CN113935836A - Cross-border payment method, system, equipment and medium based on Fabric alliance chain - Google Patents
Cross-border payment method, system, equipment and medium based on Fabric alliance chain Download PDFInfo
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Abstract
The invention provides a cross-border payment method, a system, equipment and a medium based on a Fabric alliance chain, which comprise the following steps: acquiring a payment proposal, wherein the payment proposal comprises payment currency and payment amount; obtaining pre-configured exchange rate information of the transfer node, and determining a target transfer node according to payment currency, the exchange rate information and a preset exchange rate optimal principle; sending the intelligent contract generated by the target transfer node to the peer node, generating verification information by the peer node, and associating the verification information to the intelligent contract; and sending the intelligent contract carrying the verification information to the sequencing node to create a transaction block, and broadcasting the transaction block to the peer node to execute payment. According to the technical scheme of the embodiment, the target transit node can be selected according to the principle of optimal rate, the rate determining efficiency is improved, and the cross-border payment efficiency and reliability are effectively improved by utilizing the characteristic of weak centralization of the Fabric alliance chain.
Description
Technical Field
The invention relates to the technical field of a block chain, in particular to a cross-border payment method, a cross-border payment system, cross-border payment equipment and a cross-border payment medium based on a Fabric alliance chain.
Background
With the development of economic globalization, cross-border payment is more and more important in both business and consumption, traditional cross-border payment mainly depends on ways such as bank wire transfer, international credit cards, third-party payment companies and international credit cards, but payers have high requirements on payment safety, and as payers have certain requirements on timeliness and handling fees of capital circulation, and traditional cross-border payment methods have the problems of long payment period, high payment handling fees and insufficient safety, and cannot well meet the requirements of both payers.
With the advent of blockchain technology, a new solution is provided for cross-border payment, and the common blockchain cross-border payment methods mainly include a third-party operation organization management blockchain payment mode represented by Ripple and a payment mode for completing payment by means of digital currency on a public chain. However, the third party operation organization management block chain payment mode is difficult to centralize, financial reconciliation is needed, the operation cost is higher, the legality and price fluctuation of digital currency are larger, the use risk is larger, cross-border payment relates to more currency types, the exchange rates of different platforms are different, and the cross-border payment still faces the problems of low efficiency and low reliability.
Disclosure of Invention
The following is a summary of the subject matter described in detail herein. This summary is not intended to limit the scope of the claims.
The embodiment of the invention provides a cross-border payment method, system, equipment and medium based on a Fabric alliance chain, and the cross-border payment efficiency and safety can be improved.
In a first aspect, an embodiment of the present invention provides a method for cross-border payment based on a Fabric alliance chain, where the method includes:
obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate optimal principle;
generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information;
sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block.
In some embodiments, the verification information includes a digital signature and a pre-execution result, the peer node generating verification information and associating the verification information to the intelligent contract, including:
adding a digital signature to the intelligent contract through an endorsement node and a preset endorsement strategy;
sending the intelligent contract carrying the digital signature to a management node;
and determining a pre-execution result according to the intelligent contract through the management node, and associating the pre-execution result to the intelligent contract when the pre-execution result represents that the payment proposal is feasible.
In some embodiments, the determining, by the management node, a pre-execution result according to the smart contract comprises:
acquiring the current balance of the payment node;
acquiring the payment amount and a target exchange rate corresponding to the target transfer node from the intelligent contract, and determining the amount to be converted according to the payment amount and the target exchange rate, wherein the target exchange rate is specific to the payment currency;
and determining the pre-execution result as the payment proposal is feasible under the condition that the current balance is larger than the amount to be converted.
In some embodiments, said performing payment according to said transaction block comprises:
subtracting the amount to be converted from the current balance of the payment node to obtain a first target balance of the payment node;
subtracting the payment amount from the current balance of the target transfer node, and adding the amount to be converted to obtain a second target balance of the target transfer node;
and adding the payment amount to the current balance of the collection node to obtain a third target balance of the collection node.
In some embodiments, prior to said obtaining a payment proposal, the method further comprises:
determining a target channel from a plurality of channels;
and acquiring client registration information, and registering in the target channel according to the client registration information.
In some embodiments, prior to said obtaining a payment proposal, the method further comprises:
acquiring amount change information, and updating the current balance of the payment node according to the amount change information;
and acquiring exchange rate configuration information, and configuring the exchange rate information for the transfer node according to the exchange rate configuration information, wherein the exchange rate information is uniquely corresponding to the transfer node.
In some embodiments, said creating a transaction block by a sorting node comprises:
determining a contract to be processed of the target channel through the sequencing node;
determining the intelligent contract as a new contract to be processed;
and sequencing all the to-be-processed contracts of the target channel through the sequencing node to obtain the transaction block.
In a second aspect, an embodiment of the present invention provides a Fabric alliance chain-based cross-border payment system, configured to:
obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate condition;
generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information;
sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block.
In a third aspect, an embodiment of the present invention provides an electronic device, including: memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the computer program implementing a Fabric federation chain based cross-border payment method as described in the first aspect.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium storing computer-executable instructions for performing the method for cross-border payment based on the Fabric alliance chain as described in the first aspect.
The embodiment of the invention comprises the following steps: obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount; obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate optimal principle; generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information; sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract; sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node; and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block. According to the technical scheme of the embodiment, the target transit node can be selected according to the principle of optimal rate, the rate determining efficiency is improved, and the cross-border payment efficiency and reliability are effectively improved by utilizing the characteristic of weak centralization of the Fabric alliance chain.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the example serve to explain the principles of the invention and not to limit the invention.
FIG. 1 is a flow diagram of a method for cross-border payment based on a Fabric alliance chain, according to an embodiment of the present invention;
FIG. 2 is a flow diagram of validating an intelligent contract as provided by another embodiment of the invention;
FIG. 3 is a flow diagram providing for determining that an intelligent contract is feasible according to another embodiment of the present invention;
FIG. 4 is a flow chart of making a payment provided by another embodiment of the present invention;
FIG. 5 is a flow diagram of node registration provided by another embodiment of the present invention;
FIG. 6 is an exemplary diagram of updating balances provided by another embodiment of the present invention;
FIG. 7 is a flow chart of sorting provided by another embodiment of the present invention;
fig. 8 is a device diagram of an electronic apparatus according to another 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 is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
It should be noted that although functional blocks are partitioned in a schematic diagram of an apparatus and a logical order is shown in a flowchart, in some cases, the steps shown or described may be performed in a different order than the partitioning of blocks in the apparatus or the order in the flowchart. The terms "first," "second," and the like in the description, in the claims, or in the drawings described above, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order.
The invention provides a cross-border payment method, a system, equipment and a medium based on a Fabric alliance chain, wherein the cross-border payment method based on the Fabric alliance chain comprises the following steps: obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount; obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate optimal principle; generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information; sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract; sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node; and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block. According to the technical scheme of the embodiment, the target transit node can be selected according to the principle of optimal rate, the rate determining efficiency is improved, and the cross-border payment efficiency and reliability are effectively improved by utilizing the characteristic of weak centralization of the Fabric alliance chain.
Blockchain (Blockchain): the blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. The block chain, which is essentially a decentralized database, is a string of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, which is used for verifying the validity (anti-counterfeiting) of the information and generating a next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.
Blockchains are generally divided into three types: public chain (Public Blockchain), Private chain (Private Blockchain) and alliance chain (Consortium Blockchain).
Among them, the most decentralized is the public chain. Common public chains have bitcoin and ether houses, and nodes/participants joining the public chains can read data on the chains, issue transactions, compete for the accounting rights of new blocks and the like; also, each node/participant is free to join and leave the public chain. The private chain is contrary, the accounting authority of the private chain is controlled by a certain organization or organization, the data reading authority is also controlled by the organization or organization, and the number of participants is few, and the participants cannot be added into the private chain at will and need to be audited by the organization or organization.
A federation chain is also referred to as a community blockchain, which refers to a blockchain whose consensus process is controlled by a preselected node, and is a mixture of public and private chains, which can achieve "partial decentralization". Each node on the chain typically has a physical organization or organization corresponding to it; participants jointly maintain blockchain operation by authorizing to join the network and forming a benefit-related alliance. With a federation chain, a new participant can join an already formed blockchain and share data without having to build it from scratch. At the same time, companies have reduced development costs and time expenses by solving common problems together.
And a Block (Block) which refers to a data structure for recording transaction data, wherein each Block is provided with a time stamp, and the transaction data in each Block carries signature information.
Ledger (legger) is a general term for a block chain (also called Ledger data) and a state database synchronized with the block chain. Wherein, the blockchain records the transaction in the form of a file in a file system; the state database records the transactions in the blockchain in the form of different types of Key (Key) Value pairs for supporting fast query of the transactions in the blockchain.
Consensus (Consensus), a process in a blockchain network, is used to agree on a transaction in a block between the nodes involved, the agreed block to be appended to the end of the blockchain. Mechanisms to achieve consensus include Proof of workload (PoW, Proof of Work), Proof of rights and interests (PoS, Proof of stamp), Proof of equity authority (DPoS, relieved Proof of stamp), Proof of Elapsed Time (PoET, Proof of Elapsed Time), and the like.
A participant, also called a business entity, represents a specific entity identity (e.g., a company, an enterprise, a social group, etc.), and has its own root certificate in the blockchain network, and a node in the blockchain belongs to a participant, and the same participant may have multiple nodes in the same channel.
Currently, blockchains are generally divided into three types: public, private, and federation chains. The nodes of the public chain can realize data synchronization through full synchronization and quick synchronization, and the quick synchronization can help the nodes to quickly participate in the chain without waiting for a long time to synchronize historical account book data. The nodes of the private chain can also realize data synchronization in a quick synchronization mode. However, due to the difference between the networking forms of the public chain and the federation chain, the federation chain has a strict admission mechanism and authority management, which means that all the information of the participating members of the federation chain needs to be added to the chain, and the information of the participating members of the federation chain updates the uplink each time a new member is added. The new member node can only have the capability of normal operation when the new member node is synchronized to the block where the latest member information of the alliance chain is located. Thus, the fast synchronization approach of public chains is not applicable to federation chains. The fast synchronization method of the private chain often needs to rely on a third party, and the members of the federation chain cannot rely on the third party to ensure the reliability of the block data, so the fast synchronization method of the private chain is not suitable for the federation chain. The full-scale synchronization method of the public chain needs to spend a lot of time for data synchronization. The embodiment of the application can acquire and process related data based on an artificial intelligence technology. Among them, Artificial Intelligence (AI) is a theory, method, technique and application system that simulates, extends and expands human Intelligence using a digital computer or a machine controlled by a digital computer, senses the environment, acquires knowledge and uses the knowledge to obtain the best result.
The artificial intelligence infrastructure generally includes technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a robot technology, a biological recognition technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and the like.
It should be noted that the data in the embodiment of the present invention may be stored in a server, and the server may be an independent server, or may be a cloud server that provides basic cloud computing services such as cloud service, a cloud database, cloud computing, a cloud function, cloud storage, Network service, cloud communication, middleware service, domain name service, security service, Content Delivery Network (CDN), big data, and an artificial intelligence platform.
As shown in fig. 1, fig. 1 is a cross-border payment method based on a Fabric alliance chain, which is applied to a Fabric alliance chain system, where the Fabric alliance chain system includes a peer node, a sorting node, and a client node, where the client node includes a payment node, a collection node, and at least two transit nodes, and the method includes:
step S110, obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
step S120, obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to payment currency, exchange rate information and a preset exchange rate optimal principle;
step S130, generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises payment currency, payment amount and exchange rate information;
step S140, sending the intelligent contract to the peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
step S150, sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
step S160, broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sorting is valid transaction according to the local account book, performing payment according to the transaction block.
It is noted that a Fabric federation chain (also referred to as a Hyper-hedger Fabric block chain) is an enterprise-oriented federation chain that utilizes a Hyper book, and the nodes in a common Fabric federation chain typically include client nodes, Peer (Peer) nodes, and order (order) nodes. Also, a Fabric blockchain is typically configured with multiple channels (channels), each channel having its own closed ledger data and a chain code (chain code), wherein the chain code is embodied in the form of a smart contract in this embodiment.
It should be noted that the payment node and the collection node may be any client node, the client node initiating the payment is the payment node, and the node accepting the money is only required to be the collection node, for example, enterprise a and enterprise B are both registered in the same channel, enterprise a initiates the payment to enterprise B through its client node, the client node corresponding to enterprise a is the payment node, the client node corresponding to enterprise B is the collection node, and the payment node and the collection node are not absolutely defined but flexibly changed according to the object of the payment operation, and no limitation is made here.
It should be noted that the payment currency may be a currency corresponding to the balance of the payment node or a currency corresponding to the balance of the collection node, and may be obtained by conversion through exchange rate, for example, if the balance of the payment node is renminbi and the balance of the collection node is dollars, the payment currency may be dollars or renminbi, a specific currency is selected according to actual needs, and a specific payment amount is adjusted.
It is worth noting that, compared with the method of adopting a third party mechanism in the prior art, the transfer node is introduced in the embodiment, and different exchange rate information is configured in the transfer node, so that the connection of different currencies between the payment node and the collection node is realized, the payment node and the transfer node complete settlement, and the transfer node completes settlement with the collection node according to the same payment amount, so that the payment efficiency is improved.
It should be noted that, there may be any number of relay nodes, for example, an enterprise C and an enterprise D that can provide a relay service are registered as the relay nodes, and the exchange rate of the enterprise C is 1 dollar equal to 6.2 rmb, and the exchange rate of the enterprise D is 1 dollar equal to 6.1 rmb, if the optimal exchange rate principle in step S120 is for a payment node, the enterprise D may be selected as a target relay node, and if the optimal exchange rate principle in step S120 is for a collection node, the enterprise C may be selected as a target relay node, and a specific optimal exchange rate principle may be adjusted according to a time requirement, so as to improve flexibility of payment, and a relay node meeting the requirement may be matched quickly, so as to improve payment efficiency.
It should be noted that the smart contract may include a plurality of sub-contracts, for example, a user registration management contract, a fund management contract, a rate management contract and a payment management contract, wherein the user registration management contract is used for realizing registration of each participant, and the participant joins the authorization network after registration so as to perform corresponding payment operation; the fund management contract is used for configuring account balances of different client nodes, is used for payment or exchange and the like, and for example, the balance change can be realized through a common recharging function, which is not described in detail herein; the exchange rate management contract is used for realizing the analysis of the exchange rate information of the transfer node and the configuration of the principle of optimal exchange rate, for example, sequencing according to the exchange rate and the like; the payment contract is used for implementing the whole payment process, including transaction initiation, transfer selection, transaction verification, etc., and corresponding fields may be configured in the payment contract, for example, the originating client node, the payment time, the payment amount, the target transfer node, the transfer rate information corresponding to the target transfer node, the payment currency, the collected client node, the collection amount determined according to the transfer rate information and the payment amount, etc., which are determined according to the determined payment node and collection node, but not limited thereto.
It should be noted that the peer node generally includes an endorsement node and a review node, and is capable of reviewing and verifying the intelligent contract, when the intelligent contract meets the requirements of the Fabric alliance chain, for example, meets a preset endorsement policy and passes a review proposal, verification information may be added to the intelligent contract, after the review is completed, the intelligent contract may be sent to the channel for sorting, so as to create a transaction block, and the transaction block is broadcast to all peer nodes in the channel, and after the peer node verifies that the endorsement policy in the transaction block is correctly executed, since the Fabric alliance chain needs to complete payment according to the local ledger, it is also necessary to determine that the read set of the local ledger is not changed, and at this time, it may be determined that the transaction block is valid and payment is completed.
It should be noted that the sorting node is configured to sort the transactions, pack the sorted transactions into a transaction block according to a fixed time interval, and then broadcast the transaction block to each peer node. And after receiving the block, the submitting node verifies whether each payment in the block is valid, marks the valid transaction block, and then adds the transaction block into the ledger data to complete the transaction.
In addition, in an embodiment, the verification information includes a digital signature and a pre-execution result, and referring to fig. 2, step S140 of the embodiment shown in fig. 1 further includes, but is not limited to, the following steps:
step S210, adding a digital signature for the intelligent contract through the endorsement node and a preset endorsement strategy;
step S220, sending the intelligent contract with the digital signature to a management node;
and step S230, determining a pre-execution result through the management node according to the intelligent contract, and associating the pre-execution result to the intelligent contract when the pre-execution result represents that the payment proposal is feasible.
It should be noted that after the payment proposal initiated by the payment node, endorsement verification can be performed through a preset endorsement policy, and a digital signature is added after the verification is passed, so that a subsequent peer node can verify the transaction block conveniently.
It should be noted that after the endorsement is completed, the intelligent contract may be fed back to the management node to perform an audit proposal, and it is determined that the payment corresponding to the intelligent contract can be completed smoothly, for example, it may be determined that the payment node has a sufficient balance according to the exchange rate of the selected target transfer node, and it may be determined that the feasibility of the payment proposal is possible.
In addition, in an embodiment, referring to fig. 3, step S230 of the embodiment shown in fig. 2 further includes, but is not limited to, the following steps:
step S310, acquiring the current balance of the payment node;
step S320, obtaining payment amount and a target exchange rate corresponding to the target transfer node from the intelligent contract, and determining the amount to be converted according to the payment amount and the target exchange rate, wherein the target exchange rate is specific to the payment currency;
and step S330, determining the pre-execution result as feasible payment proposal under the condition that the current balance is larger than the amount to be converted.
It should be noted that, since there are multiple transfer nodes, and the present embodiment selects the target transfer node from the multiple transfer nodes based on the principle of optimal exchange rate, in order to ensure that the payment can be completed smoothly, after determining the target transfer node, it may determine that the payment node has enough balance according to the corresponding target exchange rate, for example, the balance of enterprise a is 1000 rmb, and initiate a 100-dollar payment proposal to enterprise B, the transfer node includes enterprise C and enterprise D, and the exchange rate of enterprise C is 1-6.2 rmb, the exchange rate of enterprise D is 1-6.1 rmb, enterprise D is selected as the target transfer node according to the principle of optimal exchange rate, and the target exchange rate is 1-6.1 rmb, the amount to be converted determined according to the payment amount of 100-is 610 rmb, and the balance of enterprise a is 1000 rmb and greater than 600 rmb, so that the payment proposal is feasible.
In addition, in an embodiment, referring to fig. 4, step S160 of the embodiment shown in fig. 1 further includes, but is not limited to, the following steps:
step S410, subtracting the amount to be converted from the current balance of the payment node to obtain a first target balance of the payment node;
step S420, subtracting the payment amount from the current balance of the target transfer node, and adding the amount to be converted to obtain a second target amount of the target transfer node;
and step S430, adding the payment amount to the current balance of the collection node to obtain a third target balance of the collection node.
It should be noted that, when the transfer node is used to perform the transfer of payment, the efficiency and reliability of payment can be improved, and both the payment node and the collection node can perform settlement according to their own currency types, and can save the complicated transaction flow and the handling fee compared with the prior art, for example, when the payment is performed on the basis of the example shown in fig. 3, the balance of enterprise a is 1000 rmb, the balance of enterprise B is 100 dollars, the balance of enterprise D is 8000 dollars, the payment amount is 100 dollars, the target exchange rate is 1 dollar to 6.1 rmb, after the payment is performed, enterprise a directly performs data subtraction to obtain 390 rmb, the balance of enterprise B and the payment amount are subjected to data addition to obtain 200 dollars, the balance of enterprise D is added with the amount to be converted and then the payment is performed, the obtained balances are 7900 dollars and 610 rmb, the currency conversion between the payment node and the collection node can be saved through the transfer node, and balance updating is directly carried out, so that the payment efficiency is effectively improved.
In addition, in an embodiment, the Fabric federation chain system includes a plurality of channels, and referring to fig. 5, before executing step S110 of the embodiment described in fig. 1, the method further includes, but is not limited to, the following steps:
step S510, determining a target channel from a plurality of channels;
step S520, obtaining the client registration information, and registering in the target channel according to the client registration information.
It should be noted that the client node initiates a transaction proposal to a channel in the Fabirc blockchain, and therefore, it is necessary to ensure that the payment node and the collection node complete registration in the target channel, so as to avoid the failure to complete payment. Based on the description of the embodiment of fig. 1, the payment node and the collection node are determined according to the role of payment, so that a certain client node does not need to be registered as the payment node or the collection node, and the determination is automatically performed according to the role of payment after the payment proposal is initiated.
It should be noted that, in the registration process, different role information may be configured in the client registration information, for example, some client nodes are registered as enterprise nodes, some client nodes are registered as transit nodes, and after payment is initiated, the enterprise nodes are respectively determined as payment nodes and collection nodes according to the direction of payment.
In addition, in an embodiment, referring to fig. 6, before performing step S110 of the embodiment shown in fig. 1, the following steps are further included, but not limited to:
step S610, acquiring the amount change information, and updating the current balance of the payment node according to the amount change information;
step S620, obtaining the exchange rate configuration information, and configuring the exchange rate information for the transfer node according to the exchange rate configuration information, wherein the exchange rate information uniquely corresponds to the transfer node.
It should be noted that, after the registration of the client node on the target channel is completed, the balance of any client node may be updated by the amount change information, for example, in order to ensure that the current balance of the payment node can complete the payment proposal, the amount change information may be acquired before the payment proposal is initiated, so as to update the current balance of the payment node.
It should be noted that the exchange rate information of the relay node may be adjusted according to the demand of the opportunity, for example, the exchange rate information may be adjusted by means of exchange rate configuration information.
It should be noted that the exchange rate information adjustment of the relay node does not affect the exchange rate optimization principle, for example, after a certain relay node reduces the exchange rate information corresponding to the certain relay node, the certain relay node may be determined as the target relay node according to the exchange rate optimization principle, or after the exchange rate information corresponding to the certain relay node is increased, the certain relay node may not be determined as the target relay node according to the exchange rate optimization principle, so that the flexibility of the payment process is effectively improved.
In addition, in an embodiment, referring to fig. 7, step S150 of the embodiment shown in fig. 1 further includes, but is not limited to, the following steps:
step S710, determining the contract to be processed of the target channel through the sequencing node;
step S720, determining the intelligent contract as a new contract to be processed;
and step S730, sequencing all the to-be-processed contracts of the target channel through the sequencing node to obtain the transaction block.
It should be noted that, a plurality of pending intelligent contracts are usually included in the target channel, and therefore, after the intelligent contracts are verified and broadcast to the target channel, the pending contracts currently existing in the target channel may be sorted by the sorting node, so as to ensure that the federation chain can update the local ledger according to the broadcast order of the intelligent contracts, and ensure that the transactions are executed in order.
In addition, in an embodiment, the present invention further provides a Fabric alliance chain-based cross-border payment system, where the Fabric alliance chain-based cross-border payment system is configured to:
acquiring a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to payment currency, the exchange rate information and a preset exchange rate condition;
generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises payment currency, payment amount and exchange rate information;
sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is effective transaction according to the local account book, executing payment according to the transaction block.
In addition, referring to fig. 8, an embodiment of the present invention also provides an electronic device 800, including: memory 810, processor 820, and a computer program stored on memory 810 and executable on processor 820.
The processor 820 and memory 810 may be connected by a bus or other means.
The non-transitory software programs and instructions required to implement the Fabric federation chain-based cross-border payment method of the above-described embodiment are stored in the memory 810, and when executed by the processor 820, perform the Fabric federation chain-based cross-border payment method applied to the device of the above-described embodiment, for example, perform the method steps S110 to S160 in fig. 1, S210 to S230 in fig. 2, S310 to S330 in fig. 3, S410 to S430 in fig. 4, S510 to S520 in fig. 5, S610 to S620 in fig. 6, and S710 to S730 in fig. 7 described above.
The above-described embodiments of the apparatus are merely illustrative, wherein the units illustrated as separate components may or may not be physically separate, i.e. may be located in one place, or may also be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.
Furthermore, an embodiment of the present invention further provides a computer-readable storage medium storing computer-executable instructions, which are executed by a processor or a controller, for example, by a processor in the above-mentioned electronic device embodiment, and can enable the processor to execute the method for cross border payment based on the Fabric federation chain applied to the device in the above-mentioned embodiment, for example, the method steps S110 to S160 in fig. 1, the method steps S210 to S230 in fig. 2, the method steps S310 to S330 in fig. 3, the method steps S410 to S430 in fig. 4, the method steps S510 to S520 in fig. 5, the method steps S610 to S620 in fig. 6, and the method steps S710 to S730 in fig. 7 described above are executed. One of ordinary skill in the art will appreciate that all or some of the steps, systems, and methods disclosed above may be implemented as software, firmware, hardware, and suitable combinations thereof. Some or all of the physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on computer readable media, which may include computer storage media (or non-transitory media) and communication media (or transitory media). The term computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data, as is well known to those of ordinary skill in the art. Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, Digital Versatile Disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can accessed by a computer. In addition, communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media as known to those skilled in the art.
The application is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. Each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present application may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the application. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present application.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the embodiments disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains.
It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.
While the preferred embodiments of the present invention have been described in detail, it will be understood by those skilled in the art that the foregoing and various other changes, omissions and deviations in the form and detail thereof may be made without departing from the scope of this invention.
Claims (10)
1. A cross-border payment method based on a Fabric alliance chain is characterized by comprising the following steps:
obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate optimal principle;
generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information;
sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block.
2. The Fabric federation chain-based cross-border payment method of claim 1, wherein the verification information comprises a digital signature and a pre-execution result, the generating, by the peer node, verification information and associating the verification information to the smart contract comprises:
adding a digital signature to the intelligent contract through an endorsement node and a preset endorsement strategy;
sending the intelligent contract carrying the digital signature to a management node;
and determining a pre-execution result according to the intelligent contract through the management node, and associating the pre-execution result to the intelligent contract when the pre-execution result represents that the payment proposal is feasible.
3. The method of Fabric federation chain-based cross-border payment of claim 2, wherein the determining, by the management node, a pre-execution result from the smart contract comprises:
acquiring the current balance of the payment node;
acquiring the payment amount and a target exchange rate corresponding to the target transfer node from the intelligent contract, and determining the amount to be converted according to the payment amount and the target exchange rate, wherein the target exchange rate is specific to the payment currency;
and determining the pre-execution result as the payment proposal is feasible under the condition that the current balance is larger than the amount to be converted.
4. The Fabric federation chain-based cross-border payment method of claim 3, wherein the performing payment according to the transaction block comprises:
subtracting the amount to be converted from the current balance of the payment node to obtain a first target balance of the payment node;
subtracting the payment amount from the current balance of the target transfer node, and adding the amount to be converted to obtain a second target balance of the target transfer node;
and adding the payment amount to the current balance of the collection node to obtain a third target balance of the collection node.
5. The Fabric federation chain-based cross-border payment method of claim 1, wherein prior to the obtaining a payment proposal, the method further comprises:
determining a target channel from a plurality of channels;
and acquiring client registration information, and registering in the target channel according to the client registration information.
6. The Fabric federation chain-based cross-border payment method of claim 5, wherein prior to the obtaining a payment proposal, the method further comprises:
acquiring amount change information, and updating the current balance of the payment node according to the amount change information;
and acquiring exchange rate configuration information, and configuring the exchange rate information for the transfer node according to the exchange rate configuration information, wherein the exchange rate information is uniquely corresponding to the transfer node.
7. The Fabric federation chain-based cross-border payment method of claim 5, wherein the creating a transaction block by a sequencing node comprises:
determining a contract to be processed of the target channel through the sequencing node;
determining the intelligent contract as a new contract to be processed;
and sequencing all the to-be-processed contracts of the target channel through the sequencing node to obtain the transaction block.
8. A Fabric federation chain-based cross-border payment system, the Fabric federation chain-based cross-border payment system being configured to:
obtaining a payment proposal, wherein the payment proposal is initiated to a collection node by a payment node and comprises a payment currency and a payment amount;
obtaining pre-configured exchange rate information of the transfer nodes, and determining a target transfer node from at least two transfer nodes according to the payment currency, the exchange rate information and a preset exchange rate condition;
generating an intelligent contract through the target transfer node, wherein the intelligent contract comprises the payment currency, the payment amount and the exchange rate information;
sending the intelligent contract to a peer node, generating verification information through the peer node, and associating the verification information to the intelligent contract;
sending the intelligent contract carrying the verification information to a sequencing node, and creating a transaction block through the sequencing node;
and broadcasting the transaction block to the peer node, and when the peer node determines that the transaction block obtained by sequencing is an effective transaction according to a local account book, executing payment according to the transaction block.
9. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor when executing the computer program implements the method of Fabric federation chain-based cross-border payment according to any one of claims 1 to 7.
10. A computer-readable storage medium having stored thereon computer-executable instructions for performing the Fabric alliance chain based cross-border payment method of any one of claims 1 to 7.
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