CN109741171B - Cross-border money transfer information registration method and device - Google Patents
Cross-border money transfer information registration method and device Download PDFInfo
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Abstract
The invention discloses a method and a device for registering cross-border remittance information, wherein the method comprises the steps that a remittance mechanism obtains remittance information of a user, determines a transaction ID and a transaction key corresponding to the remittance information, determines the transaction information according to the transaction key and the remittance information, determines key information of a remittance processing mechanism according to a public key of the remittance processing mechanism and the transaction key in a blockchain network, and registers the transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information. The remittance mechanism encrypts the transaction key and uploads the remittance information to the blockchain network after encrypting the transaction key so that a user can efficiently inquire the processing flow of the remittance information through the blockchain network, and the inquiry timeliness of the remittance information is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of blockchains, in particular to a method and a device for registering cross-border remittance information.
Background
In the existing global rapid exchange business process, if a user wants to inquire about a money transfer real-time information, who is to exchange money, or from which place, the user needs to submit an inquiry request at the side of an exchange mechanism, the exchange mechanism submits the inquiry request on a silver-linked CDRS (China Unionpay Dispute Resolution System, cross-border error processing platform), and the request flows to an exchange mechanism to perform manual inquiry, because of low manual efficiency, 20 days or more are required for one inquiry transaction, and money transfer experience of a sender is greatly affected. The GPI (Global Payment Innovation, global innovative payment) business of SWIFT (Society for Worldwide Interbank Financial Telecommunications, global banking and telecommunication association) is also a similar problem, namely that a remittance is sent out, and real-time information and detailed information cannot be obtained in time.
Disclosure of Invention
The embodiment of the invention provides a method and a device for registering cross-border remittance information, which are used for realizing the tracking of cross-border payment and effectively improving the customer cross-border payment experience.
The method for registering cross-border remittance information provided by the embodiment of the invention comprises the following steps:
the remittance mechanism obtains remittance information of the user and determines a transaction ID (Identity) and a transaction key corresponding to the remittance information;
the remittance mechanism determines transaction information according to the transaction key and the remittance information;
the remittance mechanism determines key information of the remittance processing mechanism according to a public key of the remittance processing mechanism and the transaction key in the blockchain network;
and the remittance mechanism registers the transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information.
According to the technical scheme, the remittance mechanism encrypts the transaction key and uploads the remittance information to the blockchain network after encrypting the transaction key, so that a user can efficiently inquire the processing flow where the remittance information is located through the blockchain network, and the inquiry timeliness of the remittance information is improved.
Optionally, the remittance mechanism determines transaction information according to the transaction key and the remittance information, including:
and the remittance mechanism encrypts the remittance information by using the transaction key to determine the transaction information.
Optionally, the remittance mechanism determines key information of the remittance processing mechanism according to a public key of the remittance processing mechanism and the transaction key in the blockchain network, including:
and the remittance mechanism encrypts the transaction key by using the public key of the remittance processing mechanism to determine the key information of the remittance processing mechanism.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the remittance institution encrypts the transaction key by using the public key of the remittance processing institution to determine key information of the remittance processing institution, and the remittance processing institution comprises:
the remittance mechanism encrypts the transaction key by using the public key of the switching mechanism to determine key information of the switching mechanism;
the remittance mechanism encrypts the transaction key by using the public key of the remittance mechanism to determine the key information of the remittance mechanism;
And the remittance mechanism encrypts the transaction key by using the public key of the clearing mechanism to determine the key information of the clearing mechanism.
Optionally, the remittance mechanism registers the transaction information and the key information into the blockchain network according to a transaction ID corresponding to the remittance information, including:
the remittance mechanism establishes a corresponding relation between the transaction ID corresponding to the remittance information, the transaction information and the key information;
and the remittance mechanism registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
Correspondingly, the embodiment of the invention also provides a cross-border remittance information registering method, which comprises the following steps:
the money transfer processing mechanism obtains the transaction ID of the money transfer information;
the remittance processing mechanism determines transaction information corresponding to the transaction ID and key information of the remittance processing mechanism from a blockchain network according to the transaction ID; the transaction information is determined by a remittance institution according to a transaction key corresponding to the remittance information and the remittance information; the key information of the money transfer processing mechanism is determined by the remittance mechanism according to the public key of the money transfer processing mechanism and the transaction key of the money transfer information;
The remittance processing mechanism determines remittance information according to the key information of the remittance processing mechanism and the transaction information;
the remittance processing mechanism processes the remittance information and determines processed transaction information;
and the remittance processing mechanism registers the processed transaction information and key information of the remittance processing mechanism into the blockchain network according to the transaction ID.
According to the technical scheme, the money transfer processing mechanism encrypts the transaction key and uploads the money transfer information to the blockchain network after encrypting the transaction key, so that a user can efficiently inquire the money transfer information of each processing process through the blockchain network, and the inquiry timeliness of the money transfer information is improved.
Optionally, the money transfer processing mechanism determines the money transfer information according to the key information of the money transfer processing mechanism and the transaction information, including:
the money transfer processing mechanism decrypts the key information by using a private key of the money transfer processing mechanism, and determines the transaction key;
and the remittance processing mechanism decrypts the transaction information by using the transaction key to determine the remittance information.
Optionally, the money transfer processing mechanism processes the money transfer information to determine processed transaction information, including:
the remittance processing mechanism processes the remittance information to determine processing information, and after the processing information and the remittance information are combined, the processed remittance information is determined;
and the money transfer processing mechanism encrypts the processed money transfer information by using the transaction key to determine the processed transaction information.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the remittance processing mechanism processes the remittance information to determine processing information, and the remittance processing mechanism comprises:
the transfer mechanism transfers the remittance information to determine transfer information; or (b)
The remittance mechanism remits the remittance information to determine remittance information; or (b)
And the clearing mechanism carries out clearing on the remittance information to determine clearing information.
Correspondingly, the embodiment of the invention also provides a device for registering cross-border remittance information, which comprises the following steps:
the obtaining unit is used for obtaining remittance information of the user and determining a transaction ID and a transaction key corresponding to the remittance information;
The processing unit is used for determining transaction information according to the transaction key and the remittance information; determining key information of a money transfer processing mechanism according to a public key of the money transfer processing mechanism and the transaction key in a blockchain network;
and the uploading unit is used for registering the transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information.
Optionally, the processing unit is specifically configured to:
and encrypting the remittance information by using the transaction key to determine the transaction information.
Optionally, the processing unit is specifically configured to:
and encrypting the transaction key by using the public key of the money transfer processing mechanism to determine the key information of the money transfer processing mechanism.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the processing unit is specifically configured to:
encrypting the transaction key by using the public key of the switching mechanism to determine key information of the switching mechanism;
encrypting the transaction key by using the public key of the afflux institution to determine key information of the afflux institution;
encrypting the transaction key by using the public key of the clearing institution to determine the key information of the clearing institution.
Optionally, the uploading unit is specifically configured to:
the remittance mechanism establishes a corresponding relation between the transaction ID corresponding to the remittance information, the transaction information and the key information;
and the remittance mechanism registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
Correspondingly, the embodiment of the invention also provides a device for registering cross-border remittance information, which comprises the following steps:
an acquisition unit configured to acquire a transaction ID of remittance information;
the processing unit is used for determining transaction information corresponding to the transaction ID and key information of a money transfer processing mechanism from a blockchain network according to the transaction ID; the transaction information is determined by a remittance institution according to a transaction key corresponding to the remittance information and the remittance information; the key information of the money transfer processing mechanism is determined by the remittance mechanism according to the public key of the money transfer processing mechanism and the transaction key of the money transfer information; determining the remittance information according to the key information of the remittance processing mechanism and the transaction information; processing the remittance information to determine processed transaction information;
And the uploading unit is used for registering the processed transaction information and the key information of the remittance processing mechanism into the blockchain network according to the transaction ID.
Optionally, the processing unit is specifically configured to:
decrypting the key information by using a private key of the money transfer processing mechanism to determine the transaction key;
and decrypting the transaction information by using the transaction key to determine the remittance information.
Optionally, the processing unit is specifically configured to:
processing the remittance information to determine processing information, and after combining the processing information and the remittance information, determining processed remittance information;
and encrypting the processed remittance information by using the transaction key to determine the processed transaction information.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the processing unit is specifically configured to:
transferring the remittance information to determine transfer information; or (b)
Carrying out remittance on the remittance information to determine remittance information; or (b)
And clearing the remittance information to determine clearing information.
Accordingly, an embodiment of the present invention also provides a computer-readable storage medium storing computer-executable instructions for causing the computer to perform the above-described method for cross-border money transfer information registration.
Accordingly, an embodiment of the present invention further provides a computing device, including:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the cross-border remittance information registration method according to the obtained program.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a system architecture according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for cross-border money transfer information registration according to an embodiment of the present invention;
FIG. 3 is a flow chart of a method for cross-border money transfer information registration according to an embodiment of the present invention;
FIG. 4 is a flow chart of a method for cross-border money transfer information registration according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a device for registering cross-border money transfer information according to an embodiment of the present invention;
Fig. 6 is a schematic structural diagram of a cross-border money transfer information registration apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail below with reference to the accompanying drawings, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Fig. 1 is a system architecture to which an embodiment of the present invention is applicable. Referring to fig. 1, the system architecture may include an export entity 110, a transit entity 120, an import entity 130, and a clearing entity 140, where the export entity 110, the transit entity 120, the import entity 130, and the clearing entity 140 together form a blockchain network. The switching structure 120 and the clearing mechanism 140 may be the same mechanism, such as a bank card organization. The export entity 110 and the import entity are typically organizations with license plates for payment, such as: and (5) a bank.
The remittance mechanism 110 is mainly configured to remit remittance information of a receiving user, and upload the remittance information to the blockchain network. The transfer mechanism 120 is used for transferring the remittance information, and then combining the transfer information with the remittance information and uploading the combined remittance information to the blockchain network. The remittance mechanism 130 is used to transact remittance information and upload remittance information to the blockchain network. Clearing mechanism 140 is used to clear money transfer information and upload the clearing information to the blockchain network.
It should be noted that the structure shown in fig. 1 is merely an example, and the embodiment of the present invention is not limited thereto.
The embodiment of the invention provides a method for safely registering cross-border remittance information. First, an overseas sink mechanism collects remittance information of remittance people, calls web-service to register remittance information to a blockchain network, and a transfer mechanism, an remittance mechanism and a clearing mechanism respectively call web-service to register transfer information, remittance information and clearing information of cross-border remittance to the blockchain network, and each mechanism and remittance people inquire full-flow information of cross-border remittance through the web-service. The block chain network consists of an export mechanism, a transfer mechanism, an import mechanism and a clearing mechanism. In order to guarantee the privacy of transactions, each transaction corresponds to a transaction key, the transactions on the account book are encrypted through a symmetric key, and the transaction keys are encrypted through public keys of all institutions and are shared through the blockchain network.
Based on the above description, fig. 2 exemplarily illustrates a flow of a cross-border money transfer information registration method provided by an embodiment of the present invention, where the flow may be performed by a cross-border money transfer information registration apparatus, which may be located in the above-mentioned afflux facility, and a flow of cross-border money transfer information registration at the afflux facility side will be described below.
As shown in fig. 2, the process specifically includes:
in step 201, the remittance mechanism obtains remittance information of the user, and determines a transaction ID and a transaction key corresponding to the remittance information.
The foreign exchange may collect remittance information T of the remittance person, and then may determine a transaction ID corresponding to the remittance information according to the remittance information, while the foreign exchange generates a symmetric key as a transaction key K of the remittance information. Each piece of money transfer information corresponds to a transaction ID and a transaction key.
And 202, the remittance mechanism determines transaction information according to the transaction key and the remittance information.
The remittance institution may encrypt the remittance information T using the transaction key K in the above step 201 to determine the transaction information Tc, that is, obtain the encrypted ciphertext.
In step 203, the remittance institution determines key information of the remittance processing institution according to the public key of the remittance processing institution and the transaction key in the blockchain network.
After the transaction information is obtained, the remittance institution may encrypt the transaction key using the public key of the remittance processing institution to determine the key information of the remittance processing institution.
Specifically, the money transfer processing mechanism comprises a transfer mechanism, a remittance mechanism and a clearing mechanism. In determining the key information of the money transfer processing institution, it may be: the exchange mechanism encrypts the transaction key by using the public key of the transfer mechanism to determine the key information of the transfer mechanism, the exchange mechanism encrypts the transaction key by using the public key of the exchange mechanism to determine the key information of the exchange mechanism, and the exchange mechanism encrypts the transaction key by using the public key of the clearing mechanism to determine the key information of the clearing mechanism. Meanwhile, the remittance mechanism can encrypt the transaction key by using the public key of the remittance mechanism to obtain the key information of the remittance mechanism.
For example, the foreign export institution encrypts the transaction key K with public keys PK1, PK2, PK3, PK4 of the export institution, the transit institution, the import institution and the clearing institution to obtain C1, C2, C3, C4.
And 204, the remittance mechanism registers the transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information.
The remittance organization establishes the corresponding relation between the transaction ID corresponding to the remittance information and the transaction information and the key information, and then registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
For example, the overseas export institution registers the transaction information and the key information tid→ < Tc, C1, C2, C3, C4> establishing the correspondence into the blockchain network by invoking the smart contract deployed in the blockchain network through the middleware. The middleware Service may be a Web-Service.
The remittance information can be remitted through the steps.
The following is illustrated by FIG. 3
As shown in fig. 3, the process specifically includes:
in step 301, a money transfer processing mechanism obtains a transaction ID of money transfer information.
The money transfer processing mechanism may be a transfer mechanism, an entry mechanism, and a clearing mechanism. The processing of the money transfer processing mechanism may be described herein in terms of a transfer structure.
The transfer structure needs to obtain the transaction ID of the money transfer information, which is unique.
In step 302, the remittance processing mechanism determines transaction information corresponding to the transaction ID and key information of the remittance processing mechanism from a blockchain network according to the transaction ID.
The switching mechanism can call the query method of the intelligent contract according to the transaction ID to query transaction information Tc and key information C2 corresponding to the transaction ID from the blockchain network.
And 303, the remittance processing mechanism determines remittance information according to the key information of the remittance processing mechanism and the transaction information.
The switching mechanism decrypts the key information C2 by using the private key of the switching mechanism to determine the transaction key K, and then decrypts the transaction information Tc by using the transaction key K to determine the remittance information T.
And 304, the remittance processing mechanism processes the remittance information to determine processed transaction information.
The transfer mechanism processes the remittance information T to determine processing information, combines the processing information and the remittance information to determine processed remittance information, encrypts the processed remittance information by using the transaction key K to determine processed transaction information Tc ′ . The processing information here means transfer information, that is, transfer information T is transferred by the transfer mechanism, and transfer information is determined.
And step 305, the remittance processing mechanism registers the processed transaction information and the key information of the remittance processing mechanism into the blockchain network according to the transaction ID.
The transfer mechanism can call the middleware service to call the intelligent contract to process the transaction information and the key information Tid- & gt after processing<Tc ′ ,C1,C2,C3,C4>Registering in the blockchain network, here again, the transaction ID is associated with the processed transaction information and the key information.
Accordingly, similar operations to the transfer mechanism described above are performed when the money transfer processing mechanism is an import-in mechanism or a clearing mechanism, except that the import-in mechanism registers import-in information to the blockchain network and the clearing mechanism registers clearing information to the blockchain network.
Thus, the cross-border remittance full-flow information can be registered in the blockchain network, so that a user can process the remittance information through the bottom layer blockchain platform. Meanwhile, each mechanism can also call the query method of the intelligent contract according to the transaction ID to query transaction information and key information < Tc, C1, C2, C3 and C4> from the blockchain network, each mechanism uses the private key of the mechanism to decrypt the key information to obtain a transaction key K, and each mechanism uses the transaction key K to decrypt Tc to obtain transaction information T.
The blockchain network is mainly used for solving the problem of information credibility and non-falsification, a peer-to-peer (P2P) network is built by connecting a plurality of peer nodes, all nodes in the network are equal in position and store the same information, and main functions comprise information exchange and information storage. The nodes in the network realize network interconnection through a P2P network technology. The block chain network node realizes real-time data sharing through an efficient consistency consensus algorithm, and can ensure strong consistency of data. The algorithm can ensure that the system can still work stably under the condition that a certain malicious node exists, and the system can work stably in a relatively unreliable network due to the characteristic.
The block chain Service middleware is used for shielding details of the bottom layer block chain Service, focusing on upper layer business logic and providing a Web-Service in the middle, so that the development operation and maintenance cost can be reduced to a great extent. After the detail of the blockchain is shielded, the supporting capability of the system to different distributed ledger wall technical platforms is greatly enhanced, and different bottom layer platforms can be flexibly switched to realize compatibility.
The local encryption package is finally used for solving the information security requirements of users and institutions, all encryption and decryption works are completed locally, the provided encryption and decryption tool package can realize the functions of symmetric encryption, public key encryption, private key decryption and the like of information, further, whether different users can access the information or not can be selectively limited through a certain encryption method, and further, the content of the access information of different users can be controlled according to different granularities. The encrypted information is uploaded to the blockchain network, so that the information can be permanently stored and cannot be tampered, and the accessible user can be limited.
It should be noted that the encryption and decryption and the Web-Service middleware may be integrated into the same system, the system is directly integrated into the client of the organization, the client of the organization uses the same encryption and decryption flow to preprocess the information, then directly accesses the blockchain network, and registers the information into the blockchain network.
Meanwhile, all information can be proxied through a central institution, all remittance information is processed through the central institution, and the information is hosted by the institution.
In order to better explain the embodiments of the present invention, the flow of cross-border money transfer information registration will be described below with specific examples.
As shown in FIG. 4, the participants in the embodiment of the invention have a foreign remittance to the bank A, a foreign remittance to the bank B, and a bank card organization as a transfer clearing mechanism, each mechanism adopts RSA cryptographic algorithm to generate a pair of public and private keys. The blockchain network adopts a Hyperledger Fabric blockchain platform, and the intelligent contract adopts the Go language to realize the functions of storing transaction information and key information into a blockchain Fabric state and inquiring the transaction and key information from the state by each organization. The organization interacts with the intelligent contract by calling the Fabric SDK through the Web-service. The bank card organization may be a chinese union pay.
The registering steps of the cross-border remittance information from the bank A to the bank B are as follows:
(1) money transfer request process:
the first step: the foreign remittance bank A collects remittance person information, remittance organization, contact information, remittance time, statement and other information according to remittance bill filled by remittance person, and splice the information into transaction id from the fixed domain in 8583 message.
And a second step of: and generating a session key by adopting a 3DES/AES cryptographic algorithm, wherein the session key encrypts sender information, remittance institutions, contact information, remittance time, dialect and other information one by one.
And a third step of: the remittance bank A uses the public key of the mechanism, the Unionpay and the remittance bank B to carry out RSA encryption on the asymmetric key to obtain ciphertext C1, C2 and C3 of the asymmetric key.
Fourth step: the remittance bank A calls the web-service to store the encrypted transaction information and the encrypted symmetric key into the Fabric state according to the transaction id.
(2) Transfer request transfer process:
fifth step: the Union splice the transaction id according to the 8583 message received, and inquire the encrypted transaction information and the encrypted transaction key from the Fabric state according to the transaction id.
Sixth step: the Union decrypts the encrypted transaction key according to the private key of the mechanism to obtain the plaintext of the transaction key.
Seventh step: the Union encrypts the transit time with the transaction key to insert transaction information, and then invokes the web-service to restore the updated transaction information to the fabric state.
(3) After the cardholder enters account:
eighth step: and the remittance mechanism B splices the transaction id according to the received 8583 message, and inquires the encrypted transaction information and the encrypted transaction key from the Fabric state according to the transaction id.
Ninth step: and the sink mechanism B decrypts the encrypted transaction key according to the private key of the mechanism to obtain the plaintext of the transaction key.
(4) Transmitting a clearing file:
tenth step: the Union encrypts and inserts the payee information, the account time, the transaction serial number, the currency, the amount and the like into the transaction information by using the transaction key, and calls the web-service to restore the updated transaction information into the fabric state.
Eleventh step: the Union splice the transaction id according to the 8583 message received, and inquire the encrypted transaction information and the encrypted transaction key from the Fabric state according to the transaction id.
Twelfth step: the Union decrypts the encrypted transaction key according to the private key of the mechanism to obtain the plaintext of the transaction key.
Thirteenth step: the Union encrypts and inserts transaction information with a transaction key at the clearing time, and re-stores updated transaction information into a fabric state by calling a web-service.
From this point, a cross-border money transfer transaction registers on the blockchain network with the full-flow transaction information from the steps of remittance, transfer, remittance, and clearing.
The user inquires remittance transaction information from the mechanism according to the transaction id; the mechanism calls a query method of the intelligent contract according to the transaction id to query encrypted transaction information and encrypted transaction keys from the Fabric state; the mechanism decrypts the encrypted transaction key according to the private key of the mechanism to obtain the plaintext of the transaction key; the institution decrypts the transaction information by using the transaction key, acquires the plaintext of the transaction information and returns the plaintext to the user.
The foregoing embodiment shows that the remittance mechanism obtains remittance information of the user, determines a transaction ID and a transaction key corresponding to the remittance information, determines transaction information according to the transaction key and the remittance information, determines key information of the remittance processing mechanism according to a public key of the remittance processing mechanism in the blockchain network and the transaction key, and registers the transaction information and the key information in the blockchain network according to the transaction ID corresponding to the remittance information. The remittance mechanism encrypts the transaction key and uploads the remittance information to the blockchain network after encrypting the transaction key so that a user can efficiently inquire the processing flow of the remittance information through the blockchain network, and the inquiry timeliness of the remittance information is improved.
The embodiment of the invention can realize the following technical effects:
1) Realizing inter-institution cross-border remittance information sharing: the system in the embodiment of the invention is constructed based on the distributed account book technology, all information can be truly and nondefectively tampered, the system ensures that the information among all mechanism nodes is kept highly synchronous through a high-efficiency consistency algorithm, and the possibility of information modification of any party can be eliminated.
2) Realizing the real-time inquiry of the user on the cross-border remittance information: according to the embodiment of the invention, the information at the most core of each link in the remittance flow is uploaded to the blockchain network, real-time and efficient synchronization of the information is realized, any node can obtain the latest data on the whole blockchain network at any time, a user can conveniently and efficiently inquire remittance information of each process, and the inquiry time of the remittance information is greatly increased.
3) Solving the problem of controllable access of information: the embodiment of the invention combines the corresponding characteristics of symmetric encryption and asymmetric encryption, encrypts and uploads the remittance information of each process to the blockchain, only allows the strong correlative party of remittance transaction to decrypt the information and check the information, and realizes the access control of the information.
Based on the same technical concept, fig. 5 illustrates an apparatus for cross-border money transfer information registration provided by an embodiment of the present invention, which may perform a flow of cross-border money transfer information registration.
As shown in fig. 5, the apparatus specifically includes:
an obtaining unit 501, configured to obtain remittance information of a user, and determine a transaction ID and a transaction key corresponding to the remittance information;
a processing unit 502, configured to determine transaction information according to the transaction key and the remittance information; determining key information of a money transfer processing mechanism according to a public key of the money transfer processing mechanism and the transaction key in a blockchain network;
and an uploading unit 503, configured to register the transaction information and the key information into the blockchain network according to a transaction ID corresponding to the remittance information.
Optionally, the processing unit 502 is specifically configured to:
and encrypting the remittance information by using the transaction key to determine the transaction information.
Optionally, the processing unit 502 is specifically configured to:
and encrypting the transaction key by using the public key of the money transfer processing mechanism to determine the key information of the money transfer processing mechanism.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the processing unit 502 is specifically configured to:
encrypting the transaction key by using the public key of the switching mechanism to determine key information of the switching mechanism;
encrypting the transaction key by using the public key of the afflux institution to determine key information of the afflux institution;
encrypting the transaction key by using the public key of the clearing institution to determine the key information of the clearing institution.
Optionally, the uploading unit 503 is specifically configured to:
the remittance mechanism establishes a corresponding relation between the transaction ID corresponding to the remittance information, the transaction information and the key information;
and the remittance mechanism registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
Based on the same technical concept, fig. 6 illustrates an apparatus for cross-border money transfer information registration provided by an embodiment of the present invention, which may perform a flow of cross-border money transfer information registration.
As shown in fig. 6, the apparatus specifically includes:
an acquiring unit 601 for acquiring a transaction ID of money transfer information;
A processing unit 602, configured to determine, from a blockchain network, transaction information corresponding to the transaction ID and key information of a money transfer processing mechanism according to the transaction ID; the transaction information is determined by a remittance institution according to a transaction key corresponding to the remittance information and the remittance information; the key information of the money transfer processing mechanism is determined by the remittance mechanism according to the public key of the money transfer processing mechanism and the transaction key of the money transfer information; determining the remittance information according to the key information of the remittance processing mechanism and the transaction information; processing the remittance information to determine processed transaction information;
and an uploading unit 603, configured to register the processed transaction information and the key information of the money transfer organization into the blockchain network according to the transaction ID.
Optionally, the processing unit 602 is specifically configured to:
decrypting the key information by using a private key of the money transfer processing mechanism to determine the transaction key;
and decrypting the transaction information by using the transaction key to determine the remittance information.
Optionally, the processing unit 602 is specifically configured to:
Processing the remittance information to determine processing information, and after combining the processing information and the remittance information, determining processed remittance information;
and encrypting the processed remittance information by using the transaction key to determine the processed transaction information.
Optionally, the money transfer processing mechanism comprises a transfer mechanism, an remittance mechanism and a clearing mechanism;
the processing unit 602 is specifically configured to:
transferring the remittance information to determine transfer information; or (b)
Carrying out remittance on the remittance information to determine remittance information; or (b)
And clearing the remittance information to determine clearing information.
Based on the same technical concept, the embodiment of the invention also provides a computer-readable storage medium storing computer-executable instructions for causing the computer to perform the above-described method for cross-border money transfer information registration.
Based on the same technical concept, the embodiment of the invention further provides a computing device, which comprises:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the cross-border remittance information registration method according to the obtained program.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (20)
1. A method of cross-border money transfer information registration, comprising:
The remittance mechanism acquires remittance information of the user and determines a transaction Identity (ID) and a transaction key corresponding to the remittance information;
the remittance mechanism determines transaction information according to the transaction key and the remittance information;
the remittance mechanism determines key information of the remittance processing mechanism according to a public key of the remittance processing mechanism and the transaction key in the blockchain network;
the remittance mechanism registers the transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information; the money transfer processing mechanism comprises a switching mechanism, a clearing mechanism and a converging mechanism; the key information comprises key information of a switching mechanism for encrypting and determining a transaction key by using a public key of the switching mechanism, key information of a clearing mechanism for encrypting and determining the transaction key by using a public key of the clearing mechanism, key information of an afflux mechanism for encrypting and determining the transaction key by using a public key of the afflux mechanism and key information of an afflux mechanism for encrypting and determining the transaction key by using a public key of the afflux mechanism; the remittance processing mechanism is used for registering the processed transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information; the remittance processing mechanism acquires transaction information and key information from a blockchain network according to a transaction ID corresponding to the remittance information, decrypts the key information by using a private key of the remittance processing mechanism, and determines the transaction key; and the remittance processing mechanism decrypts the transaction information by using the transaction key to determine the remittance information.
2. The method of claim 1, wherein the remittance institution determining transaction information based on the transaction key and the money transfer information comprises:
and the remittance mechanism encrypts the remittance information by using the transaction key to determine the transaction information.
3. The method of claim 1, wherein the exporting entity determining key information for a money transfer processing entity based on a public key of the money transfer processing entity and the transaction key in a blockchain network, comprising:
and the remittance mechanism encrypts the transaction key by using the public key of the remittance processing mechanism to determine the key information of the remittance processing mechanism.
4. The method of claim 3, wherein the money transfer processing mechanism comprises a transfer mechanism, a money transfer mechanism, and a clearing mechanism;
the remittance institution encrypts the transaction key by using the public key of the remittance processing institution to determine key information of the remittance processing institution, and the remittance processing institution comprises:
the remittance mechanism encrypts the transaction key by using the public key of the switching mechanism to determine key information of the switching mechanism;
The remittance mechanism encrypts the transaction key by using the public key of the remittance mechanism to determine the key information of the remittance mechanism;
and the remittance mechanism encrypts the transaction key by using the public key of the clearing mechanism to determine the key information of the clearing mechanism.
5. The method of any of claims 1-4, wherein the remittance institution registering the transaction information and the key information in the blockchain network according to a transaction ID corresponding to the remittance information, comprises:
the remittance mechanism establishes a corresponding relation between the transaction ID corresponding to the remittance information, the transaction information and the key information;
and the remittance mechanism registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
6. A method of cross-border money transfer information registration, comprising:
the money transfer processing mechanism acquires a transaction Identity (ID) of money transfer information;
the remittance processing mechanism determines transaction information corresponding to the transaction ID and key information of the remittance processing mechanism from a blockchain network according to the transaction ID; the transaction information is determined by a remittance institution according to a transaction key corresponding to the remittance information and the remittance information; the key information of the money transfer processing mechanism is determined by the remittance mechanism according to the public key of the money transfer processing mechanism and the transaction key of the money transfer information;
The remittance processing mechanism determines remittance information according to the key information of the remittance processing mechanism and the transaction information;
the remittance processing mechanism processes the remittance information and determines processed transaction information;
the remittance processing mechanism registers the processed transaction information and key information of the remittance processing mechanism into the blockchain network according to the transaction ID; the money transfer processing mechanism comprises a switching mechanism, a clearing mechanism and a converging mechanism; the key information comprises key information of a switching mechanism, wherein the switching mechanism uses a public key of the switching mechanism to encrypt and determine a transaction key, the clearing mechanism uses a public key of the clearing mechanism to encrypt and determine the transaction key, the converging mechanism uses a public key of the converging mechanism to encrypt and determine the transaction key, and the converging mechanism uses a public key of the converging mechanism to encrypt and determine the transaction key.
7. The method of claim 6 wherein the money transfer processing mechanism determining the money transfer information based on key information of the money transfer processing mechanism and the transaction information comprises:
The money transfer processing mechanism decrypts the key information by using a private key of the money transfer processing mechanism, and determines the transaction key;
and the remittance processing mechanism decrypts the transaction information by using the transaction key to determine the remittance information.
8. The method of claim 6 wherein the money transfer processing mechanism processes the money transfer information to determine processed transaction information, comprising:
the remittance processing mechanism processes the remittance information to determine processing information, and after the processing information and the remittance information are combined, the processed remittance information is determined;
and the money transfer processing mechanism encrypts the processed money transfer information by using the transaction key to determine the processed transaction information.
9. The method of claim 8, wherein the money transfer processing mechanism comprises a transfer mechanism, a money transfer mechanism, and a clearing mechanism;
the remittance processing mechanism processes the remittance information to determine processing information, and the remittance processing mechanism comprises:
the transfer mechanism transfers the remittance information to determine transfer information; or (b)
The remittance mechanism remits the remittance information to determine remittance information; or (b)
And the clearing mechanism carries out clearing on the remittance information to determine clearing information.
10. An apparatus for cross-border money transfer information registration, comprising:
the system comprises an acquisition unit, a transaction Identification (ID) and a transaction key, wherein the acquisition unit is used for acquiring remittance information of a user and determining the ID and the transaction key of the transaction corresponding to the remittance information;
the processing unit is used for determining transaction information according to the transaction key and the remittance information; determining key information of a money transfer processing mechanism according to a public key of the money transfer processing mechanism and the transaction key in a blockchain network;
an uploading unit, configured to register the transaction information and the key information into the blockchain network according to a transaction ID corresponding to the remittance information; the money transfer processing mechanism comprises a switching mechanism, a clearing mechanism and a converging mechanism; the key information comprises key information of a switching mechanism, wherein the switching mechanism uses a public key of the switching mechanism to encrypt and determine a transaction key, the switching mechanism uses a public key of the switching mechanism to encrypt and determine key information of a clearing mechanism, the switching mechanism uses the public key of the clearing mechanism to encrypt and determine the transaction key, the switching mechanism uses the public key of the switching mechanism to encrypt and determine the key information of the switching mechanism, and the switching mechanism uses the public key of the switching mechanism to encrypt and determine the switching key; the remittance processing mechanism is used for registering the processed transaction information and the key information into the blockchain network according to the transaction ID corresponding to the remittance information, acquiring the transaction information and the key information from the blockchain network according to the transaction ID corresponding to the remittance information, decrypting the key information by using the private key of the remittance processing mechanism, and determining the transaction key; and the remittance processing mechanism decrypts the transaction information by using the transaction key to determine the remittance information.
11. The apparatus of claim 10, wherein the processing unit is specifically configured to:
and encrypting the remittance information by using the transaction key to determine the transaction information.
12. The apparatus of claim 10, wherein the processing unit is specifically configured to:
and encrypting the transaction key by using the public key of the money transfer processing mechanism to determine the key information of the money transfer processing mechanism.
13. The apparatus of claim 12, wherein the money transfer processing mechanism comprises a transfer mechanism, a money transfer mechanism, and a clearing mechanism;
the processing unit is specifically configured to:
encrypting the transaction key by using the public key of the switching mechanism to determine key information of the switching mechanism;
encrypting the transaction key by using the public key of the afflux institution to determine key information of the afflux institution;
encrypting the transaction key by using the public key of the clearing institution to determine the key information of the clearing institution.
14. The apparatus according to any of the claims 10 to 13, wherein the uploading unit is specifically configured to:
the remittance mechanism establishes a corresponding relation between the transaction ID corresponding to the remittance information, the transaction information and the key information;
And the remittance mechanism registers the transaction information and the key information after the corresponding relation is established into the blockchain through the intelligent contract on the blockchain.
15. An apparatus for cross-border money transfer information registration, comprising:
an obtaining unit, configured to obtain a transaction identity ID of the money transfer information;
the processing unit is used for determining transaction information corresponding to the transaction ID and key information of a money transfer processing mechanism from a blockchain network according to the transaction ID; the transaction information is determined by a remittance institution according to a transaction key corresponding to the remittance information and the remittance information; the key information of the money transfer processing mechanism is determined by the remittance mechanism according to the public key of the money transfer processing mechanism and the transaction key of the money transfer information; determining the remittance information according to the key information of the remittance processing mechanism and the transaction information; processing the remittance information to determine processed transaction information;
an uploading unit configured to register the processed transaction information and key information of the money transfer processing mechanism into the blockchain network according to the transaction ID; the money transfer processing mechanism comprises a switching mechanism, a clearing mechanism and a converging mechanism; the key information comprises key information of a switching mechanism, wherein the switching mechanism uses a public key of the switching mechanism to encrypt and determine a transaction key, the clearing mechanism uses a public key of the clearing mechanism to encrypt and determine the transaction key, the converging mechanism uses a public key of the converging mechanism to encrypt and determine the transaction key, and the converging mechanism uses a public key of the converging mechanism to encrypt and determine the transaction key.
16. The apparatus of claim 15, wherein the processing unit is specifically configured to:
decrypting the key information by using a private key of the money transfer processing mechanism to determine the transaction key;
and decrypting the transaction information by using the transaction key to determine the remittance information.
17. The apparatus of claim 15, wherein the processing unit is specifically configured to:
processing the remittance information to determine processing information, and after combining the processing information and the remittance information, determining processed remittance information;
and encrypting the processed remittance information by using the transaction key to determine the processed transaction information.
18. The apparatus of claim 17, wherein the money transfer processing mechanism comprises a transfer mechanism, a money transfer mechanism, and a clearing mechanism;
the processing unit is specifically configured to:
transferring the remittance information to determine transfer information; or (b)
Carrying out remittance on the remittance information to determine remittance information; or (b)
And clearing the remittance information to determine clearing information.
19. A computer-readable storage medium storing computer-executable instructions for causing a computer to perform the method of any one of claims 1 to 9.
20. A computing device, comprising:
a memory for storing program instructions;
a processor for invoking program instructions stored in the memory to perform the method of any of claims 1-9 in accordance with the obtained program.
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| CN110349021B (en) * | 2019-06-26 | 2020-08-25 | 阿里巴巴集团控股有限公司 | Method and device for realizing confidential transaction in block chain |
| US10797887B2 (en) | 2019-06-26 | 2020-10-06 | Alibaba Group Holding Limited | Confidential blockchain transactions |
| CN110378682A (en) * | 2019-07-02 | 2019-10-25 | 银清科技(北京)有限公司 | The cross-border method of payment of RMB and device based on block chain framework |
| CN110380863B (en) * | 2019-07-02 | 2022-12-02 | 银清科技有限公司 | Cross-border payment message notification processing method and device based on block chain architecture |
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