CN108921531A - Cross-border payment and settlement method based on block chain payment system - Google Patents
Cross-border payment and settlement method based on block chain payment system Download PDFInfo
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- CN108921531A CN108921531A CN201810670725.XA CN201810670725A CN108921531A CN 108921531 A CN108921531 A CN 108921531A CN 201810670725 A CN201810670725 A CN 201810670725A CN 108921531 A CN108921531 A CN 108921531A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention discloses the cross-border payment and settlement methods based on block chain payment system, including multiple finance services, this programme is based on block chain technology, industry block chain refers to by specifying the node of multiple pre-selections for book keeping operation people inside some group, each piece of generation is codetermined by all preselected nodes, other access nodes can participate in business, but keep aloof from accounting procedure.In the present solution, solving the problem of that financial institution different in cross-border transaction settles accounts exchange rate difference and not necessarily settled accounts in strict accordance with the real-time international exchange rate by establishing exchange rate priority list.Solve to establish a capital since different access mechanisms is different and be exchanged in strict accordance with the international exchange rate, transaction when initiator will lead to Fail Transaction with the recipient's exchange rate difference the problem of.
Description
Technical field
The present invention relates to a kind of settlement methods, and in particular to the cross-border payment and settlement method based on block chain payment system.
Background technique
Cross-border clearing refer to that import and export enterprise from using local currency L/C in addition to switching to using nonlocal confidence in the currency card
Except do not have apparent feeling, really variation be between local and overseas banks backstage clearing part.For example, China certain
Export enterprise can require RMB to settle accounts, overseas buyer then issues the people in paying bank with overseas buyer's negotiations process
The coin letter of credit, subsequent negotiating bank notify buyer, are only delivery later, receive, bank settlement etc..
Business bank carries out cross-border account settlement business, and there are two types of operation modes, i.e. proxy mode and clearance mode.So-called agency
Mode is primarily referred to as the middle money row commission foreign capitals row agency overseas as its, and overseas enterprise opens in the consignment store of China-invested enterprise
If the mode of RMB account；And clearing mode is mainly to carry out between branch bank in finger in the domestic head office of middle money row and overseas
Business, i.e. overseas enterprise overseas open up RMB account in middle money row in lines.
Existing cross-border payment and settlement backstage is complex, and data volume is larger, can only generally be tied by bank to bank
It calculates, it is more inconvenient.Simultaneously as different establish a capital of different access mechanisms is exchanged in strict accordance with the international exchange rate, therefore, handing over
Initiator will lead to Fail Transaction with the recipient's exchange rate difference when easily.
Summary of the invention
The technical problem to be solved by the present invention is to establish a capital since different access mechanisms is different in strict accordance with the international exchange rate
It is exchanged, therefore, in transaction, initiator will lead to Fail Transaction, and it is an object of the present invention to provide based on area with recipient's exchange rate difference
The cross-border payment and settlement method of block chain payment system, solution are established a capital since different access mechanisms is different in strict accordance with the international exchange rate
Exchanged, therefore, transaction when initiator will lead to Fail Transaction with the recipient's exchange rate difference the problem of.
The present invention is achieved through the following technical solutions：
Cross-border payment and settlement method based on block chain payment system, including multiple finance services, further include following
Step：
A, the payment system based on industry block chain is established, each financial institution is located at block chain as independent node
On, specify multiple nodes for book keeping operation people by all nodes of industry block chain；The exchange rate established between each financial institution is preferential
Grade inventory；
B, when generating transaction data, the node for initiating transaction initiates to request according to the exchange rate of oneself, and request creation one is new
Transaction data block, which is broadcast to all book keeping operation people on block chain by industry block chain；
C, the exchange rate priority list established in book keeping operation people's read step A verifies the transaction data block of request,
Whether correct the exchange rate is judged, if correctly, entering step E, otherwise entering step D；
D, refuse the request of step B, send error message to the node for initiating transaction, the node for initiating transaction, which is read, to be received
The exchange rate of the node of transaction initiates request, request one new transaction data block of creation, industry area according to the exchange rate read
Block chain is transferred to step C after the transaction data block is broadcast to all book keeping operation people on block chain；
E, transaction data block is added on the main chain of industry block chain by the node for initiating request.
This programme is based on block chain technology, and industry block chain refers to by specifying inside some group the node of multiple pre-selections to be
Keep accounts people, and each piece of generation is codetermined by all preselected nodes, other access nodes can participate in business, but keep aloof from
Accounting procedure.In the present solution, solving financial institution's clearing remittance different in cross-border transaction by establishing exchange rate priority list
The problem of rate is different, is not necessarily settled accounts in strict accordance with the real-time international exchange rate.
The common recognition mechanism of the book keeping operation people uses DPoS mechanism.Number of nodes is further reduced to 101 by DPoS mechanism,
Under the premise of guaranteeing network security, the energy consumption of whole network is further decreased, and network operation cost is minimum.DPoS mechanism is more
Decentralization.DPoS mechanism also possesses confirmation speed faster.Each piece of time is 10 seconds, and a data exchange is to get arriving
6-10 confirms that the period of complete 101 block, probably it is only necessary to 16 minutes general 1 minute.And PoW mechanism generates one
A block needs 10 minutes, and one time data exchange needs 1 hour.PoS mechanism confirms that a transaction is probably also required to 1 hour.
Since the transaction persistence time of PoW mechanism and PoS mechanism is longer, and the exchange rate is real-time fluctuations, it is therefore desirable to shorter transaction
Time.
The information recorded in the transaction data block include transaction initiator, transaction recipient, promoter's amount of currency,
Recipient's amount of currency, the exchange rate and timestamp.
The method verified in the step C includes the following steps：
The exchange rate priority list established in C1, book keeping operation people's read step A verifies the transaction data block of request,
Judgement initiates the node of transaction and receives the exchange rate priority of the node of transaction；
C2, the exchange rate information for extracting the higher node of priority in the node for initiating transaction and the node for receiving transaction, sentence
Whether the exchange rate information that the exchange rate information of breaking and the transaction data block requested in step B are recorded is consistent, if unanimously, entering step
Rapid E, otherwise enters step D.
Using the above method, the priority orders for initiating node and recipient node are judged by priority list, are selected excellent
The exchange rate that the mixed rate of the first higher node of grade is traded as this.
Keep accounts in step C the exchange rate priority list established in people's read step A to the transaction data block of request into
It further include the authentication for initiating transaction data block node when row verifying.
The method of the authentication includes the following steps：
F1, password is uniquely verified for each node matching, is proving program by the verifying password package of all nodes；
When F2, the node for generating transaction initiate request, externally input verifying password is sent each note simultaneously by node
Account people；
F3, book keeping operation people verify the verifying password that node is sent by proving program, if remembering in verifying password and proving program
That records is consistent, then by verifying, does not otherwise pass through.It is encrypted by verifying password, effectively improves the safety of this method
Property.
Compared with prior art, the present invention having the following advantages and benefits：
1, the present invention is based on the cross-border payment and settlement method of block chain payment system, block catenary system is relatively simple, is convenient for
It builds；
2, the present invention is based on the cross-border payment and settlement method of block chain payment system, effective solution different financial institution
Between exchange rate different problems；
3, the present invention is based on the cross-border payment and settlement methods of block chain payment system, have independent encrypting module, safety
Property is higher.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below with reference to embodiment, the present invention is made
Further to be described in detail, exemplary embodiment of the invention and its explanation for explaining only the invention, are not intended as to this
The restriction of invention.
Embodiment 1
Cross-border payment and settlement method based on block chain payment system, including multiple finance services, further include following
Step：
A, the payment system based on industry block chain is established, each financial institution is located at block chain as independent node
On, specify multiple nodes for book keeping operation people by all nodes of industry block chain；The exchange rate established between each financial institution is preferential
Grade inventory；
B, when generating transaction data, the node for initiating transaction initiates to request according to the exchange rate of oneself, and request creation one is new
Transaction data block, which is broadcast to all book keeping operation people on block chain by industry block chain；
C, the exchange rate priority list established in book keeping operation people's read step A verifies the transaction data block of request,
Whether correct the exchange rate is judged, if correctly, entering step E, otherwise entering step D；
D, refuse the request of step B, send error message to the node for initiating transaction, the node for initiating transaction, which is read, to be received
The exchange rate of the node of transaction initiates request, request one new transaction data block of creation, industry area according to the exchange rate read
Block chain is transferred to step C after the transaction data block is broadcast to all book keeping operation people on block chain；
E, transaction data block is added on the main chain of industry block chain by the node for initiating request.
This programme is based on block chain technology, and industry block chain refers to by specifying inside some group the node of multiple pre-selections to be
Keep accounts people, and each piece of generation is codetermined by all preselected nodes, other access nodes can participate in business, but keep aloof from
Accounting procedure.In the present solution, solving financial institution's clearing remittance different in cross-border transaction by establishing exchange rate priority list
The problem of rate is different, is not necessarily settled accounts in strict accordance with the real-time international exchange rate.
Embodiment 2
In the present embodiment, further, the common recognition mechanism of the book keeping operation people uses DPoS mechanism.DPoS mechanism is by number of nodes
Amount is further reduced to 101, and under the premise of guaranteeing network security, the energy consumption of whole network is further decreased, the network operation
Cost is minimum.The more decentralization of DPoS mechanism.DPoS mechanism also possesses confirmation speed faster.Each piece of time is 10
Second, a data exchange to get to 6-10 confirmation general 1 minute, the period of complete 101 block probably it is only necessary to
16 minutes.And PoW mechanism generates a block and needs 10 minutes, one time data exchange needs 1 hour.PoS mechanism confirmation one
Transaction is probably also required to 1 hour.Since the transaction persistence time of PoW mechanism and PoS mechanism is longer, and the exchange rate is real-time fluctuations
, it is therefore desirable to shorter exchange hour.
The information recorded in the transaction data block include transaction initiator, transaction recipient, promoter's amount of currency,
Recipient's amount of currency, the exchange rate and timestamp.
The method verified in the step C includes the following steps：
The exchange rate priority list established in C1, book keeping operation people's read step A verifies the transaction data block of request,
Judgement initiates the node of transaction and receives the exchange rate priority of the node of transaction；
C2, the exchange rate information for extracting the higher node of priority in the node for initiating transaction and the node for receiving transaction, sentence
Whether the exchange rate information that the exchange rate information of breaking and the transaction data block requested in step B are recorded is consistent, if unanimously, entering step
Rapid E, otherwise enters step D.
Using the above method, the priority orders for initiating node and recipient node are judged by priority list, are selected excellent
The exchange rate that the mixed rate of the first higher node of grade is traded as this.
Keep accounts in step C the exchange rate priority list established in people's read step A to the transaction data block of request into
It further include the authentication for initiating transaction data block node when row verifying.
The method of the authentication includes the following steps：
F1, password is uniquely verified for each node matching, is proving program by the verifying password package of all nodes；
When F2, the node for generating transaction initiate request, externally input verifying password is sent each note simultaneously by node
Account people；
F3, book keeping operation people verify the verifying password that node is sent by proving program, if remembering in verifying password and proving program
That records is consistent, then by verifying, does not otherwise pass through.It is encrypted by verifying password, effectively improves the safety of this method
Property.
Embodiment 3
A kind of example of the present embodiment for this method, the cross-border payment and settlement method based on block chain payment system, including
Multiple finance services, it is further comprising the steps of：
A, the payment system based on industry block chain is established, each financial institution is located at block chain as independent node
On, specify multiple nodes for book keeping operation people by all nodes of industry block chain；The exchange rate established between each financial institution is preferential
Grade inventory；
B, when node A generates transaction data, node A initiates to request according to the exchange rate X of oneself, request one new friendship of creation
The transaction data block is broadcast to all book keeping operation people on block chain by easy data block, industry block chain；
The exchange rate priority list established in C1, book keeping operation people's read step A verifies the transaction data block of request,
Judgement initiates the node A of transaction and receives the exchange rate priority of the node B of transaction；
C2, the exchange rate information for extracting the higher node of priority in the node for initiating transaction and the node for receiving transaction are section
The exchange rate X of point A, the exchange rate information X for judging that the transaction data block requested in the exchange rate information and step B is recorded is consistent, enters
Step E；
D, refuse the request of step B, send error message to the node for initiating transaction, the node for initiating transaction, which is read, to be received
The exchange rate of the node of transaction initiates request, request one new transaction data block of creation, industry area according to the exchange rate read
Block chain is transferred to step C after the transaction data block is broadcast to all book keeping operation people on block chain；
E, transaction data block is added on the main chain of industry block chain by the node for initiating request.
Embodiment 4
The present embodiment and the difference of embodiment 3 are, step C2, extract the node for initiating transaction and the node for receiving transaction
The exchange rate information of the middle higher node of priority is the exchange rate Y of node B, judges the transaction requested in the exchange rate information and step B
The exchange rate information X that data block is recorded is inconsistent, enters step D；
D, refuse the request of step B, send error message to the node A for initiating transaction, the node A reading for initiating transaction connects
The exchange rate Y for receiving the node B of transaction initiates request according to the exchange rate Y read, requests one new transaction data block of creation,
Industry block chain is transferred to step C after the transaction data block is broadcast to all book keeping operation people on block chain；
E, transaction data block is added on the main chain of industry block chain by the node for initiating request.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects
It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention
Protection scope, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should all include
Within protection scope of the present invention.
Claims (6)
1. the cross-border payment and settlement method based on block chain payment system, including multiple finance services, which is characterized in that also
Include the following steps：
A, the payment system based on industry block chain is established, each financial institution is located on block chain as independent node, by
All nodes of industry block chain specify multiple nodes for book keeping operation people；The exchange rate priority established between each financial institution is clear
It is single；
B, when generating transaction data, the node for initiating transaction initiates to request according to the exchange rate of oneself, request one new friendship of creation
The transaction data block is broadcast to all book keeping operation people on block chain by easy data block, industry block chain；
C, the exchange rate priority list established in book keeping operation people's read step A verifies the transaction data block of request, judges
Whether the exchange rate is correct, if correctly, entering step E, otherwise entering step D；
D, refuse the request of step B, send error message to the node for initiating transaction, the node for initiating transaction, which is read, receives transaction
Node the exchange rate, request, request one new transaction data block of creation, industry block chain are initiated according to the exchange rate that reads
Step C is transferred to after the transaction data block is broadcast to all book keeping operation people on block chain；
E, transaction data block is added on the main chain of industry block chain by the node for initiating request.
2. the cross-border payment and settlement method according to claim 1 based on block chain payment system, which is characterized in that described
The common recognition mechanism of book keeping operation people uses DPoS mechanism.
3. the cross-border payment and settlement method according to claim 1 based on block chain payment system, which is characterized in that described
The information recorded in transaction data block includes transaction initiator, transaction recipient, promoter's amount of currency, recipient's coinage gold
Volume, the exchange rate and timestamp.
4. the cross-border payment and settlement method according to claim 1 based on block chain payment system, which is characterized in that described
The method verified in step C includes the following steps：
The exchange rate priority list established in C1, book keeping operation people's read step A verifies the transaction data block of request, judges
It initiates the node of transaction and receives the exchange rate priority of the node of transaction；
C2, the exchange rate information for extracting the higher node of priority in the node for initiating transaction and the node for receiving transaction, judgement should
Whether the exchange rate information that the transaction data block requested in exchange rate information and step B is recorded is consistent, if unanimously, entering step E,
Otherwise D is entered step.
5. the cross-border payment and settlement method according to claim 1 based on block chain payment system, which is characterized in that in step
When the exchange rate priority list established in book keeping operation people's read step A in rapid C verifies the transaction data block of request, also wrap
Include the authentication that node is initiated transaction data block.
6. the cross-border payment and settlement method according to claim 5 based on block chain payment system, which is characterized in that described
The method of authentication includes the following steps：
F1, password is uniquely verified for each node matching, is proving program by the verifying password package of all nodes；
When F2, the node for generating transaction initiate request, externally input verifying password is sent each book keeping operation people simultaneously by node；
F3, book keeping operation people verify the verifying password that node is sent by proving program, if recorded in verifying password and proving program
Unanimously, then otherwise do not passed through by verifying.
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| CN111080455A (en) * | 2020-01-04 | 2020-04-28 | 天津金农企业管理咨询合伙企业(有限合伙) | Cross-border transaction method and device based on block chain and hardware equipment |
| CN112907366A (en) * | 2019-12-03 | 2021-06-04 | 微观(天津)科技发展有限公司 | Cross-border trade financial service method and device based on block chain and storage medium |
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| CN109741061A (en) * | 2019-01-08 | 2019-05-10 | 睿亚区块链科技(深圳)有限公司 | A kind of cross-border payment transaction system based on block chain technology |
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| CN114154969A (en) * | 2021-10-15 | 2022-03-08 | 北京天德科技有限公司 | Large-scale trading and settlement method based on block chain |
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| Publication number | Publication date |
|---|---|
| CN108921531B (en) | 2021-04-13 |
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