WO2022100078A1 - Plate-forme de paiement numérique transfrontalier baas à chaîne de blocs pour chaîne d'approvisionnement intelligente - Google Patents

Plate-forme de paiement numérique transfrontalier baas à chaîne de blocs pour chaîne d'approvisionnement intelligente Download PDF

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WO2022100078A1
WO2022100078A1 PCT/CN2021/098371 CN2021098371W WO2022100078A1 WO 2022100078 A1 WO2022100078 A1 WO 2022100078A1 CN 2021098371 W CN2021098371 W CN 2021098371W WO 2022100078 A1 WO2022100078 A1 WO 2022100078A1
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module
transaction
cross
border
payment
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PCT/CN2021/098371
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刘天琼
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深圳市爱云信息科技有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll

Definitions

  • 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.
  • 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.
  • SWIFT Society for Worldwide Interbank Financial Telecommunication
  • the automatic information feedback function is added.
  • 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:
  • 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.
  • 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.
  • cash exchange fees may also be involved, and the overall cost is relatively high.
  • 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.
  • 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.
  • SWIFT cross-border payment needs to open accounts between participating banks.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 .
  • 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.
  • 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 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
  • 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
  • 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 compliance check module includes a compliance policy module, a background check module, and a transaction access module
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • cross-border clearing and settlement system is based on a bank account.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 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.
  • FIG. 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.
  • FIG. 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.
  • FIG. 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
  • the domestic exchange bank module is used to integrate the payment channels of domestic exchange banks
  • 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.
  • 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
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the bank 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
  • the bank can provide credit services with an appropriate amount.
  • 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.
  • banks can also provide customers with other traditional financial value-added services such as deposits and wealth management.
  • 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.
  • 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.
  • 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.
  • the compliance check module includes a compliance policy module, a background check module and a transaction access module
  • 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
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • the transaction data block module is used to establish a transaction.
  • Database, distributed storage module is used to store data in a distributed manner.
  • the cross-border clearing and settlement system is based on bank accounts.
  • 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.
  • 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.
  • 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.
  • the customer initiates the remittance.
  • 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.
  • SAFE the Federal Reserve, the Ministry of Justice, the German Federal Financial Supervisory Authority, etc.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the platform will synchronously complete the payee's account entry operation.
  • 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”.
  • 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:
  • the settlement of funds is expedited.
  • the "point-to-point" accounting processing method has the processing efficiency similar to that of intra-bank remittances of various banks.
  • 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.
  • 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.
  • the platform has changed the current traditional bank cross-border remittance transaction information "serial" step-by-step processing method.
  • 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.

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Abstract

La présente invention concerne une plate-forme de paiement numérique transfrontalier BaaS à chaîne de blocs pour une chaîne d'approvisionnement intelligente. La plate-forme comprend un système de compensation et de règlement transfrontalier, un système de canal de fonds, un système commercial, un système financier, un système de transaction et des nœuds. Les nœuds effectuent un échange de données avec le système de compensation et de règlement de bordure croisée, le système de canal de fonds, le système commercial, le système financier et le système de transaction. Grâce à la construction d'une plate-forme de paiement numérique transfrontalier basée sur la technologie de chaîne d'alliance, le problème de faiblesse dans le paiement transfrontalier pour des banques classiques est efficacement résolu.
PCT/CN2021/098371 2020-11-12 2021-06-04 Plate-forme de paiement numérique transfrontalier baas à chaîne de blocs pour chaîne d'approvisionnement intelligente WO2022100078A1 (fr)

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