CN107705113A - A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system - Google Patents
A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a kind of cross-border inter-bank method of payment of the block chain based on Baas frameworks, comprise the following steps：The accounts information of user is imported Cloud Server central. set and preserved using block chain technology by bank, and Cloud Server central. set is that bank sets settlement accounts；User initiates to pay request to the affiliated bank of Send only Account；The affiliated bank of Send only Account will pay request and be sent to Cloud Server central. set, and each Cloud Server in Cloud Server central. set judges that can payment occur centrally through common recognition algorithm；If payment can occur, the remaining sum of Send only Account and the affiliated bank settlement account of Send only Account will be reduced in each Cloud Server center, increase the remaining sum of collecting account and the affiliated bank settlement account of collecting account, and the amount of money decreased or increased is equal to payment.Present invention also offers corresponding payment system.The method of payment does not use third party intermediary, but is traded by server-centric, realizes the reduction of cross-border inter-bank payment cost and the raising of service quality.
Description
Technical field
The present invention relates to financial field, more particularly to a kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and
System.
Background technology
Nowadays, ecommerce is progressively from localization to development of globalization, and global fund is transferred accounts also with complete
The process of nodularization and it is frequent all the more.In this case, the inter-bank under cross-border, which is paid, becomes important all the more, can help user and business
Family is directly traded, convenient to be done shopping, consumed in the whole world, and compared to the shopping intermediary by local, directly carries out
Transaction can either improve shopping category, can also ensure commercial quality, facilitate after-sale service.Therefore, how to realize easily across
Border inter-bank, which is paid, has become urgent problem to be solved.
The solution used at present is by third party intermediary.Consider a scene, Chinese first is by oneself A bank card
In 100 yuan of second for going to the U.S. B bank cards in, wherein A, B Liang Jia banks do not cooperate directly.Go out in third party intermediary
Before existing, the business can not perform, it is desirable to realize payment behavior can only both sides handle same bank or there is cross-border inter-bank service
Bank bank card；After third party intermediary occurs, as long as the intermediary and A, B Liang Jia banks have all handled related service, just
It can realize.Money is given to from account by C by A banks, tells C oneself remittance object, C changes money into foreign exchange and is given to second in B
Account.Thus the function of transferring accounts finally is realized.
Following problem be present in this set solution.First, third party intermediary needs have suitable qualification and credit,
Only in this way, each bank can just cooperate with it, and the access threshold that this results in corresponding with service is high, volume of services relative scarcity.Second,
Due to introducing third party intermediary, payment cost inevitably rises, and is influenceed for the less situation of number very big.3rd,
Poor expandability, bank and third party both sides need early investment great effort come the details for the service of formulating, with participating banks
Increase, the maintenance cost of third party intermediary rises, and pressure increases.4th, transfer accounts in the presence of delay, third party in order to cost-effective,
The payment of small amount is usually to be settled accounts after packing in the set time, and this results in the delay of account, a cross-border payment transaction
A couple of days may be consumed.In ecommerce, the experience for so bringing client is poor.5th, because data are not common, ensure to hand over
The uniformity difficulty of easy data is larger, and a single cross at paying bank, third party intermediary, receiving bank easily, it is necessary to all leave note
Record, at regular intervals, when bank arranges to All Activity, it is contemplated that frequent and in extensive range, the cost of transaction
It is very high, and because data are not common, there is a problem once transferring accounts, it is desirable to the problem of tracing becomes cumbersome, it is necessary to two
Bank and third party participate in, and for the penny ante of enormous amount, it is common to go wrong, for bank and third party
For cost be also very high.
The content of the invention
It is an object of the invention to provide a kind of cross-border inter-bank method of payment of the block chain based on Baas frameworks, this method is not
Using third party intermediary, but Cloud Server center mode covering the whole world is used, bank will give cloud after depositor's data processing
Server-centric, it is traded by server-centric, wherein server-centric ensures depositor's data peace using block chain technology
Entirely, transaction record can reliably be inquired about, and for bank provide easily inquiry service, realize cross-border inter-bank payment cost reduction and
The raising of service quality.
A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks, comprises the following steps：
(1) accounts information of user is imported Cloud Server central. set and preserved using block chain technology, cloud by bank
Server-centric group is that bank sets settlement accounts；
(2) user initiates to pay request to the affiliated bank of Send only Account；
(3) the affiliated bank of Send only Account will pay request and be sent to Cloud Server central. set, in Cloud Server central. set
Each Cloud Server judges that can payment occur centrally through common recognition algorithm；
(4) if paying to occur, each Cloud Server center will reduce Send only Account and the affiliated bank's knot of Send only Account
Do accounts the remaining sum at family, increase the remaining sum, the amount of money decreased or increased etc. of collecting account and the affiliated bank settlement account of collecting account
In payment.
The present invention using rear end i.e. service Baas frameworks, bank need not in the maintenance of data input cost, Jin Jinxu
Import data to Cloud Server center can and provide a user cross-border inter-bank payment services.
Step (1) is the initialization of data, and bank imports data to Cloud Server central. set, while ensures in Cloud Server
It is in heart group so Cloud Server central store portion identical data backup.
Cloud Server central. set includes all Cloud Server centers in global range.
Step (1) includes：
(1-1) bank selects a Cloud Server center as importing center in Cloud Server central. set, by user's
Accounts information is imported, and the data storage of importing is set clearing account by the importing center in de- chain database, while for the bank
Family；
The accounts information includes account and remaining sum；
(1-2) bank carries out data consistency checking, if the two data is inconsistent, return to step (1-1) with importing center
Again data are imported to the center of importing；If the two data is consistent, enter in next step；
The method of data consistency checking is：
The accounts information in bank and importing center is subjected to piecemeal respectively, cryptographic Hash is calculated by SHA256 algorithms, if
The cryptographic Hash of the two is different, then the two data is inconsistent；Conversely, then the two data is consistent.
(1-3) imports center by remaining Cloud Server center in the data syn-chronization of importing to Cloud Server central. set；
(1-4) imports center and carries out data consistency checking with remaining Cloud Server center, if data are inconsistent, returns to step
Suddenly (1-3) re-synchronization data；If data are consistent, into step (2)；
The method of data consistency checking is：
The accounts information in the center of importing and remaining Cloud Server center is subjected to piecemeal respectively, passes through SHA256 algorithm meters
Cryptographic Hash is calculated, if the cryptographic Hash of the two is different, the two data is inconsistent；Conversely, then the two data is consistent.
Step (2) includes：User initiate to pay to the affiliated bank of Send only Account the account of asking and provide Send only Account and
Password, whether account and password match described in the affiliated bank validation of Send only Account, if mismatching, prompt user cipher mistake；
If matching, into step (3).
Payment request information is sent to Cloud Server central. set by step (3) affiliated bank of Send only Account, in Cloud Server
Central. set judges that can payment occur using span centre heart common recognition algorithm.Can payment occur mainly in terms of two to be judged：
First, realizing the judgement of information source correctness by signature, second, judging the correctness of payment itself, pass through each cloud service
Device center takes off the data in chain database, and detection collecting account whether there is, and whether Send only Account remaining sum is sufficient.
Step (3) includes：
During the affiliated bank of (3-1) Send only Account selects a Cloud Server center as receiving in Cloud Server central. set
The heart, the center that receives receive and after the payment request information of the affiliated bank's transmission of encrypted payment account, transfer to Cloud Server center
Remaining each center in group；
Paying the information of request includes：Paying bank's information, Send only Account, payment, collecting account and receiving bank
Information.
Encryption method is：After its center numbering is attached to payment request information by reception center, entered with own private key
Row encryption forms signature.
Reception center will sign, its center numbering is sent to remaining each center after being attached to payment request.
(3-2) remaining each center is confirmed after paying the authenticity in request source, judges that can payment occur, and will determine that
As a result broadcasted in Cloud Server central. set；The judged result that paying to occur is yes, and the judged result that paying to occur is
It is non-；
Remaining each authenticity that payment request source is judged centrally through the correctness for verifying signature.
After the authenticity for paying request source is verified, judge that can payment occur in itself, main checking gathering account
Family whether there is, whether Send only Account remaining sum is enough.If collecting account is present, Send only Account remaining sum is enough, judged result is
It is；If collecting account be not present or Send only Account Sorry, your ticket has not enough value, judged result is non-.
(3-3) each Cloud Server center statistics judged result, when judged result is to be or is non-Cloud Server center
When number exceedes the half of calculation in total Cloud Server, using the judged result as final result；
(3-4) carries out data syn-chronization between Cloud Server center, make the judged result at each Cloud Server center with it is final
As a result it is consistent；
Specifically include following steps：
If (i) judged result at Cloud Server center and final result are inconsistent, the Cloud Server center is in cloud service
Broadcast data synchronization request in device central. set；Statistics synchronization request number；
(ii) when data synchronization request number is less than predetermined threshold value, the center of broadcast data synchronization request voluntarily selects one to sentence
The disconnected result center consistent with final result carries out data syn-chronization；
When data synchronization request number is more than or equal to predetermined threshold value, carried out in Cloud Server central. set between all centers
Data syn-chronization.
Method of data synchronization between all centers is：Piecemeal is carried out to the data at each Cloud Server center and passed through
SHA256 algorithms calculate cryptographic Hash, and cryptographic Hash is broadcasted in Cloud Server central. set, and each Cloud Server center is to breathing out
Uncommon value is counted, and selects the data corresponding to the most cryptographic Hash of quantity to be synchronized between center.
Data syn-chronization between all centers is directed to de- chain database and Operation Log block chain and carried out respectively.
If the judged result at each Cloud Server center is consistent with final result, data syn-chronization is not needed.
The data at each Cloud Server center unanimously enter in next step afterwards.
(3-5) pays failure if final result is non-；
If final result is yes, Send only Account and the affiliated bank settlement account of Send only Account are reduced in each Cloud Server center
The remaining sum at family, increases the remaining sum of collecting account and the affiliated bank settlement account of collecting account, and the amount of money decreased or increased is equal to branch
Pay the amount of money；By operation log recording on the block chain at Cloud Server center；
(3-6) Cloud Server central. set returns to the affiliated bank of Send only Account and pays failure result；
Or Cloud Server central. set returns to operational order to bank, bank data is changed.
The invention also discloses a kind of cross-border inter-bank payment system of the block chain based on Baas frameworks, including：
Client layer, sent to bank and pay request, receive payment result；
Bank's layer, receive the payment that client layer is sent and ask and be transmitted to Cloud Server layer；
Cloud Server layer, including Operation Log block chain and the de- chain database of storage user account information；Receive and pay
Solicited message, judge that can payment occur by algorithm of knowing together；
If paying can occur, progress delivery operation and by operation note such as Operation Log block chain, by delivery operation knot
Fruit returns to bank's layer；
If payment can not occur, failure is paid to bank's layer feedback.
User needs to apply for that special account is used for cross-border inter-bank and paid in bank, all operations of the account pass through it is above-mentioned across
Border inter-bank method of payment is carried out.
For bank's layer, what each bank needed to store is the account of itself all user and corresponding password, can be with
Select remaining sum situation of the information for any user account, the trading situation of storage.Interbank does not need special communication, only with cloud
Server-centric interacts.Bank receives the relevant information paid from client layer, directly invokes the interface of Cloud Server layer offer, no
Immediate operand evidence, returning result is obtained from Cloud Server layer, returns to user's accordingly result.Bank can be according to itself fund
Situation selects flexible scheme, can obtain all account informations to carry out correlation analysis, and fetching portion can also be selected silver-colored
The data of row user.
Preferably, Cloud Server layer services Baas frameworks using rear end, only service interface is provided to bank's layer；Bottom
Details do not open to the outside world.
Described service interface supports import operation, inquiry operation, delivery operation.
Import operation receives all primary datas of bank, and inquiry operation supports operation note inquiry, account inquiries etc., branch
Pay operation and receive corresponding operating parameter, returning result.
There is the numbering of determination at each center of Cloud Server layer, has unique a pair of public keys and private key to be used between center
Communication.
Compared with the existing cross-border inter-bank using third party intermediary is paid, beneficial effects of the present invention are：
First, present invention employs Baas frameworks.It is that the advantage serviced is to significantly reduce bank's cost using rear end,
By the present invention, bank realizes that cross-border inter-bank service does not need extra cost, it is only necessary to is supplied to Cloud Server center corresponding
Data, the maintenances of data do not need bank to participate in, meanwhile, this accelerates the speed that new bank adds again.As long as pass through
Examination ＆ verification, service can be just provided at once after importing data to, it is no longer necessary to the preliminary preparations such as deploying servers are gone, service
Details also no longer needs to discuss one by one.
Secondly, the result of transfer of payment is greatly speeded up.Due to, as the node in block chain, being saved using Cloud Server center
The quantity of point is less, and the speed for auditing transaction is very fast, by means of bank settlement account, can be realized substantially in real time
To account.For third party the intermediary easily used time of a couple of days, Consumer's Experience can be described as being obviously improved.
In addition, using the technical scheme of block chain, the consistent performance of data accesses guarantee.And statistical work of merchandising will
No longer needing to participate in many ways, it is only necessary to Cloud Server center is counted, and by corresponding statistical result interface opening to bank
.In the present invention, once operation goes wrong, due to characteristic disclosed in all records of block chain, any bank is all
Relevant information that can be by Cloud Server center finding to any transaction, debugging cost can also reduce.
Brief description of the drawings
Fig. 1 is the structural representation of the cross-border inter-bank payment system of block chain based on Baas frameworks；
Fig. 2 is the schematic flow sheet of data initialization；
Fig. 3 is the schematic flow sheet of delivery operation；
Fig. 4 is the schematic flow sheet of common recognition algorithm.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.
As shown in figure 1, the cross-border inter-bank payment system of block chain based on Baas frameworks, including three layers：
One layer is client layer.User needs the cross-border inter-bank payment accounts in bank's application-specific to be used to pay, the account
All operations need to realize by the present invention.User can apply being propped up by special cross-border inter-bank payment accounts to bank
Pay and pay, receive payment result.
One layer is bank's layer.What each bank needed to store be the account of itself all user, corresponding password and
Remaining user profile, remaining sum situation of the information for any user account, the trading situation of storage can be selected.Interbank is not required to
Special communication is wanted, is only interacted with Cloud Server center.Bank receives the relevant information paid from client layer, directly invokes cloud clothes
The interface that business device layer provides, immediate operand evidence, does not obtain returning result from Cloud Server layer and returns the user that feeds.Bank can
Flexible scheme is selected according to itself financial condition, all account informations can be obtained to carry out correlation analysis, can also be selected
Select the data of fetching portion bank-user.
One layer is Cloud Server layer.The layer services Baas frameworks using rear end, and the details of bottom is not opened to the outside world, only carried
For the related interface of service.Wherein, there is provided interface include import operation, inquiry operation, delivery operation.Import operation receives silver
All primary datas of row, inquiry operation support operation note inquiry, account inquiries etc., and delivery operation receives corresponding operating ginseng
Number, returning result.The backup of a de- chain database of each central store and Operation Log block chain.Wherein de- chain database bag
Brief data storehouse and the bank settlement account database of all accounts are included, Operation Log block chain is entirely using block chained record
The Operation Log of system, Operation Log is record on each block.There is the numbering of determination at each center, there is unique a pair of public affairs
The communication that key and private key are used between center.
A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks, comprises the following steps：
(1) data initialization, as shown in Fig. 2 specific as follows：
(1-1) draw bank selects the Cloud Server center imported for data.Draw bank considers distance, traffic, led to
The factors such as letter, one is selected from Cloud Server central. set, the object imported as data；
(1-2) draw bank imports data to selected Cloud Server center.The data imported are the bank account of user
And the key-value pair that the bank account balances are formed.The selected Cloud Server center will import data storage in de- chain database
In, while the selected Cloud Server center is that the draw bank sets settlement accounts, for handling the account settlement business of interbank.Branch
Pay bank and be necessary to ensure that the settlement accounts remaining sum of itself is in certain threshold value.
(1-3) draw bank and the selected Cloud Server center carry out data consistency checking.Pass through SHA256 algorithms point
Not Ji Suan draw bank imports the cryptographic Hash of data and selected Cloud Server center receives the cryptographic Hash of data, if Hash
There is difference in value, illustrate that data value has difference, it is necessary to which return to step (1-2) imports data again；If the complete phase of cryptographic Hash
Together, it is believed that record it is identical, into next step operate.Its cryptographic Hash can will be calculated after deblocking, accelerates verifying speed.
(1-4) is by the importing data syn-chronization at selected Cloud Server center to remaining Cloud Server center.
The selected Cloud Server center of (1-5) checking and the uniformity of remaining Cloud Server centre data.Method and step (1-
3) it is similar, judge the cryptographic Hash of remaining Cloud Server centre data and selected Cloud Server centre data cryptographic Hash whether one
Cause, if it is inconsistent, inconsistent center is again from selected Cloud Server central synchronous data.When all Cloud Server centers
After data are all consistent, in this way it is ensured that the data of each child node are consistent when system comes into operation.
(2) payment flow, as shown in figure 3, specifically including：
(2-1) user to paying bank initiate pay request, to paying bank provide payment account number, payment account number password,
Payment, shroff account number, receiving bank's information.Account of participating in business need to be the special account of the present invention, and all operations need to pass through
Bank calls back end interface to complete, it is impossible to is individually completed by a certain bank operations.
After (2-2) paying bank receives user's payment request, pass through stored detailed data storehouse and verify account and password
Whether match.If it does not match, prompting user cipher mistake.If it does, then the Cloud Server center conduct of selection nearby
Reception center, request will be paid and be sent to reception center, the process is realized by the interface of invoking server layer.
After bank sends to Cloud Server center nearby pays request, if the center is not beamed back within a certain period of time
Feed back, then bank judges that the center is malfunctioned, and request is resend after more switching center9.If center normal operation, it will under entrance
One step.
After (2-3) reception center receives request, by knowing together, algorithm is verified to payment request information, is determined following
Operation.
As shown in figure 4, specifically include following steps：
(a) reception center the center number of itself can be attached to payment request information (including paying bank's information, payment
Account, payment, shroff account number, receiving bank's information) after, it is encrypted to form signature with own private key encryption, by life
Into signature, the center number of itself be attached to payment request information) after, be sent to remaining all center；
(b) remaining all center can judge the authenticity of information source first after information is received, and mainly pass through checking
The correctness of digital signature is realized.After the authenticity verification in source, it will judge that can payment occur in itself, main checking is received
Money account whether there is, and whether Send only Account remaining sum is enough.If the information source received is true, collecting account exists and paid the bill
Account balance is sufficient, then judged result is yes, and otherwise, judged result is non-.
No matter judged result is to be or is non-, and each center can all broadcast the judged result of itself.Broadcast message is by connecing
Payment request information, the center number of itself, judged result, the digital signature of own private key encryption generation received forms.Extensively
All centers will be sent to by broadcasting information.
(c) each center will count each judged result for paying request.
When the broadcast that some Cloud Server center receives remaining center judges information, letter will be judged by signing first
The authenticity in source is ceased, if by the way that its judged result can be counted.When judged result is to be or is that non-middle calculation exceedes always
During the half of middle calculation, this is exceeded into the judged result of head center's number half as final result.
Because different center arithmetic speeds have differences, may the two be not up to half, at this moment center will enter etc.
Treat state.Meanwhile center is that each single item pays request and sets regular hour threshold value, reach directly to not receiving it after threshold value
The center of judged result sends the request for returning to its judged result.
(2-4) illustrates the data at the center if the judged result and final result at some Cloud Server center are inconsistent
Uniformity is destroyed.Center broadcasts request carries out the data syn-chronization between a subcenter.
When data synchronization request number be less than pre-set threshold value when, ask centering voluntarily select itself a certain judged result with
The consistent center of final result carries out data syn-chronization；After data synchronization request exceedes threshold value, it is necessary to carry out all centers between
Data syn-chronization.
Method of data synchronization between all centers is：Data in each center are subjected to piecemeal, pass through SHA256 algorithms
Calculate cryptographic Hash and broadcasted cryptographic Hash in Cloud Server central. set, then Cloud Server central. set is entered to cryptographic Hash
Row statistics, calculates that how many Cloud Server center of each cryptographic Hash is transmitted across, the selection wherein most cryptographic Hash institute of quantity
Corresponding data syn-chronization is to all centers.
Data syn-chronization is directed to de- chain database and Operation Log block chain and carried out respectively.
(2-5) performs corresponding operating after the judged result at all centers is unified into final result.
If final result is yes, each center performs operation：Including into block, reducing and paying operation log recording
Money account balance, increase collecting account remaining sum, reduce paying bank's settlement accounts remaining sum, increase more than receiving bank's settlement accounts
Volume.The amount of money increased or decreased is equal to payment.After the completion of execution, Cloud Server central. set can select according to factors such as distances
Suitable center returns to operational order to bank, changes bank data, and bank can also notify user to pay successfully.
If final result is non-, Cloud Server central. set can select suitable center to bank according to factors such as distances
Return and pay failure result.
Claims (10)
1. the cross-border inter-bank method of payment of a kind of block chain based on Baas frameworks, it is characterised in that comprise the following steps：
(1) accounts information of user is imported Cloud Server central. set and preserved using block chain technology, cloud service by bank
Device central. set is that bank sets settlement accounts；
(2) user initiates to pay request to the affiliated bank of Send only Account；
(3) the affiliated bank of Send only Account will pay request and be sent to Cloud Server central. set, each in Cloud Server central. set
Cloud Server judges that can payment occur centrally through common recognition algorithm；
(4) if paying to occur, each Cloud Server center will reduce Send only Account and the affiliated bank settlement account of Send only Account
The remaining sum at family, increases the remaining sum of collecting account and the affiliated bank settlement account of collecting account, and the amount of money decreased or increased is equal to branch
Pay the amount of money.
2. the cross-border inter-bank method of payment of block chain according to claim 1, it is characterised in that step (1) includes：
(1-1) bank selects a Cloud Server center as importing center in Cloud Server central. set, by the account of user
Information is imported, and the data storage of importing is set settlement accounts by the importing center in de- chain database, while for the bank；
(1-2) bank carries out data consistency checking with importing center, if the two data is inconsistent, return to step (1-1) is again
Data are imported to the center of importing；If the two data is consistent, enter in next step；
(1-3) imports center by remaining Cloud Server center in the data syn-chronization of importing to Cloud Server central. set；
(1-4) imports center and carries out data consistency checking, if data are inconsistent, return to step with remaining Cloud Server center
(1-3) re-synchronization data；If data are consistent, into step (2).
3. the cross-border inter-bank method of payment of block chain according to claim 2, it is characterised in that in step (1-2), data one
Cause property checking method be：The accounts information in bank and importing center is subjected to piecemeal respectively, calculated by SHA256 algorithms
Cryptographic Hash, if the cryptographic Hash of the two is different, the two data is inconsistent；Conversely, then the two data is consistent；
In step (1-4), the method for data consistency checking is：Respectively by the account at the center of importing and remaining Cloud Server center
Information carries out piecemeal, and cryptographic Hash is calculated by SHA256 algorithms, if the cryptographic Hash of the two is different, the two data is inconsistent；Instead
It, then the two data is consistent.
4. the cross-border inter-bank method of payment of block chain according to claim 1, it is characterised in that step (3) includes：
The affiliated bank of (3-1) Send only Account selects a Cloud Server center as reception center in Cloud Server central. set,
After the payment request information that reception center receives and the affiliated bank of encrypted payment account sends, transfer in Cloud Server central. set
Remaining each center；
(3-2) remaining each center is confirmed after paying the authenticity in request source, judges that can payment occur, and will determine that result
Broadcasted in Cloud Server central. set；The judged result that paying to occur is yes, and the judged result that paying to occur is non-；
(3-3) each Cloud Server center statistics judged result, when judged result is to be or is that calculation surpasses in non-Cloud Server
When crossing the half of calculation in total Cloud Server, using the judged result as final result；
(3-4) carries out data syn-chronization between Cloud Server center, makes the judged result and final result at each Cloud Server center
Unanimously；
(3-5) pays failure if final result is non-；
If final result is yes, Send only Account and the affiliated bank settlement account of Send only Account are reduced in each Cloud Server center
Remaining sum, increase the remaining sum of collecting account and the affiliated bank settlement account of collecting account, the amount of money decreased or increased, which is equal to, pays gold
Volume；By operation log recording on the block chain at Cloud Server center；
(3-6) Cloud Server central. set returns to the affiliated bank of Send only Account and pays failure result；
Or Cloud Server central. set returns to operational order to bank, bank data is changed.
5. the cross-border inter-bank method of payment of block chain according to claim 4, it is characterised in that step (3-4) specifically includes
Following steps：
If (i) judged result at Cloud Server center and final result are inconsistent, the Cloud Server center is in Cloud Server
Broadcast data synchronization request in heart group；Statistics synchronization request number；
(ii) when data synchronization request number is less than predetermined threshold value, the center of broadcast data synchronization request voluntarily selects a judgement knot
The fruit center consistent with final result carries out data syn-chronization；
When data synchronization request number is more than or equal to predetermined threshold value, the data between all centers are carried out in Cloud Server central. set
It is synchronous.
6. the cross-border inter-bank method of payment of block chain according to claim 5, it is characterised in that the data between all centers are same
One step process is：Piecemeal is carried out to the data at each Cloud Server center and cryptographic Hash is calculated by SHA256 algorithms, by cryptographic Hash
Broadcasted in Cloud Server central. set, each Cloud Server center counts to cryptographic Hash, selects the most Kazakhstan of quantity
The corresponding data of uncommon value synchronize between center.
7. the cross-border inter-bank method of payment of block chain according to claim 6, it is characterised in that the data between all centers are same
Step is carried out respectively for de- chain database and Operation Log block chain.
A kind of 8. cross-border inter-bank payment system of block chain based on Baas frameworks, it is characterised in that including：
Client layer, sent to bank and pay request, receive payment result；
Bank's layer, receive the payment that client layer is sent and ask and be transmitted to Cloud Server layer；
Cloud Server layer, including Operation Log block chain and the de- chain database of storage user account information, receive and pay request
Information, judge that can payment occur by algorithm of knowing together；
If paying can occur, delivery operation result is returned in progress delivery operation and by operation note such as Operation Log block chain
Back to bank's layer；
If payment can not occur, failure is paid to bank's layer feedback.
9. the cross-border inter-bank payment system of block chain according to claim 8, it is characterised in that Cloud Server layer uses rear end
Baas frameworks are serviced, only provide service interface to bank's layer.
10. the cross-border inter-bank payment system of block chain according to claim 9, it is characterised in that described service interface branch
Hold import operation, inquiry operation, delivery operation.
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