CN113222605A - Transaction processing method and device based on block chain - Google Patents
Transaction processing method and device based on block chain Download PDFInfo
- Publication number
- CN113222605A CN113222605A CN202110665323.2A CN202110665323A CN113222605A CN 113222605 A CN113222605 A CN 113222605A CN 202110665323 A CN202110665323 A CN 202110665323A CN 113222605 A CN113222605 A CN 113222605A
- Authority
- CN
- China
- Prior art keywords
- transaction
- transaction request
- bank
- block chain
- customer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 13
- 238000000034 method Methods 0.000 claims description 28
- 238000004590 computer program Methods 0.000 claims description 15
- 230000004044 response Effects 0.000 claims description 6
- 238000006243 chemical reaction Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 15
- 230000006870 function Effects 0.000 description 5
- 239000003999 initiator Substances 0.000 description 5
- 238000013500 data storage Methods 0.000 description 4
- 230000008569 process Effects 0.000 description 4
- 230000009471 action Effects 0.000 description 3
- 238000012790 confirmation Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device
- G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisions for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a transaction processing method and a device based on a block chain, relating to the technical field of the block chain and comprising the following steps: receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries; when a bank system at a customer site has access to the blockchain, broadcasting the transaction request to a plurality of bank systems having access to the blockchain; after the bank system with more than the preset number returns the transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location; according to the invention, the transaction amount corresponding to the place where the customer account belongs is deducted from the customer account, so that online secure transaction of foreign currency can be realized, the customer does not need to exchange the foreign currency, the foreign currency transaction efficiency is improved, and the customer experience is improved.
Description
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a method and an apparatus for processing transactions based on blockchains.
Background
At present, when a customer wants to consume abroad, the customer needs to firstly reserve the foreign currency exchange service, then goes to a bank outlet to exchange the foreign currency, and finally takes the foreign currency to consume abroad, and the process is complex, low in efficiency and poor in customer experience.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a transaction processing method based on a block chain, which is used for improving the foreign currency transaction efficiency and comprises the following steps:
receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
when a bank system at a customer site has access to the blockchain, broadcasting the transaction request to a plurality of bank systems having access to the blockchain;
after the bank system with more than the preset number returns the transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location;
and deducting the transaction amount corresponding to the client account from the client account.
The embodiment of the invention provides a transaction processing device based on a block chain, which is used for improving the foreign currency transaction efficiency and comprises:
the system comprises a transaction request receiving module, a block chain module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request initiated by a client overseas and judging whether a bank system where the client is located is accessed to the block chain, the block chain is accessed to a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
the broadcasting module is used for broadcasting the transaction request to a plurality of banking systems accessed to the block chain when the banking systems at the client locations have accessed to the block chain;
the exchange rate conversion module is used for determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the place where the customer is located after the bank system with more than the preset number returns the transaction approving instruction for the transaction request;
and the deduction module is used for deducting the transaction amount corresponding to the client account from the client account.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction processing method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the method for executing the transaction processing based on the block chain.
The embodiment of the invention comprises the following steps: receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries; when a bank system at a customer site has access to the blockchain, broadcasting the transaction request to a plurality of bank systems having access to the blockchain; after the bank system with more than the preset number returns the transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location; the transaction amount corresponding to the place where the customer account belongs is deducted from the customer account, and then bank systems of different countries are accessed into the block chain, and when the transaction request is received, the transaction request is broadcasted to a plurality of bank systems accessed into the block chain, so that online safe transaction of foreign currencies can be realized, the foreign currencies do not need to be exchanged by customers, the foreign currency transaction efficiency is improved, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a block chain-based transaction processing method according to an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating another flow of a blockchain-based transaction processing method according to an embodiment of the present invention;
FIG. 3 is a block chain based transaction processing device according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating another configuration of a blockchain-based transaction processing device according to an embodiment of the present invention;
FIG. 5 is a flow chart of an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
An embodiment of the present invention provides a transaction processing method based on a blockchain, so as to improve efficiency of foreign currency transaction, where fig. 1 is a schematic diagram of a flow of the transaction processing method based on the blockchain in the embodiment of the present invention, as shown in fig. 1, the method includes:
step 101: receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
step 102: when a bank system at a customer location has accessed a blockchain, broadcasting transaction requests to a plurality of bank systems which have accessed the blockchain;
step 103: after the bank system with more than the preset number returns a transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location;
step 104: and deducting the transaction amount corresponding to the client account from the client account.
As shown in fig. 1, an embodiment of the present invention is implemented by: receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries; when a bank system at a customer location has accessed a blockchain, broadcasting transaction requests to a plurality of bank systems which have accessed the blockchain; after the bank system with more than the preset number returns a transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location; the transaction amount corresponding to the place where the customer account belongs is deducted from the customer account, and then bank systems of different countries are accessed into the block chain, and when the transaction request is received, the transaction request is broadcasted to a plurality of bank systems accessed into the block chain, so that online safe transaction of foreign currencies can be realized, the customer does not need to exchange the foreign currencies, the foreign currency transaction efficiency is improved, and the customer experience is improved.
In one embodiment, each banking system corresponds to a block.
In one embodiment, the initiator and the payee of the transaction request are both registered in the blockchain, and a two-dimensional code for collection is returned to the payee of the transaction request after successful registration;
in step 101, receiving a transaction request initiated by a client abroad, the method includes:
when the customer scans the two-dimensional code of the payee, a transaction request is generated.
When the method is concretely implemented, firstly, a foreign currency small amount payment system needs to be established, specifically, a plurality of bank systems of different countries of the same bank are accessed through a block chain, each bank system corresponds to one block, each block is provided with an initial node, an initiator and a payee of a transaction request can register in the foreign currency small amount payment system, a bank card needs to be bound in advance during registration, a two-dimensional collection code can be returned to the payee when the registration is successful, the two-dimensional collection code of the payee can be scanned during overseas consumption of a customer, the information of the payee is identified, the customer generates a transaction request during overseas scanning of the two-dimensional collection code, and the transaction request is sent to the foreign currency small amount payment system.
In step 101, when a transaction request initiated by a customer abroad is received, it is first determined whether a bank system at a customer location has accessed a block chain, if not, the transaction request is rejected, and if so, a subsequent operation is executed.
In one embodiment, broadcasting 102 a transaction request to a plurality of banking systems that have access to the blockchain when the banking systems at the customer site have access to the blockchain may include:
when a bank system at a customer location has access to a block chain, a transaction request is broadcast to a plurality of bank systems having access to the block chain through an optimal block, wherein the optimal block is a block with the fastest response speed in the block chain.
In step 102, when the bank system where the customer is located has accessed the block chain, firstly, performing security check on the transaction request, and determining whether the transaction request meets a preset security requirement, after the security check is passed, in order to further ensure the security of the transaction, the transaction request needs to be broadcast to a plurality of bank systems that have accessed the block chain through an optimal block, where the optimal block is a block with the fastest response speed in the block chain, and the optimal block can be obtained as follows: and generating a random transaction request every month, sending the random transaction request to all the blocks, and judging the optimal block by receiving the response speed of the transaction requests of all the blocks.
Fig. 2 is a schematic diagram of another flow of the transaction processing method based on the blockchain in the embodiment of the present invention, as shown in fig. 2, in an embodiment, after the banking systems exceeding the preset number return the transaction approval instruction for the transaction request, the method further includes:
step 105: and a node is additionally arranged in each block respectively to record the transaction information of the transaction request.
In specific implementation, after the bank system exceeding the preset number returns the agreement transaction instruction to the transaction request, the preset number may be 51%, or may be other numbers, the present invention is not limited to this, it indicates that the transaction request has been broadcast and confirmed successfully, in order to implement decentralization of transaction information storage, a node may be added in each block to record the transaction information of the transaction request, and each block needs the initiator and payee information of the transaction request, and the transaction amount.
Then, the transaction amount corresponding to the customer account is determined according to the transaction amount in the transaction request and the exchange rate of the customer location, for example, the customer needs to pay 5 dollars in the united states, the exchange rate of the dollars to the RMB is 6.8, the transaction amount of the RMB corresponding to the customer is 5 × 6.8 ═ 34 yuan, finally, a banking system corresponding to a bank card is bound to generate a deduction transaction when the customer registers, the corresponding amount is deducted, the customer can inquire by inquiring nodes in a block chain when conducting historical transaction inquiry, and then a block chain system for the foreign currency small payment transaction data is built by simulating a block chain data storage mode, so that decentralization of transaction record storage can be realized, safety and reliability of data storage are improved, a flow is simplified finally, efficiency is improved, and customer experience is improved.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the same inventive concept, the embodiment of the present invention further provides a transaction processing apparatus based on a blockchain, as in the following embodiments. Because the principle of solving the problem of the transaction processing device based on the blockchain is similar to that of the transaction processing method based on the blockchain, the implementation of the device can refer to the implementation of the method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
An embodiment of the present invention provides a transaction processing apparatus based on a blockchain, so as to improve the efficiency of foreign currency transaction, and fig. 3 is a schematic diagram of a structure of the transaction processing apparatus based on the blockchain in the embodiment of the present invention, as shown in fig. 3, the apparatus includes:
the transaction request receiving module 01 is used for receiving a transaction request initiated by a customer overseas and judging whether a bank system where the customer is located has access to a block chain, wherein the block chain is connected with a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
the broadcasting module 02 is used for broadcasting transaction requests to a plurality of bank systems accessed to the block chain when the bank systems at the customer locations have accessed the block chain;
the exchange rate conversion module 03 is used for determining the transaction amount corresponding to the place where the customer account belongs according to the transaction amount in the transaction request and the exchange rate of the place where the customer is located after the transaction request agrees with the transaction instruction returned by the bank system with more than the preset number;
and the deduction module 04 is used for deducting the transaction amount corresponding to the client account from the client account.
Fig. 4 is a schematic diagram of another structure of a transaction processing apparatus based on a blockchain according to an embodiment of the present invention, as shown in fig. 4, in an embodiment, the apparatus may further include: a transaction information recording module 05 for:
after the bank systems with more than the preset number return the transaction approving instructions for the transaction requests, a node is respectively added to each block to record the transaction information of the transaction requests, wherein each bank system corresponds to one block.
In an embodiment, the broadcasting module 02 is specifically configured to:
when a bank system at a customer location has access to a block chain, a transaction request is broadcast to a plurality of bank systems having access to the block chain through an optimal block, wherein the optimal block is a block with the fastest response speed in the block chain.
In one embodiment, the initiator and the payee of the transaction request are both registered in the blockchain, and a two-dimensional code for collection is returned to the payee of the transaction request after successful registration;
the transaction request receiving module 01 is specifically configured to:
when the customer scans the two-dimensional code of the payee, a transaction request is generated.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction processing method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the method for executing the transaction processing based on the block chain.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
Fig. 5 is a schematic diagram of a flow of an embodiment of the present invention, as shown in fig. 5, including the following steps.
Step 501: accessing a plurality of bank systems of different countries of the same bank into a block chain, wherein each bank system corresponds to one block, and each block is provided with an initial node;
step 502: the method comprises the steps that a customer and a merchant register in a block chain, a bank card needs to be bound in advance during registration, and a two-dimensional collection code is returned to the merchant when registration is successful;
step 503: when the customer consumes abroad, scanning a collection two-dimensional code of a collection party to generate a transaction request;
step 504: receiving a transaction request, judging whether a bank system where a customer is located is accessed to a block chain, carrying out safety check on the transaction request when the bank system where the customer is located is accessed to the block chain, and broadcasting the transaction request to a plurality of bank systems which are accessed to the block chain through an optimal block after the safety check is passed;
step 505: after the bank systems exceeding the preset number return the agreement transaction instructions to the transaction requests, the success of the broadcast confirmation of the transaction requests is indicated, a node is additionally arranged in each block to record the transaction information of the transaction requests, and each block needs the information of an initiator and a receiver of the transaction requests and the transaction amount;
step 506: determining the transaction amount corresponding to the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location;
step 507: and binding a bank system corresponding to the bank card to generate deduction transaction when the customer registers, deducting the corresponding amount of money, and inquiring through nodes in the inquiry block chain when the customer inquires the historical transaction.
In summary, the embodiment of the present invention provides: receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries; when a bank system at a customer site has access to the blockchain, broadcasting the transaction request to a plurality of bank systems having access to the blockchain; after the bank system with more than the preset number returns the transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location; the transaction amount corresponding to the place where the customer account belongs is deducted from the customer account, and then bank systems of different countries are accessed into the block chain, and when the transaction request is received, the transaction request is broadcasted to a plurality of bank systems accessed into the block chain, so that online safe transaction of foreign currencies can be realized, the foreign currencies do not need to be exchanged by customers, the foreign currency transaction efficiency is improved, and the customer experience is improved.
In addition, the invention realizes that the block chain system aiming at the foreign currency small payment transaction data is built by simulating the block chain data storage mode, thereby realizing the decentralization of transaction record storage, improving the safety and reliability of data storage and finally simplifying the flow.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
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 flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A transaction processing method based on a blockchain is characterized by comprising the following steps:
receiving a transaction request initiated by a client overseas, and judging whether a bank system where the client is located has access to a block chain, wherein the block chain is accessed into a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
when a bank system at a customer site has access to the blockchain, broadcasting the transaction request to a plurality of bank systems having access to the blockchain;
after the bank system with more than the preset number returns the transaction approving instruction for the transaction request, determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the customer location;
and deducting the transaction amount corresponding to the client account from the client account.
2. The method of claim 1, wherein each banking system corresponds to a block, and further comprising, after more than a predetermined number of banking systems return an approval transaction instruction for the transaction request:
and each block is additionally provided with a node respectively to record the transaction information of the transaction request.
3. The method of claim 2, wherein broadcasting the transaction request to a plurality of banking systems having access to a blockchain when the banking systems at the customer site have access to the blockchain comprises:
and when the bank system at the client location has access to the block chain, broadcasting the transaction request to a plurality of bank systems having access to the block chain through the optimal block, wherein the optimal block is the block with the fastest response speed in the block chain.
4. The method of claim 1, wherein the originator and payee of the transaction request are both registered with the blockchain, and a receive two-dimensional code is returned to the payee of the transaction request after successful registration;
receiving a transaction request initiated overseas by a customer, comprising:
when the customer scans the two-dimensional code of the payee, a transaction request is generated.
5. A blockchain-based transaction processing apparatus, comprising:
the system comprises a transaction request receiving module, a block chain module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request initiated by a client overseas and judging whether a bank system where the client is located is accessed to the block chain, the block chain is accessed to a plurality of bank systems of the same bank, and the plurality of bank systems belong to different countries;
the broadcasting module is used for broadcasting the transaction request to a plurality of banking systems accessed to the block chain when the banking systems at the client locations have accessed to the block chain;
the exchange rate conversion module is used for determining the transaction amount corresponding to the place of the customer account according to the transaction amount in the transaction request and the exchange rate of the place where the customer is located after the bank system with more than the preset number returns the transaction approving instruction for the transaction request;
and the deduction module is used for deducting the transaction amount corresponding to the client account from the client account.
6. The apparatus of claim 5, further comprising: a transaction information recording module to:
and after the bank systems with more than the preset number return the transaction approving instructions for the transaction requests, each block is added with a node respectively to record the transaction information of the transaction requests, wherein each bank system corresponds to one block.
7. The apparatus of claim 6, wherein the broadcast module is specifically configured to:
and when the bank system at the client location has access to the block chain, broadcasting the transaction request to a plurality of bank systems having access to the block chain through the optimal block, wherein the optimal block is the block with the fastest response speed in the block chain.
8. The apparatus of claim 5, wherein the originator of the transaction request and the payee have both been registered with the blockchain, and a payee of the transaction request is returned a payee two-dimensional code after successful registration;
the transaction request receiving module is specifically configured to:
when the customer scans the two-dimensional code of the payee, a transaction request is generated.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110665323.2A CN113222605A (en) | 2021-06-16 | 2021-06-16 | Transaction processing method and device based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110665323.2A CN113222605A (en) | 2021-06-16 | 2021-06-16 | Transaction processing method and device based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113222605A true CN113222605A (en) | 2021-08-06 |
Family
ID=77080684
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110665323.2A Pending CN113222605A (en) | 2021-06-16 | 2021-06-16 | Transaction processing method and device based on block chain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113222605A (en) |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107705113A (en) * | 2017-09-06 | 2018-02-16 | 浙江大学 | A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system |
| CN108921531A (en) * | 2018-06-26 | 2018-11-30 | 广州友谱网络科技有限公司 | Cross-border payment and settlement method based on block chain payment system |
| CN110163749A (en) * | 2019-05-31 | 2019-08-23 | 深圳前海微众银行股份有限公司 | Money transfer method and device in a kind of block chain |
| 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 |
| CN111008825A (en) * | 2019-11-27 | 2020-04-14 | 山东爱城市网信息技术有限公司 | Cross-border payment method, device and medium based on block chain |
| 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 |
| CN111539705A (en) * | 2020-04-27 | 2020-08-14 | 中国银行股份有限公司 | Cross-border payment method and device based on block chain |
| CN112633872A (en) * | 2020-11-20 | 2021-04-09 | 建信金融科技有限责任公司 | Overseas aggregated two-dimensional code payment method, device, server and storage medium |
-
2021
- 2021-06-16 CN CN202110665323.2A patent/CN113222605A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107705113A (en) * | 2017-09-06 | 2018-02-16 | 浙江大学 | A kind of cross-border inter-bank method of payment of block chain based on Baas frameworks and system |
| CN108921531A (en) * | 2018-06-26 | 2018-11-30 | 广州友谱网络科技有限公司 | Cross-border payment and settlement method based on block chain payment system |
| CN110163749A (en) * | 2019-05-31 | 2019-08-23 | 深圳前海微众银行股份有限公司 | Money transfer method and device in a kind of block chain |
| 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 |
| CN111008825A (en) * | 2019-11-27 | 2020-04-14 | 山东爱城市网信息技术有限公司 | Cross-border payment method, device and medium based on block chain |
| 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 |
| CN111539705A (en) * | 2020-04-27 | 2020-08-14 | 中国银行股份有限公司 | Cross-border payment method and device based on block chain |
| CN112633872A (en) * | 2020-11-20 | 2021-04-09 | 建信金融科技有限责任公司 | Overseas aggregated two-dimensional code payment method, device, server and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110458557B (en) | Payment method, payment equipment and storage medium | |
| JP5264510B2 (en) | Method and system for billing an account | |
| CN108446904B (en) | Payment method, POS machine and POSP | |
| CN111179063B (en) | Credit card business data processing method, system and related nodes based on block chain | |
| CN103077454A (en) | Synchronous payment system | |
| CN112053232B (en) | Self-service equipment business accounting consistency processing method and device | |
| CN113052575A (en) | Bank note application method and device | |
| CN111768181A (en) | Data clearing system combining big data and credit block chain | |
| JP7369310B2 (en) | Digital currency oriented trading method and system | |
| CN114331400A (en) | Method and device for determining optimal payment channel and remittance service system | |
| CN110060058B (en) | Transaction method, device, equipment and readable storage medium | |
| CN106157141B (en) | Numerical value processing method and device | |
| CN109829815B (en) | Method, apparatus and storage medium for collecting agent | |
| CN113222605A (en) | Transaction processing method and device based on block chain | |
| CN101615275A (en) | A kind of method and system that realize online recharge and purchase card | |
| CN104143140B (en) | A kind of check cashes method, cashes system and circle deposit system | |
| CN113129006B (en) | Medical payment system and method | |
| CN115099801A (en) | Payment information processing method and device based on public cloud | |
| CN115293913A (en) | Early warning method and device for payment refusal risk of commercial draft acceptance person | |
| CN113837741A (en) | Counter business handling method and device based on mobile banking | |
| CN113487426A (en) | Multi-account product signing method and device | |
| CN112163858A (en) | Transaction method, device and equipment | |
| CN112766942A (en) | Method and system for oriented transaction of digital currency | |
| CN1787020A (en) | Bank card system of one house with multi-card and processing method thereof | |
| CN110570305A (en) | Game data processing method and device based on block chain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |