capital channel system, business system, financial system, transaction system and nodes; data interaction between nodes and cross-border clearing and settlement system, capital channel, business system, financial system and transaction system ;

Nodes are used to form the blockchain. Nodes include customer group nodes, bank alliance nodes, platform maintenance organization nodes, and regulatory department nodes; customer group nodes are composed of corporate customers and individual customers, and bank alliance nodes are composed of all banks participating in transactions. The maintenance agency node is composed of platform maintenance agencies, and the regulatory department node is composed of regulatory departments;

The cross-border digital payment platform adopts the alliance chain technology. Only the nodes screened by specific rules have the right to conduct bookkeeping, and the nodes that have not been screened by specific rules can participate in transactions but do not ask about the bookkeeping process;

The cross-border clearing and settlement system is used to conduct point-to-point transactions, quickly complete the trusted sharing of payment transaction information between participants, and realize cross-border real-time clearing of T+0 in different countries and currencies; the cross-border clearing and settlement system includes compliance Inspection module, account processing module, smart contract module, system access module and data storage module; the compliance inspection module is used to check all countries or regions involved in the remittance (including the place of remittance, Monetary authorities, remittance places) regulatory policy requirements, prompt the required transaction background information on the customer operation interface, and automatically monitor step by step whether the remittance information meets the regulatory requirements and anti-money laundering compliance requirements to determine whether the transaction can be successfully executed, If the transaction information does not meet the requirements of the relevant compliance clauses, the cross-border clearing and settlement system will reject the transaction when it is initiated, and feedback the reason for the rejection; the account processing module is used to directly operate the customer's account within the bank when the transaction occurs, and the bank will control the transaction. Both parties use distributed bookkeeping to avoid banks opening multiple currency accounts to each other and reduce capital occupation and circulation; the smart contract module is used to set the operation process and goals of the cross-border clearing and settlement system; the system access module Whether the banks and customer groups involved in the transaction are allowed to enter the cross-border clearing and settlement system; the data storage module is used to automatically save the transaction information of all nodes participating in the transaction to form complete blockchain data;

The capital channel system is used to integrate a variety of payment channels, including the domestic card issuer module, the international card organization module, the domestic exchange bank module, and the overseas financial institution module; the domestic card issuer module is used to integrate payment channels of domestic card issuers, and the international card organization module is used for In order to integrate the payment channels of international card organizations, the domestic exchange bank module is used to integrate the payment channels of domestic exchange banks, and the overseas financial institution module is used to integrate the payment channels of overseas financial institutions;

The business system is used to integrate a variety of financial services, including a multi-currency account custody module, a fund payment module, an exchange settlement module, a prepaid card module, and a risk control and supervision module; the multi-currency account custody module is used to realize multi-currency account custody. business, the fund payment module is used to realize the fund payment business, the exchange settlement module is used to realize the exchange settlement business, the prepaid card module is used to realize the prepaid card business, and the risk control supervision module is used to realize the risk control supervision business;

The financial system is used to integrate a variety of financial functions, including cross-border loan module, foreign exchange balance wealth management module, overseas consumer credit module, overseas salary payment module, and supply chain financial module; cross-border loan module is used to realize cross-border loan function, foreign exchange The balance financial management module is used to realize the foreign exchange balance financial management function, the overseas consumption credit module is used to realize the overseas consumption credit function, the overseas salary payment module is used to realize the overseas salary payment function, and the supply chain finance module is used to realize the supply chain financial function;

The transaction system is used to manage the transactions of corporate customers and individual customers, including a virtual account module, a transaction management module, a multi-currency cashier module, and a dispute management module. The virtual account module is used to manage the virtual accounts of corporate customers and individual customers. The transaction management module is used to manage normal transactions between corporate customers and individual customers, the multi-currency cashier module is used to process multi-currency transactions of corporate customers and individual customers, and the dispute management module is used to deal with corporate customers and individual customers. Disputed transactions between them are managed.

The smart supply chain blockchain BaaS cross-border digital payment platform provided by the above technical solutions includes cross-border clearing and settlement systems, capital channel systems, business systems, financial systems, trading systems and nodes; nodes and cross-border clearing and settlement systems, capital channels Data interaction is carried out between the system, the business system, the financial system and the transaction system; the present invention uses the technical characteristics of the consortium blockchain to reshape the traditional bank cross-border payment system based on the bank account, and tries to build a connection between customers, banking institutions and regulatory authorities. The cross-border payment system platform, authorized customers who enter the platform, open deposit accounts in the bank, can conduct "point-to-point" transactions with each other, realize information sharing, and send transaction information synchronously to regulatory authorities to accept transaction compliance inspections. Through pre-set smart contracts, real-time clearing of funds, intelligent information interaction, and efficient implementation of supervision are realized, forming a cross-border payment system of the alliance chain with an orderly and efficient flow of decentralized information and capital flows. The cross-border digital payment platform of chain technology effectively solves the pain points of cross-border payment of traditional banks.

Enterprise customers and individual customers are the initiators of the platform and the main service objects. Any customer who meets the conditions can apply to join the cross-border digital payment platform. After access, it will officially become a node in the alliance chain. At the transaction level, customers can self-edit payment instructions through the platform App, and initiate cross-border remittance business “point-to-point” to any other node customer in the alliance chain. To ensure the timeliness and traceability of transactions, at the same time, in the process of payment transaction information, digital signatures and asymmetric encryption algorithms are used, and only the remitter, the supervisory department and the designated payee hold the key, which effectively guarantees information security. sex. At the account level, customers can interact with various account-opening banks in the system platform, grasp the account transaction details and balance information in real time, and provide a powerful handle for the overall arrangement of capital positions.

Bank alliance, in the blockchain cross-border payment system platform, the bank is the platform leader and one of the important participants in the transaction, but the bank is no longer engaged in payment message processing, and its function is mainly the system planning of the alliance chain, Including contract setting, platform access, authority control, etc., as well as providing diversified financial services such as account management, customer credit, deposit and wealth management for customer groups. At the transaction level, when a customer initiates a remittance, he or she can choose an account opened in a certain bank to pay out. . Under this operating mode, there is no need to open accounts between banks, and fund settlement is no longer carried out through inter-bank accounts. Smart contracts are used to perform "point-to-point" write-offs through the accounts opened by the remitter and the payee in the bank, eliminating the need for banks In the process of reversing internal and external accounts, at the same time, for customers with certain credit standing, when initiating cross-border remittance, the bank can provide credit services with an appropriate amount. At the contract level, the members of the banking alliance jointly decide on the type of smart contracts to be implemented, adding, modifying, and deleting smart contract operations. An application can be initiated by a participating bank, and the platform will publish the application information to all banks on the chain. After more than half of the banks agree effective. In addition, banks can also provide customers with other traditional financial value-added services such as deposits and wealth management.

Regulatory authorities, in the traditional bank cross-border payment system, customers entrust banks to initiate cross-border remittances. When banks process transactions, they need to actively perform customer due diligence and anti-money laundering compliance inspections. The designated system submits regulatory information. Also in the cross-border remittance transfer link and the receiving end, the transit bank and the receiving bank must also perform the relevant business compliance inspection and information reporting responsibilities according to the requirements of the regional regulatory authority. Therefore, the regulatory authority The mastery of cross-border payment information is completely dependent on the bank's implementation and self-discipline, resulting in high regulatory costs, low processing efficiency, poor information quality, and high compliance pressure. The alliance chain cross-border payment system platform includes national or regional central banks, foreign exchange management departments and other regulatory agencies as one of the participants, and opens specific information access rights to regulatory agencies. The platform uses smart contracts to blacklist regulatory requirements and blacklists. Writing into the blockchain allows the platform to only accept transactions that meet the access requirements. At the same time, when cross-border remittance occurs, the platform automatically pushes relevant information to the supervisory authority where the remitter and beneficiary are located, enabling the supervisory authority to dynamically monitor information flow and capital flow.

Platform maintenance agency, the platform needs to entrust a professional technology company to be responsible for the daily operation and maintenance of the platform, and provide blockchain technology maintenance services such as parameter maintenance, technical support, and system construction. The platform maintenance organization is jointly decided by the participating entities of the banks in the alliance chain. As a technical service provider of the alliance chain, it does not participate in the transaction process, has no access to transaction information, and can only access the configuration data of the processing system, as well as the encrypted transaction and contract information. etc., which greatly reduces the risk of payment transaction information leakage and theft.

The platform operating mechanism, each cross-border payment transaction will trigger a remittance, the remitter's account bank, the remittance regulatory department, the monetary authority regulatory department, the remittance regulatory department, the payee, the payee's account bank, etc. The formed alliance chain, the platform publishes the block data generated by each node synchronously to other nodes on the chain in the form of broadcast, realizing the free interaction of transaction information among the participating nodes, and in each operation link, each node will They are given different rights, including transaction processing rights and information access rights.

As an embodiment of the present invention, referring to FIG. 5 , the compliance check module includes a compliance policy module, a background check module and a transaction access module, and the compliance policy module is used to record and save all countries or regions (including the remittance place) , monetary authorities, remittances) regulatory policies, the background verification module is used to record and save the required transaction background information, and the transaction access module is used to monitor step by step whether the remittance information meets the local supervision and anti-counterfeiting information saved by the compliance policy module. Money laundering compliance requirements to determine whether the transaction can be successfully executed. If the transaction information does not meet the requirements of the relevant compliance terms, it will be rejected when the transaction is initiated, and the reason for the rejection will be fed back.

As an embodiment of the present invention, referring to FIG. 6 , the accounting processing module includes an All-in-one account module, a virtual core system, a peer-to-peer transaction module, and a distributed accounting module; the All-in-one account module is used to manage multiple customer groups. Currency all-in-one account to meet the needs of various currency clearing; the virtual core system is used to establish a direct connection channel for all participating banks' intra-bank systems to avoid payment intermediaries intervening in transactions; the peer-to-peer transaction module is used to directly operate the bank's internal customer accounts , including debiting the remitter account and crediting the beneficiary account; the distributed accounting module is used for the distributed accounting of both banks involved in the transaction, so as to prevent banks from opening multiple currency accounts to each other to reduce capital occupation and circulation.

As an embodiment of the present invention, referring to FIG. 7 , the smart contract module includes an automatic debit contract module, an automatic account entry contract module, a wealth management custody contract module, a foreign exchange withdrawal contract module, a supervision contract module, an access contract module, and an authority allocation contract. module, overdraft contract module, and violation penalty contract module; the automatic debit contract module is set at the payment originator to check whether the remittance information meets the conditions for automatic deduction; the automatic credit contract module is set at the payment receiving end and is used when transaction information is processed. When it is delivered to the payee, it will be automatically credited to the account; the wealth management custody contract module is used for wealth management custody operations; the foreign exchange refund contract module is used for foreign exchange refund operations; the supervision contract module is set at the payment review end to allow the execution of transactions that meet regulatory requirements. ;The overdraft contract module is used for transaction overdraft operations; the access contract module is used to write the access standards and requirements for participating in the transaction; the authority allocation contract module is used to write the authority allocation rules of the participating banks; the overdraft contract module is used for transactions Overdraft operation; Violation penalty contract is used to punish transaction violations.

As an embodiment of the present invention, referring to FIG. 8 , the system access module includes a bank access module, a customer access module, an authority allocation module, a regular recheck module, and an exit mechanism module; the bank access module is used for The transaction access standards and requirements written in the contract module are considered based on the qualifications, ratings, scale and reputation factors of the banks involved in the transaction, and whether the participating banks are allowed to join the cross-border clearing and settlement system; the customer access module is used for The transaction access standards and requirements written in the contract module shall be considered according to the business background information of the enterprise customers and individual customers participating in the transaction and in combination with the policies and regulations of the location of the enterprise customers and individual customers. Cross-border clearing and settlement system; the authority allocation module is used to allocate the authority of the banks participating in the transaction according to the authority allocation contract module; the regular recheck module is used to periodically start the recheck procedure for the banks, corporate customers and individual customers participating in the transaction to Check whether there is any irregularity in the transaction; the exit mechanism is used to initiate the exit procedure for the involved banks, corporate customers and individual customers for major irregularities detected by the regular recheck module.

As an embodiment of the present invention, referring to FIG. 9 , the data storage module includes a HASH algorithm module, a transaction data block module, and a distributed storage module. The HASH algorithm module is used to transmit data using the HASH algorithm, and the transaction data block module is used to establish a transaction. Database, distributed storage module is used to store data in a distributed manner.

As an embodiment of the present invention, the cross-border clearing and settlement system is based on bank accounts.

As an embodiment of the present invention, the cross-border clearing and settlement system adopts digital signature and asymmetric encryption algorithm in the process of payment transaction information flow, and only the remitter, the supervisory department and the designated payee hold the key, which effectively guarantees Security of payment transaction information.

As an embodiment of the present invention, each cross-border payment transaction in the cross-border clearing and settlement system will trigger a remitter, the remitter's account bank, the supervisory department of the place of remittance, the supervisory department of the monetary authority, and the supervisory department of the place of remittance. The consortium chain composed of the payee, the payee, the payee's account opening bank, etc., the cross-border clearing and settlement system broadcasts the block data generated by each node to other nodes on the chain synchronously, so that the transaction information can be shared among the participating nodes. Free interaction between nodes, and in each operation link, each node will be given different permissions, including transaction processing permissions and information access permissions.

As an embodiment of the present invention, the contract content and trigger mechanism included in the smart contract module are formulated by the bank alliance, and written into the cross-border clearing and settlement system in the form of code. Once the transaction meets the trigger conditions, the contract will be automatically executed, and external factors Can't interfere.

Case 1

Take a US dollar cross-border remittance business from Bank of China in mainland China to Deutsche Bank as an example to demonstrate the workflow of the cross-border digital payment platform based on the alliance chain, as shown in Figure 10:

In the first step, the customer initiates the remittance. When the payer initiates a transaction, an encrypted cross-border payment original block data is generated and put into the consortium chain. The platform sends the original block data synchronously to the payee, the payer's bank, the payee's bank, and the People's Bank of China. and SAFE, the Federal Reserve, the Ministry of Justice, the German Federal Financial Supervisory Authority, etc. At this time, only the People’s Bank of China and SAFE and other departments have the authority to operate block data, other nodes based on their own private keys, Access payment information within the scope of authority.

The second step is compliance inspection by the regulatory authority of the remittance place. After verification, the People's Bank of China, SAFE and other departments will add audit records to the block data, generate a new block data, put it into the alliance chain, and the platform will send the block data synchronously to each participating node again. At the same time, the People's Bank of China and the State Administration of Foreign Exchange automatically collect the cross-border payment information according to the requirements of my country's foreign exchange regulatory policies. At this time, only the Federal Reserve and the Ministry of Justice have the authority to operate the block data. Access payment information within the scope of authority.

The third step is compliance inspection by the monetary authority supervision department. After the verification is correct, the Federal Reserve, the Ministry of Justice and other departments add audit records to the block data, generate a new block data again, put it into the alliance chain, and the platform will send the block data synchronously to each participating node again. The U.S. authorities are required to monitor the flow of U.S. dollar funds around the world and automatically collect information on this transaction. At this time, only the German Federal Financial Supervisory Authority and other departments have the authority to operate block data, and other nodes can access payment information within the scope of authority according to their own private keys.

The fourth step is the compliance inspection of the importing local regulatory authority. After the audit is correct, the German Federal Financial Supervisory Authority and other departments add audit records to the block data, generate a new block data again, put it into the alliance chain, and the platform will send the block data synchronously to each participating node again. According to the requirements of the German cross-border payment transaction policy, the transaction information is automatically collected. At this time, only the payee has the authority to operate the block data, and other nodes can access the payment information within the scope of authority according to their own private keys.

The fifth step is to complete the accounting process. After the review by the German Federal Financial Supervisory Authority and other departments, the platform will synchronously complete the payee's account entry operation. When the payee's account balance increases, it will automatically trigger the payee's end to add the remittance completed record in the block data, generating a new account. The block data is put into the alliance chain, and the platform sends the block data to each participating node synchronously again, and each node updates and stores the data, and saves the last block chain with the status of "completed".

To sum up, compared with the traditional SWIFT bank cross-border payment, the smart supply chain blockchain BaaS cross-border digital payment platform constructed by the present invention abandons the correspondent bank model, realizes decentralized "point-to-point" cross-border payment, reduces In the process link, at the currency level, it is proposed to establish a "All-in-One" account to support the payment function of funds in various currencies; at the information flow level, it is proposed to publish transaction block data by broadcasting to promote information sharing, and at the same time to ensure accurate and accurate data. It cannot be tampered with; at the level of capital flow, the idea of direct connection between the internal core systems of participating banks and the platform is proposed, and a virtual "core system" is built on the alliance chain to realize real-time accounting processing and distributed accounting. , efficiency, safety and other aspects have significant advantages:

First, the cost of payment is low. According to McKinsey's calculations, blockchain technology can help cross-border payment participants save about 42% of transaction fees, from an average of $26 per transaction to $15. Among the $11 reduction, the transfer fees of transit banks accounted for 73% , and the rest are compliance and other operating costs, which effectively reduces the operating costs of the company.

Second, the settlement of funds is expedited. In the virtual core system constructed, the "point-to-point" accounting processing method has the processing efficiency similar to that of intra-bank remittances of various banks. With the addition of transaction review and compliance inspection time, funds can basically be transferred to the beneficiary's account within a few minutes. , to further promote the flow efficiency of cross-border capital and the rapid development of global trade.

Third, efficient position management and control. The platform introduces a multi-currency "All-in-One" account system, adopts distributed bookkeeping, and does not require mutual account opening between banks, which changes the current situation of preparing a large amount of funds in each account in order to meet the needs of multi-currency payment and settlement, which is effective. It reduces the occupation of bank funds, improves the efficiency of position management and control, and reduces the operating costs of bank funds.

Fourth, information interaction is dynamic. The platform has changed the current traditional bank cross-border remittance transaction information "serial" step-by-step processing method. During the entire process of blockchain formation, the transaction block data is published by broadcasting to ensure that the relevant participants in cross-border payment transactions can grasp it in a timely manner. The transaction information and processing process effectively promote data sharing and information exchange.

Fifth, keep customer information confidential. In the current cross-border payment system, customer transaction information is completely exposed to all banks involved in the remittance, and the privacy of customer information is poor. In the cross-border payment platform of the alliance chain, participating banks do not participate in transaction processing, and only have limited access to customer transaction information. , to a certain extent, a protection mechanism for customer information has been formed.

Sixth, review and supervise intelligence. Under the traditional bank cross-border payment mode, when banks handle cross-border remittance business for customers, they need to actively review the customer's identity and submit transaction information. The method is embedded in the platform, and in the process of information exchange, various tasks of review and supervision are automatically carried out.

Seventh, data storage security. Centralized storage is easy to bring security risks of data loss and tampering. In the cross-border payment system of the alliance chain, transaction data is distributed and stored in each participating node in the form of blockchain. The loss of any node data does not affect the data storage of other nodes, and modification Blockchain data needs to be approved by more than half of the participating nodes, and the data storage is more secure.

Specifically, all the algorithms, methods, schemes, specifications and rules involved in the present invention use existing, existing and public algorithms, methods, schemes, specifications and rules, and all modules involved in the present invention are implemented in the same manner. Those skilled in the art can easily implement the technical solutions of the present invention by using existing, existing, and disclosed implementation methods by using existing, existing, and disclosed open source codes or commercial software.

The embodiments of the present invention have been described in detail above, but the creation of the present invention is not limited to the present embodiment. Those skilled in the art can also make many equivalent modifications or substitutions without departing from the spirit of the present invention. These equivalent modifications or substitutions are all included within the protection scope defined by the claims of the present application.

Claims

The smart supply chain blockchain BaaS cross-border digital payment platform is characterized in that it includes a cross-border clearing and settlement system, a capital channel system, a business system, a financial system, a transaction system and a node; the node and the cross-border clearing and settlement system , data exchange between the capital channel, the business system, the financial system and the transaction system;

The node is used to form a blockchain, and the node includes a customer group node, a bank alliance node, a platform maintenance organization node, and a regulatory department node; the customer group node consists of corporate customers and individual customers, and the bank alliance node consists of It is composed of all banks participating in the transaction, the platform maintenance agency node is composed of platform maintenance agencies, and the supervisory authority node is composed of regulatory authorities;

The cross-border digital payment platform adopts the consortium chain technology, and only the nodes screened out by specific rules have the right to conduct bookkeeping, and the nodes that have not been screened out by specific rules can participate in transactions but do not ask about the bookkeeping link;

The cross-border clearing and settlement system is used to conduct point-to-point transactions, quickly complete the trusted sharing of payment transaction information between participants, and realize cross-border real-time clearing of T+0 in different countries and currencies; the cross-border clearing and settlement The system includes a compliance check module, an account processing module, a smart contract module, a system access module, and a data storage module; the compliance check module is used for all countries or regions involved in the remittance during the cross-border payment information flow process. (Including remittance, monetary authority, remittance) regulatory policy requirements, prompt the required transaction background information on the customer operation interface, and automatically monitor in steps whether the remittance information meets the regulatory and anti-money laundering compliance requirements flowing through various places to determine Whether the transaction can be successfully executed, if the transaction information does not meet the requirements of the relevant compliance clauses, the cross-border clearing and settlement system will reject the transaction when it is initiated, and feedback the reason for rejection; the account processing module is used to directly To operate customer accounts within the bank, the bank adopts distributed bookkeeping for both parties of the transaction, so as to avoid banks opening multiple currency accounts to each other and reduce capital occupation and circulation links; the smart contract module is used to set the cross-border transaction. Operation process and objectives of the cross-border clearing and settlement system; the system access module is used to process whether the banks participating in the transaction and the customer group are allowed to enter the cross-border clearing and settlement system; the data storage module is used to automatically save the participating transactions The transaction information of all nodes, forming a complete blockchain data;

The capital channel system is used to integrate a variety of payment channels, including a domestic card issuer module, an international card organization module, a domestic exchange bank module, and an overseas financial institution module; the domestic card issuer module is used to integrate payment channels of domestic card issuers. The international card organization module is used to integrate payment channels of international card organizations, the domestic exchange bank module is used to integrate payment channels of domestic exchange banks, and the overseas financial institution module is used to integrate payment channels of overseas financial institutions;

The business system is used to integrate a variety of financial services, including a multi-currency account custody module, a fund payment module, an exchange settlement module, a prepaid card module, and a risk control and supervision module; the multi-currency account custody module is used to realize multi-currency account custody modules. Currency account custody business, the fund payment module is used to realize the fund payment service, the exchange settlement module is used to realize the exchange settlement business, the prepaid card module is used to realize the prepaid card business, and the risk control supervision module It is used to realize risk control and supervision business;

The financial system is used to integrate a variety of financial functions, including a cross-border loan module, a foreign exchange balance wealth management module, an overseas consumer credit module, an overseas salary payment module, and a supply chain financial module; the cross-border loan module is used to realize cross-border financing. loan function, the foreign exchange balance wealth management module is used to realize the foreign exchange balance wealth management function, the overseas consumption credit module is used to realize the overseas consumption credit function, the overseas salary payment module is used to realize the overseas salary payment function, and the supply The chain finance module is used to realize the function of supply chain finance;

The transaction system is used to manage the transactions of the enterprise customers and the individual customers, and includes a virtual account module, a transaction management module, a multi-currency cash register module, and a dispute management module, and the virtual account module is used to The virtual accounts of the customer and the individual customer are managed, the transaction management module is used to manage normal transactions between the corporate customer and the individual customer, and the multi-currency cashier module is used to process the The multi-currency transaction between the enterprise client and the individual client, the dispute management module is used to manage the disputed transaction between the enterprise client and the individual client.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 1, wherein the compliance check module comprises a compliance policy module, a background check module and a transaction access module, and the compliance policy The module is used to record and save the regulatory policies of all countries or regions (including the place of remittance, monetary authority, and place of remittance). The background check module is used to record and save the required transaction background information. The transaction access module is used to Step by step to monitor whether the remittance information meets the local regulatory and anti-money laundering compliance requirements stored in the compliance policy module to determine whether the transaction can be successfully executed. Reject it and report the reason for the rejection.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 1, wherein the accounting processing module comprises an account module, a virtual core system, a peer-to-peer transaction module, and a distributed accounting module ; The All-in-One Account module is used to manage the multi-currency All-in-One Accounts of the customer group to meet various currency clearing needs; the virtual core system is used to establish direct connection channels for all intra-bank systems involved in transactions to avoid payment intermediaries intervening in transactions; the peer-to-peer transaction module is used to directly operate the bank's internal customer accounts, including debiting the remitter's account and crediting the payee's account; the distributed accounting module is used for both banks participating in the transaction. Distributed bookkeeping, to avoid banks opening multiple currency accounts to each other, so as to reduce capital occupation and circulation.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 1, wherein the smart contract module comprises an automatic deduction contract module, an automatic account entry contract module, a wealth management custody contract module, and a foreign exchange refund contract module , supervision contract module, access contract module, authority allocation contract module, overdraft contract module, and violation penalty contract module; the automatic debit contract module is located at the payment originator, and is used to check whether the remittance information meets the conditions for automatic deduction; all The automatic account entry contract module is set at the payment receiving end, and is used for automatic account entry operation when the transaction information is transmitted to the payee; the wealth management custody contract module is used for the wealth management custody operation; the foreign exchange refund contract module is used for refund foreign exchange operation; the supervision contract module is set at the payment review terminal to allow the execution of transactions that meet the supervision requirements; the overdraft contract module is used for transaction overdraft operations; the access contract module is used to write the access to participate in the transaction standards and requirements; the authority assignment contract module is used to write the authority assignment rules of the banks participating in the transaction; the overdraft contract module is used for transaction overdraft operations; the violation penalty contract is used to penalize transaction violations.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 4, wherein the system access module comprises a bank access module, a customer access module, an authority allocation module, a regular recheck module, Exit mechanism module; the bank access module is used to consider whether to participate in the transaction according to the transaction access standards and requirements written in the access contract module and according to the qualifications, ratings, scale and reputation factors of the banks participating in the transaction The bank joins the cross-border clearing and settlement system; the customer access module is used for the transaction access standards and requirements written in the access contract module, according to the business customers of the enterprise customers and the individual customers participating in the transaction. Considering the background information and the local policies and regulations of the corporate customer and the individual customer, whether to allow the corporate customer and the individual customer involved in the transaction to join the cross-border clearing and settlement system; the authority assignment module is used for According to the authority assignment contract module, the authority of the bank participating in the transaction is allocated; the periodic rechecking module is used to periodically start the rechecking procedure for the bank participating in the transaction, the enterprise customer and the individual customer to check whether the transaction is There is a violation; the exit mechanism is used to initiate an exit procedure for the involved bank, the corporate customer and the individual customer for major violations detected by the periodic rechecking module.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 1, wherein the data storage module comprises a HASH algorithm module, a transaction data block module, and a distributed storage module, and the HASH algorithm module uses In order to transmit data using the HASH algorithm, the transaction data block module is used to establish a transaction database, and the distributed storage module is used to store data in a distributed manner.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 1, wherein the cross-border clearing and settlement system is based on a bank account.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 7, wherein the cross-border clearing and settlement system adopts digital signature and asymmetric encryption algorithm in the process of payment transaction information flow, and only remittance Persons, regulatory authorities and designated payees hold keys, effectively ensuring the security of payment transaction information.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 8, wherein each cross-border payment transaction of the cross-border clearing and settlement system triggers a bank that is opened by the remitter and the remitter. , a consortium chain composed of the supervisory department of the remittance place, the supervisory department of the monetary authority, the supervisory department of the remittance place, the payee, the payee's bank, etc. The cross-border clearing and settlement system broadcasts the data generated by each node in the form of broadcast. The block data is released to other nodes on the chain synchronously to realize the free interaction of transaction information among participating nodes, and in each operation link, each node will be given different permissions, including transaction processing permissions and information access permissions.
The smart supply chain blockchain BaaS cross-border digital payment platform according to claim 4, wherein the contract content and trigger mechanism included in the smart contract module are formulated by the bank alliance and written in the form of code In the cross-border clearing and settlement system, once the transaction meets the trigger conditions, the contract will be automatically executed, and external factors cannot interfere.