CN114118988A - Cross-border remittance method and device based on block chain and electronic equipment - Google Patents

Cross-border remittance method and device based on block chain and electronic equipment Download PDF

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CN114118988A
CN114118988A CN202111315898.8A CN202111315898A CN114118988A CN 114118988 A CN114118988 A CN 114118988A CN 202111315898 A CN202111315898 A CN 202111315898A CN 114118988 A CN114118988 A CN 114118988A
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remittance
cross
border
intelligent contract
information
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韩喆
陈聪明
刘肖飞
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Shanghai Ant Chuangjiang Information Technology Co ltd
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Alipay Hangzhou Information Technology Co Ltd
Ant Blockchain Technology Shanghai Co Ltd
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Priority to PCT/CN2022/127252 priority patent/WO2023078124A1/en
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Abstract

A block chain-based cross-border remittance method and device and electronic equipment are disclosed. In the application, cross-link communication is carried out based on a first intelligent contract deployed in a first blockchain and a second intelligent contract deployed in a second blockchain, account fund information stored in the second blockchain related to the cross-border remittance service is obtained, data verification is carried out on the account fund information and remittance information stored in the first blockchain, and the transaction state of the cross-border remittance service is updated and maintained according to the data verification result. On the one hand, data consistency of cross-link data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the block chain and the characteristic that data cannot be tampered, cross-border remittance participants can inquire and confirm the transaction state of the cross-border remittance service in real time, and transparency and safety of cross-border remittance are improved.

Description

Cross-border remittance method and device based on block chain and electronic equipment
Technical Field
One or more embodiments of the present disclosure relate to the field of blockchain technologies, and in particular, to a method and an apparatus for cross-border remittance based on blockchain, and an electronic device.
Background
Cross-border remittance refers to a transaction in which a user remittance to a receiving account held by an overseas bank within a prescribed remittance limit. The conventional cross-border remittance is mainly realized by establishing a remittance channel based on a SWIFT (society for world wide international financial and telecommunications association, global banking and financial communications association) system. However, when cross-border remittance is performed based on SWIFT channels, since SWIFT system involves inter-bank transfers and manual operations of a plurality of intermediate banks, it results in poor timeliness and high commission fees for cross-border remittance, such as: it generally takes 2-5 days to transfer across borders to get account, and each intermediate link involved in the transfer is charged.
In addition, for consumer users (class C users) with small amount and frequency of cross-border remittance, although the fast-remittance company can provide a cross-border remittance scheme with an account from hour to hour, the fast-remittance scheme is based on the cross-border remittance transaction system of the fast-remittance company, and for commercial institutions (class B institutions) with large amount and frequency of cross-border remittance and self-owned cross-border remittance transaction systems, the centralized cross-border remittance transaction system of the fast-remittance company cannot be safely and truthfully based on.
The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.
Disclosure of Invention
The present specification provides a border crossing remittance method based on a block chain, which is applied to a border crossing remittance management system built based on a first block chain and a second block chain. Wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the method comprises the following steps:
when the transaction state is determined to indicate that cross-border remittance participants confirm that the remittance information passes, invoking a query logic in a first intelligent contract to invoke a second intelligent contract to query for a transfer state of account fund information maintained by the second intelligent contract;
and when the transfer state indicates that the account fund corresponding to the account fund information is successfully transferred, further calling a first intelligent contract to perform data verification on the account fund information and the remittance information, and updating the transaction state based on a data verification result so that the cross-border remittance participant executes cross-border remittance corresponding to the remittance information when the transaction state indicates success.
Optionally, the cross-border money transfer participant comprises a money transfer initiator, and the method further comprises:
receiving a money transfer request initiated by a money transfer initiator for storing the money transfer information; in response to the credentialing request, crediting the remittance information in a first blockchain is invoked by credentialing logic of a first intelligent contract.
Optionally, the remittance information includes a remittance account number, a remittance amount, a remittance currency and a remittance account number;
the credentialing logic invoking the first intelligent contract crediting the remittance information in a first blockchain, comprising:
a deposit logic in the first smart contract is invoked to store the money transfer account number, money transfer amount, money transfer currency, and money collection account number in a first blockchain.
Optionally, the cross-border remittance participant further comprises a liquidity provider; the method further comprises the following steps:
and the liquidity provider obtains the remittance amount and the remittance currency from the first blockchain, so that the liquidity provider performs liquidity calculation based on the remittance amount and the remittance currency to obtain a remittance rate corresponding to the remittance currency and a first remittance amount of the remittance amount under the remittance rate, and updates the first remittance amount to the remittance information stored on the chain.
Optionally, the cross-border money transfer participants further comprise money transfer receivers; the method further comprises the following steps:
the remittance receiver obtains the remittance information from the first blockchain, confirms the remittance information obtained, and stores the confirmation result of the remittance information in the first blockchain.
Optionally, the cross-border remittance participant further comprises a receiving and paying mechanism; the method further comprises the following steps:
the receiving and paying institution acquires the remittance information from the first blockchain, confirms the remittance information acquired, and stores the confirmation result of the remittance information in the first blockchain.
Optionally, the account fund information includes a transfer amount for the cross-border remittance service transferred from the account fund deposited in the second blockchain by the cross-border remittance participant;
the invoking of the first intelligent contract to perform data validation on the account fund information and the remittance information comprises:
calling a query logic in the first intelligent contract to cross-link and call a second intelligent contract to query and obtain the transfer amount, and storing the transfer amount in the first block chain;
and invoking verification logic in the first intelligent contract to perform data verification on the transfer amount and the first remittance amount, and storing the verification result in the first block chain based on the data verification.
Optionally, the invoking validation logic in the first intelligent contract to perform data validation on the transfer amount and the first remittance amount includes:
verification logic in the first intelligent contract is invoked to verify that the transfer amount and the first remittance amount are consistent.
Optionally, the transfer amount and the first remittance amount are respectively homomorphic encrypted by the corresponding cross-border remittance participant based on a homomorphic encryption algorithm;
the invoking validation logic in the first intelligent contract to perform data validation of the transfer amount and the first remittance amount includes:
verification logic in the first intelligent contract is invoked to verify that the homomorphic encrypted transfer amount and the first remittance amount are consistent.
Optionally, the updating the transaction status based on the data verification result includes:
when the data verification result is passed, updating the transaction state to be successful; otherwise, updating the transaction state to failure.
Optionally, the block chain is a federation chain.
The present specification also provides a block chain based trans-border remittance apparatus; the system is applied to a cross-border remittance management system built based on a first block chain and a second block chain; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the device comprises:
the query module is used for calling a query logic in a first intelligent contract to cross-link and call a second intelligent contract to query to obtain the transfer state of account fund information maintained by the second intelligent contract when the transaction state indicates that the cross-border remittance participant confirms that the remittance information passes;
and the remittance module is used for further calling a first intelligent contract to perform data verification on the account fund information and the remittance information when the transfer state indicates that the account fund corresponding to the account fund information is successfully transferred, and updating the transaction state based on a data verification result so as to enable the cross-border remittance participant to execute cross-border remittance corresponding to the remittance information when the transaction state indicates that the cross-border remittance participant is successful.
Optionally, the cross-border remittance participant comprises a remittance initiator, the apparatus further comprises a deposit module, and the deposit module:
receiving a money transfer request initiated by a money transfer initiator for storing the money transfer information; in response to the credentialing request, crediting the remittance information in a first blockchain is invoked by credentialing logic of a first intelligent contract.
Optionally, the remittance information includes a remittance account number, a remittance amount, a remittance currency and a remittance account number;
the evidence storage module further:
a deposit logic in the first smart contract is invoked to store the money transfer account number, money transfer amount, money transfer currency, and money collection account number in a first blockchain.
Optionally, the cross-border remittance participant further comprises a liquidity provider; the evidence storage module further:
and the liquidity provider obtains the remittance amount and the remittance currency from the first blockchain, so that the liquidity provider performs liquidity calculation based on the remittance amount and the remittance currency to obtain a remittance rate corresponding to the remittance currency and a first remittance amount of the remittance amount under the remittance rate, and updates the first remittance amount to the remittance information stored on the chain.
Optionally, the cross-border money transfer participants further comprise money transfer receivers; the evidence storage module further:
the remittance receiver obtains the remittance information from the first blockchain, confirms the remittance information obtained, and stores the confirmation result of the remittance information in the first blockchain.
Optionally, the cross-border remittance participant further comprises a receiving and paying mechanism; the evidence storage module further:
the receiving and paying institution acquires the remittance information from the first blockchain, confirms the remittance information acquired, and stores the confirmation result of the remittance information in the first blockchain.
Optionally, the account fund information includes a transfer amount for the cross-border remittance service transferred from the account fund deposited in the second blockchain by the cross-border remittance participant;
the money transfer module further:
calling a query logic in the first intelligent contract to cross-link and call a second intelligent contract to query and obtain the transfer amount, and storing the transfer amount in the first block chain;
and invoking verification logic in the first intelligent contract to perform data verification on the transfer amount and the first remittance amount, and storing the verification result in the first block chain based on the data verification.
Optionally, the money transfer module further:
verification logic in the first intelligent contract is invoked to verify that the transfer amount and the first remittance amount are consistent.
Optionally, the transfer amount and the first remittance amount are respectively homomorphic encrypted by the corresponding cross-border remittance participant based on a homomorphic encryption algorithm;
the money transfer module further:
verification logic in the first intelligent contract is invoked to verify that the homomorphic encrypted transfer amount and the first remittance amount are consistent.
Optionally, the money transfer module further:
when the data verification result is passed, updating the transaction state to be successful; otherwise, updating the transaction state to failure.
Optionally, the block chain is a federation chain.
The application also provides an electronic device, which comprises a communication interface, a processor, a memory and a bus, wherein the communication interface, the processor and the memory are mutually connected through the bus;
the memory stores machine-readable instructions, and the processor executes the method by calling the machine-readable instructions.
The present application also provides a machine-readable storage medium having stored thereon machine-readable instructions which, when invoked and executed by a processor, implement the above-described method.
In the above technical solution, cross-link communication is performed based on a first intelligent contract deployed in a first blockchain and a second intelligent contract deployed in a second blockchain, account fund information stored in the second blockchain related to the cross-border remittance service is acquired and subjected to data verification with remittance information stored in the first blockchain, and the transaction state of the cross-border remittance service is updated and maintained according to the data verification result. On the one hand, data consistency of cross-link data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the block chain and the characteristic that data cannot be tampered, cross-border remittance participants can inquire and confirm the transaction state of the cross-border remittance service in real time, and transparency and safety of cross-border remittance are improved.
Drawings
Fig. 1 is a block chain networking diagram for intelligent contract-based cross-border remittance according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of a block chain based trans-border remittance method provided by an embodiment of the present description;
FIG. 3 is a schematic diagram of an interactive process for cross-border remittance based on intelligent contract cross-link communication according to an embodiment of the present description;
fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification;
fig. 5 is a block diagram of a block chain-based cross-border money transfer device according to an embodiment of the present disclosure.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.
Referring to fig. 1, fig. 1 is a schematic diagram illustrating a block chain for cross-border money transfer based on an intelligent contract according to an embodiment of the present disclosure.
As shown in fig. 1, the network includes a first blockchain, a second blockchain, a money transfer initiator, a liquidity provider, a receiving and paying institution, a money transfer recipient; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first blockchain has deposited therein money transfer information corresponding to the cross-border money transfer service. When the remittance initiator is pre-added to the second blockchain network as a node device of the second blockchain, the remittance initiator can also be added to the first blockchain network as a node device of the first blockchain to maintain the blockchain account book of the first blockchain together with the mobility provider, the receiving and paying institution and the remittance receiver of the node device of the first blockchain.
In practical applications, of course, when the mobility provider, the receiving and payment institution, and the remittance receiver have previously accessed to other blockchains in their respective corresponding service management systems, the mobility provider, the receiving and payment institution, and the remittance receiver may also join the first blockchain network as node devices of the first blockchain.
In practical applications, the remittance originator, the liquidity provider, the receiving and paying institution, and the remittance recipient may access the blockchain by maintaining a connection with a node device on the blockchain, instead of adding the node device to the blockchain, and persistently store data generated by the node device in the blockchain.
Based on the networking architecture shown in fig. 1, the present specification aims to propose a cross-border remittance technical solution for performing cross-link binding communication based on multiple intelligent contracts of different block chains to ensure consistency of cross-link data related to remittance.
In implementation, the cross-border remittance management system is built based on the first block chain and the second block chain; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first blockchain has deposited therein money transfer information corresponding to the cross-border money transfer service.
Further, upon determining that the transaction status indicates that the cross-border money transfer participant has passed the confirmation of the money transfer information, invoking a query logic in the first intelligent contract to cross-chain invoke a second intelligent contract to query for a transfer status of account fund information maintained by the second intelligent contract.
Further, when the transfer state indicates that the account fund corresponding to the account fund information is successfully transferred, the first intelligent contract is further invoked to perform data verification on the account fund information and the remittance information, and the transaction state is updated based on the data verification result, so that each cross-border remittance participant performs cross-border remittance corresponding to the remittance information when the transaction state indicates success.
In the above technical solution, cross-link communication is performed based on a first intelligent contract deployed in a first blockchain and a second intelligent contract deployed in a second blockchain, account fund information stored in the second blockchain related to the cross-border remittance service is acquired and subjected to data verification with remittance information stored in the first blockchain, and the transaction state of the cross-border remittance service is updated and maintained according to the data verification result. On the one hand, data consistency of cross-link data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the block chain and the characteristic that data cannot be tampered, cross-border remittance participants can inquire and confirm the transaction state of the cross-border remittance service in real time, and transparency and safety of cross-border remittance are improved.
The present specification is described below with reference to specific embodiments and specific application scenarios.
Referring to fig. 2, fig. 2 is a flow chart of a block chain based trans-border money transfer method according to an exemplary embodiment; the method is applied to a cross-border remittance management system built on the basis of a first block chain and a second block chain; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the method comprises the following steps:
step 202, when it is determined that the transaction state indicates that the cross-border remittance participant confirms the remittance information, invoking a query logic in the first intelligent contract to invoke a cross-link to invoke a second intelligent contract to query for a transfer state of account fund information maintained by the second intelligent contract.
Step 204, when the transfer state indicates that the transfer of the account fund corresponding to the account fund information is successful, further invoking a first intelligent contract to perform data verification on the account fund information and the remittance information, and updating the transaction state based on a data verification result, so that each cross-border remittance participant executes cross-border remittance corresponding to remittance information when the transaction state indicates that the transfer is successful.
Blockchains are generally divided into three types: public chain (Public Blockchain), Private chain (Private Blockchain) and alliance chain (Consortium Blockchain). Furthermore, there may be a combination of the above types, such as private chain + federation chain, federation chain + public chain, and so on.
Among them, the most decentralized is the public chain. The public chain is represented by bitcoin and ether house, and participants (also called nodes in the block chain) joining the public chain can read data records on the chain, participate in transactions, compete for accounting rights of new blocks, and the like. Moreover, each node can freely join or leave the network and perform related operations.
Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain may be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for use within a particular establishment.
A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; the nodes are authorized to join the network and form a benefit-related alliance, and block chain operation is maintained together.
In this specification, the first blockchain is any type of blockchain that is deployed to maintain the transaction status of the cross-border remittance participant performing the cross-border remittance service; the specific type of the first blockchain may include any one of a public chain, a private chain, and a federation chain.
For example, in practical applications, the first blockchain may be a federation chain.
In this specification, the second blockchain is any type of blockchain that deploys a second intelligent contract for maintaining the transfer status of account fund information of the cross-border money transfer participant; the specific type of the second blockchain may include any one of a public chain, a private chain, and a federation chain.
For example, in practical applications, the second blockchain may be a federation chain.
In this specification, the cross-border remittance participant means a participant who performs a cross-border remittance service.
For example, in practical applications, the cross-border money transfer participants may specifically include an originating money transfer initiator, a liquidity provider, a receiving and paying institution, and a money transfer receiver.
In this description, the money transfer originator may include any commercial establishment (class B establishment) located within the home that has a large amount and frequency of cross-border money transfers and that has a separate funds management system.
For example, the remittance initiator may be a payroll system or other third-party financial institution that is located in the home and has a fund management system independently.
In this specification, the collection and payment institution may include a banking institution located indoors or outdoors to support cross-border remittance; wherein the remittance initiator opens a remittance account for initiating the cross-border remittance at the receiving and payment institution.
For example, the receiving and payment institution may be a hangzhou branch of a host bank supporting cross-border remittance, and the payment system opens a remittance account for initiating the cross-border remittance at the branch.
For another example, the remittance receiving organization may be a local U.S. branch office of a citizen bank supporting cross-border remittance, and the remittance account for initiating the cross-border remittance is opened at the branch office by the tender bank system.
For another example, the remittance receiving institution may specifically include a hangzhou branch of an intra-country carrier bank supporting cross-border remittance and an overseas U.S. branch of a citizens bank supporting cross-border remittance; the Hangzhou branch of the recruiter bank and the American branch of the Douglas Bank cooperate to perform the cross-border remittance service.
In this specification, the remittance receiver may include any type of remittance receiver located abroad for receiving the cross-border remittance of the receipt and payment institution; the remittance receiver opens a remittance account for receiving the cross-border remittance in the remittance receiving and paying institution.
Continuing with the above example, the money transfer recipient may specifically include a class C user or a class B organization that opens a money receiving account at a national branch of douglas-bang. For example, taking the remittance receiver as a class B organization as an example, the remittance receiver may be specifically a morgan university bank united states branch.
In this specification, the liquidity Provider may include a liquidity Provider (Liquid Provider) that provides liquidity services during a cross-border remittance transaction;
the liquidity provider can provide liquidity services such as fund transfer, payment underlay, currency exchange and the like in the process that the remittance initiator performs cross-border remittance to the remittance receiver through the receiving and paying institution.
Continuing the example from the above example, the liquidity provider may specifically include a branch bank opened by a citizens bank, such as: hangzhou branch of American ginseng bank; the method is characterized in that mobile services such as fund transfer, payment padding and currency conversion are provided in the process that a payment system conducts cross-border remittance to the Morgan Datong bank (the payment system remits remittance funds in a remittance account opened by a Hangzhou branch of a tendering bank to a collection account opened by a American branch of the Morgan Datong bank at the American branch of the Huaqi bank through the Hangzhou branch of the tendering bank and the American branch of the Huaqi bank).
In this specification, the cross-border money transfer participant may also have a pre-access to the second blockchain network before accessing the first blockchain.
Taking the cross-border money transfer participant as the money transfer initiator, please refer to fig. 1, the money transfer initiator may also access the second blockchain in advance before accessing the first blockchain.
In practice, the liquidity provider, the receiving and paying institution, and the remittance receiver may be connected to another block chain in the corresponding service management system before being connected to the first block chain, and the present specification is not limited thereto.
The remittance initiator, the liquidity provider, the receiving and paying institution, and the remittance receiver may be added to a blockchain network as node devices of blockchains (e.g., the first blockchain, the second blockchain, and other blockchains) to commonly maintain a blockchain account book. Of course, in practical applications, the remittance initiator, the receiving and payment institution and the remittance receiver may also access the blockchain by keeping connection with the node devices on the blockchain instead of adding the node devices to the blockchain, and persistently store the data generated by the block chain.
In this specification, the remittance information refers to remittance information corresponding to a cross-border remittance service.
In one illustrative embodiment, the first blockchain may receive a request from the money transfer initiator to store the money transfer information when the cross-border money transfer participant comprises the money transfer initiator; in response to the credentialing request, the credentialing logic of the first intelligent contract is invoked to credited the remittance information in a first blockchain.
Continuing with the above example, taking the remittance initiator as the payer system, the first blockchain may receive a deposit request initiated by the payer system for depositing remittance information; in response to the credentialing request, crediting the remittance information in the first blockchain is invoked by credentialing logic of the first intelligent contract.
In one illustrated embodiment, the money transfer information may include a money transfer account number, a money transfer amount, a money transfer currency, and a money transfer account number.
For example, when the user performs cross-border remittance through the remittance initiator, the remittance initiator may obtain and store information, such as a remittance account number, a remittance amount, a remittance currency, and a remittance account number, input by the user as remittance information.
In this specification, further, in the process of calling the deposit logic of the first intelligent contract to deposit the remittance information in the first blockchain, the first blockchain may call the deposit logic of the first intelligent contract to deposit the remittance account number, the remittance amount, the remittance currency and the remittance account number in the first blockchain.
Of course, in practical applications, the remittance information may also include user identity information, contact information, etc.
In one embodiment, when the cross-border money transfer participant further includes the liquidity provider, the liquidity provider may obtain the money transfer amount and the money transfer denomination from the first blockchain, perform liquidity calculation based on the money transfer amount and the money transfer denomination to obtain a money transfer rate corresponding to the money transfer denomination and a first money transfer amount of the money transfer amount at the money transfer rate, and update the first money transfer amount to the money transfer information of the chain deposit.
Continuing with the above example, taking the liquidity provider as the bang office, the bang office can obtain the remittance amount (e.g. 1 ten thousand) and the remittance currency (e.g. rmb) deposited on the first block chain by the payment system, and the liquidity calculation is performed based on the remittance amount and the remittance currency to obtain the remittance rate corresponding to the remittance currency (e.g. remittance rate of rmb to other currencies; wherein the other currencies may specifically include any one or more combinations of dollars, euros, yens, and the like) and the first remittance amount of the remittance amount at the remittance rate, and update the first remittance amount into remittance information deposited on the chain. Such as: taking the remittance amount as 1 ten thousand yuan RMB and the RMB-to-dollar remittance rate of 0.15 as an example, the first remittance amount is $ 1500.
In addition, in practical applications, in addition to updating the first remittance amount to the chain-deposited remittance information, the remittance rate corresponding to the first remittance amount may also be updated to the chain-deposited remittance information.
In this specification, the cross-border money transfer participant may confirm the money transfer information after the money transfer information is stored in the first block chain.
In one embodiment, when the cross-border money transfer participant further includes the money transfer recipient, the money transfer recipient may obtain the money transfer information from the first blockchain, confirm the obtained money transfer information, and store the confirmation result of the money transfer information in the first blockchain.
Following the above example, taking the remittance receiver as the morgan university bank, united states branch may obtain remittance information from the first block chain and confirm the obtained remittance information (for example, may include performing validity check on the remittance account number, the remittance amount, the remittance currency, the collection account number, the first remittance amount and the corresponding remittance rate in the remittance information), and sign the confirmation result of the remittance information with the held private key and store the signature in the first block chain.
In one embodiment, when the cross-border remittance participant further includes the receiving and payment mechanism, the receiving and payment mechanism may obtain the remittance information from the first blockchain, confirm the obtained remittance information, and store a confirmation result of the remittance information in the first blockchain.
Continuing with the above example, taking the examples that the payment and receipt institution includes hangzhou branch of the tendering bank and american branch of the douglas-bang bank, the hangzhou branch of the tendering bank and the american branch of the douglas-bang bank may respectively obtain remittance information from the first blockchain and respectively confirm the obtained remittance information (for example, validity check may be performed on the remittance account number, remittance amount, remittance currency, collection account number, first remittance amount and corresponding remittance rate thereof in the remittance information), and sign the confirmation result of the remittance information with the respective private key and then store the signed result in the first blockchain.
Similarly, the liquidity provider may also obtain the remittance information from the first blockchain and confirm the remittance information obtained, and store the confirmation result of the remittance information in the first blockchain, which will not be described herein again.
In this specification, the first blockchain may invoke the first intelligent contract to check the confirmation result of the cross-border remittance participant for the remittance information, which is verified in the first blockchain, and determine the transaction status for maintaining the cross-border remittance participant to perform the cross-border remittance service based on the check result.
For example, in practical applications, the transaction status may indicate that all cross-border money transfer participants (e.g., the money transfer initiator, the liquidity provider, the payment receiving/paying institution, and the money transfer receiver) have confirmed the certified money transfer information stored on the chain, or may indicate that some cross-border money transfer participants have not confirmed the certified money transfer information stored on the chain.
In this specification, the account fund information may include a transfer amount for the cross-border remittance service transferred from an account balance of the cross-border remittance participant in the second blockchain in the fund management system constructed based on the second blockchain; wherein the transfer amount is credited in the second blockchain.
For example, taking the cross-border remittance participant as the remittance initiator and the remittance initiator as the treasury system as an example, the account fund information may specifically include a transfer amount M (e.g., the transfer amount is 1 ten thousand RMB) for the cross-border remittance service transferred from the account balance N (e.g., the account balance is 100 ten thousand RMB) of the funding management system established based on the second blockchain, where the transfer amount M is stored in the second blockchain.
In this specification, the transfer status is used to indicate whether the account fund corresponding to the account fund information is transferred from the account balance certified in the second block chain by the fund management system.
Continuing with the above example, the transfer status may indicate that the transfer amount M (e.g., 1 ten thousand renminbi) has been successfully transferred from account balance N (e.g., 100 ten thousand renminbi) (where account balance N is (100 ten thousand renminbi-1 ten renminbi is 99 ten thousand renminbi), or that the transfer amount M has not been successfully transferred from account balance N (where account balance N is (100 ten thousand renminbi).
In this specification, when it is determined that the transaction status indicates that the confirmation result of the cross-border remittance participant on the remittance information certified on the chain is all passed, the first blockchain may invoke the query logic in the first intelligent contract to cross-link invoke the second intelligent contract to query for the transfer status of the account fund information maintained by the second intelligent contract.
Continuing the example above, upon determining that the transaction status maintained by the first intelligent contract indicates that all cross-border remittance participants have passed the confirmation of the chain-credited remittance information, the first blockchain may invoke query logic in the first intelligent contract to cross-chain invoke a second intelligent contract to query for a transfer status of account fund information maintained by the second intelligent contract.
In this specification, when the transfer status indicates that the transfer of the account fund corresponding to the account fund information is successful, the first block chain further calls the first intelligent contract to perform data verification on the account fund information and the remittance information.
In one embodiment, during the data verification of the account fund information and the remittance information by invoking the first intelligent contract, the first blockchain invokes the second intelligent contract across chains by invoking the query logic in the first intelligent contract to query for the transfer amount, and stores the transfer amount in the first blockchain.
Continuing the example above, the first blockchain obtains the transfer amount M (e.g., 1 million RMB or $ 1500) by invoking the query logic in the first intelligent contract to query across the chain for the second intelligent contract, and crediting the transfer amount in the first blockchain.
In one illustrative embodiment, the first blockchain invokes verification logic in the first intelligent contract to verify that the transfer amount and first remittance amount match during a data verification of the transfer amount and first remittance amount invoked by verification logic in the first intelligent contract.
Continuing the example above, the first blockchain verifies that the transfer amount M and the first remittance amount are consistent by invoking a validation logic in the first intelligent contract to transfer the amount M (e.g., 1 million RMB or $ 1500).
It should be noted that, in the process of verifying whether the transfer amount and the first remittance amount are consistent, the first intelligent contract may be invoked to convert the transfer amount and the first remittance amount into the amount of the same currency based on the transfer rate corresponding to the first remittance amount certified on the chain, and then compare the amounts converted into the same currency to determine whether the amounts are consistent.
In one illustrated embodiment, the transfer amount and the first remittance amount are homomorphic encrypted by the corresponding cross-border remittance participant based on a homomorphic encryption algorithm, and the first blockchain invokes the verification logic in the first intelligent contract to verify whether the transfer amount and the first remittance amount after homomorphic encryption are consistent in the process of invoking the verification logic in the first intelligent contract to perform data verification on the transfer amount and the first remittance amount.
Following the above example, continuing with the transfer amount being homomorphic encrypted by the money transfer initiator based on the homomorphic encryption algorithm, and the first money transfer amount being homomorphic encrypted by the liquidity provider based on the homomorphic encryption algorithm, the first blockchain may invoke validation logic in the first intelligent contract to verify whether the homomorphic encrypted transfer amount and the first money transfer amount are consistent.
It should be noted that, since the transfer amount and the first remittance amount are respectively encrypted by the corresponding cross-border remittance participants based on a homomorphic encryption algorithm, it can be ensured that even the intelligent contract (the first intelligent contract and the second intelligent contract) itself cannot see the real amount values corresponding to the transfer amount and the first remittance amount, but the intelligent contract can still perform data verification based on an algebraic algorithm for the transfer amount and the first remittance amount after homomorphic encryption.
Similarly, when the remittance initiator submits the remittance information to the first blockchain for storage, the remittance initiator may also submit the remittance information to the first blockchain for storage after homomorphic encryption based on a homomorphic encryption algorithm.
In this specification, after the account fund information and the remittance information are subjected to data verification, the first intelligent contract may store a data verification result in a first block chain, and update the transaction status based on the data verification result.
In one embodiment, the first intelligent contract updates the transaction status to successful when the data verification result is passed; otherwise, updating the transaction state to failure.
Continuing the example from the above example, when the data verification result is pass, the first intelligent contract updates the maintained transaction status to be successful; otherwise, the maintained transaction status is updated to fail.
In this specification, the cross-border remittance participant may acquire the transaction status maintained by the first intelligent contract, and perform cross-border remittance corresponding to the remittance information when the transaction status indicates success.
In the following example, the payment and receipt institution includes the hangzhou branch of the tendering bank and the american branch of the douglas-bang bank, the remittance initiator is the payment system, the remittance receiver is the american branch of the morgan university bank, and the hangzhou branch of the tendering bank and the american branch of the douglas-bang bank can transfer the fund with the first remittance amount frozen under the chain corresponding to the remittance process to the american branch of the morgan university bank when the transaction status maintained by the first intelligent contract indicates success, so as to complete the cross-border remittance from the payment system to the american branch of the morgan university bank.
For ease of overall understanding, please refer to fig. 3, which is a schematic diagram of an interaction process for cross-border remittance based on intelligent contract cross-link communication provided by an embodiment of the present specification.
The networking in fig. 3 includes a remittance initiator, a liquidity provider, a receiving and paying institution, a remittance receiver, a first block chain in which a first intelligent contract for maintaining a transaction state of a cross-border remittance participant performing a cross-border remittance service is deployed, and a second block chain in which a second intelligent contract for maintaining a transfer state of account fund information of the cross-border remittance participant is deployed, which are the same as the description in fig. 1 and will not be described herein again.
As shown in fig. 3, the interaction between the money transfer initiator, the liquidity provider, the money transfer receiver of the receiving and paying institution, the first intelligent contract and the second intelligent contract is as follows: s300, maintaining account fund information of a remittance initiator and a transfer state of the account fund information corresponding to the remittance information in a second intelligent contract; s301, the remittance initiator stores remittance information in a first block chain; s302, the liquidity provider calculates a first remittance amount based on the liquidity of the remittance information and updates the remittance information based on the first remittance amount; s303, the remittance initiator confirms remittance information of the chain deposit certificate; s304, the liquidity provider confirms remittance information of the chain deposit certificate; s305, the remittance receiver confirms remittance information of the chain deposit certificate; s306, the receiving and paying mechanism confirms remittance information of the chain deposit certificate; s307, when all cross-border remittance participants confirm that remittance information stored on the chain passes, the first intelligent contract cross-links obtains account fund information and the transfer state of the account fund information from the second intelligent contract; s308, when the transfer state is successful, checking account fund information and remittance information, and updating the transaction state; s309, executing cross-border remittance corresponding to the remittance information when the transaction state is successful.
As can be seen from the above embodiments, cross-link communication is performed based on a first intelligent contract deployed in a first blockchain and a second intelligent contract deployed in a second blockchain, account fund information verified in the second blockchain related to the cross-border remittance service is acquired and subjected to data verification with remittance information verified in the first blockchain, and the transaction state of the cross-border remittance service is updated and maintained according to the data verification result. On the one hand, data consistency of cross-link data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the block chain and the characteristic that data cannot be tampered, cross-border remittance participants can inquire and confirm the transaction state of the cross-border remittance service in real time, and transparency and safety of cross-border remittance are improved.
It should be noted that, in the above embodiment, the example description is made by taking the remittance initiator as the member device of the blockchain to access to the first blockchain and the second blockchain, respectively. In practical applications, the liquidity provider, the receiving and paying institution and the remittance receiver may also access other blockchains in the service management system respectively corresponding to the liquidity provider, the receiving and paying institution and the remittance receiver in advance before accessing the first blockchain, and implement synchronization with cross-link data between the other blockchains and the first blockchain based on similar processes described in the above embodiments to ensure data consistency of cross-link data related to the cross-border remittance service.
In accordance with the above method embodiments, the present specification also provides embodiments of a blockchain based cross-border money transfer device.
The embodiment of the block chain-based hierarchical storage device of the present specification can be applied to an electronic device. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation.
From a hardware aspect, as shown in fig. 4, the hardware structure diagram of the electronic device where the block chain-based cross-border remittance apparatus of the present specification is located is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 4, the electronic device where the apparatus is located in the embodiment may also include other hardware according to the actual function of the electronic device, which is not described again.
Fig. 5 is a block diagram of a block chain based cross-border money transfer device in accordance with an exemplary embodiment of the present description.
Referring to fig. 5, a block chain based trans-border money transfer device 50 may be used in the electronic apparatus of fig. 4; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the apparatus 50 comprises:
the query module 501 is used for invoking a query logic in a first intelligent contract to invoke a cross-link to invoke a second intelligent contract to query the transfer state of account fund information maintained by the second intelligent contract when the transaction state is determined to indicate that the cross-border remittance participant passes the confirmation of the remittance information;
the remittance module 502 further calls a first intelligent contract to perform data verification on the account fund information and the remittance information when the transfer state indicates that the transfer of the account fund corresponding to the account fund information is successful, and updates the transaction state based on a data verification result, so that the cross-border remittance participant performs cross-border remittance corresponding to the remittance information when the transaction state indicates that the transfer is successful.
In this embodiment, the cross-border money transfer participant comprises a money transfer initiator, and the apparatus further comprises a credentialing module that:
receiving a money transfer request initiated by a money transfer initiator for storing the money transfer information; in response to the credentialing request, crediting the remittance information in a first blockchain is invoked by credentialing logic of a first intelligent contract.
In this embodiment, the remittance information includes a remittance account number, a remittance amount, a remittance currency and a collection account number;
the evidence storage module further:
a deposit logic in the first smart contract is invoked to store the money transfer account number, money transfer amount, money transfer currency, and money collection account number in a first blockchain.
In this embodiment, the cross-border money transfer participants further include liquidity providers; the evidence storage module further:
and the liquidity provider obtains the remittance amount and the remittance currency from the first blockchain, so that the liquidity provider performs liquidity calculation based on the remittance amount and the remittance currency to obtain a remittance rate corresponding to the remittance currency and a first remittance amount of the remittance amount under the remittance rate, and updates the first remittance amount to the remittance information stored on the chain.
In this embodiment, the cross-border money transfer participant further comprises a money transfer recipient; the evidence storage module further:
the remittance receiver obtains the remittance information from the first blockchain, confirms the remittance information obtained, and stores the confirmation result of the remittance information in the first blockchain.
In this embodiment, the cross-border money transfer participant further comprises a collection and payment mechanism; the evidence storage module further:
the receiving and paying institution acquires the remittance information from the first blockchain, confirms the remittance information acquired, and stores the confirmation result of the remittance information in the first blockchain.
In this embodiment, the account funds information includes an amount of transfer for the cross-border remittance service from the cross-border remittance participant's credited account funds in the second blockchain;
the money transfer module 502 further:
calling a query logic in the first intelligent contract to cross-link and call a second intelligent contract to query and obtain the transfer amount, and storing the transfer amount in the first block chain;
and invoking verification logic in the first intelligent contract to perform data verification on the transfer amount and the first remittance amount, and storing the verification result in the first block chain based on the data verification.
In this embodiment, the money transfer module 502 further:
verification logic in the first intelligent contract is invoked to verify that the transfer amount and the first remittance amount are consistent.
In this embodiment, the transfer amount and the first remittance amount are homomorphic encrypted by the corresponding cross-border remittance participant based on a homomorphic encryption algorithm;
the money transfer module 502 further:
verification logic in the first intelligent contract is invoked to verify that the homomorphic encrypted transfer amount and the first remittance amount are consistent.
In this embodiment, the money transfer module 502 further:
when the data verification result is passed, updating the transaction state to be successful; otherwise, updating the transaction state to failure.
In this embodiment, the block chain is a federation chain.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that 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. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims (13)

1. A cross-border remittance method based on block chains is applied to a cross-border remittance management system built based on a first block chain and a second block chain; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the method comprises the following steps:
when the transaction state is determined to indicate that cross-border remittance participants confirm that the remittance information passes, invoking a query logic in a first intelligent contract to invoke a second intelligent contract to query for a transfer state of account fund information maintained by the second intelligent contract;
and when the transfer state indicates that the account fund corresponding to the account fund information is successfully transferred, further calling a first intelligent contract to perform data verification on the account fund information and the remittance information, and updating the transaction state based on a data verification result so that the cross-border remittance participant executes cross-border remittance corresponding to the remittance information when the transaction state indicates success.
2. The method of claim 1, the cross-border money transfer participant comprising a money transfer originator, the method further comprising:
receiving a money transfer request initiated by a money transfer initiator for storing the money transfer information; in response to the credentialing request, crediting the remittance information in a first blockchain is invoked by credentialing logic of a first intelligent contract.
3. The method of claim 2, the money transfer information comprising a money transfer account number, a money transfer amount, a money transfer currency, and a money transfer account number;
the credentialing logic invoking the first intelligent contract crediting the remittance information in a first blockchain, comprising:
a deposit logic in the first smart contract is invoked to store the money transfer account number, money transfer amount, money transfer currency, and money collection account number in a first blockchain.
4. The method of claim 3, the cross-border money transfer participant further comprising a liquidity provider; the method further comprises the following steps:
and the liquidity provider obtains the remittance amount and the remittance currency from the first blockchain, so that the liquidity provider performs liquidity calculation based on the remittance amount and the remittance currency to obtain a remittance rate corresponding to the remittance currency and a first remittance amount of the remittance amount under the remittance rate, and updates the first remittance amount to the remittance information stored on the chain.
5. The method of claim 2, the cross-border money transfer participant further comprising a money transfer recipient; the method further comprises the following steps:
the remittance receiver obtains the remittance information from the first blockchain, confirms the remittance information obtained, and stores the confirmation result of the remittance information in the first blockchain.
6. The method of claim 2, wherein the cross-border money transfer participant further comprises a payment and receipt institution; the method further comprises the following steps:
the receiving and paying institution acquires the remittance information from the first blockchain, confirms the remittance information acquired, and stores the confirmation result of the remittance information in the first blockchain.
7. The method of claim 4, wherein the account funds information includes a transfer amount for the cross-border money transfer service transferred from the account funds credited by the cross-border money transfer participant in the second blockchain;
the invoking of the first intelligent contract to perform data validation on the account fund information and the remittance information comprises:
calling a query logic in the first intelligent contract to cross-link and call a second intelligent contract to query and obtain the transfer amount, and storing the transfer amount in the first block chain;
and invoking verification logic in the first intelligent contract to perform data verification on the transfer amount and the first remittance amount, and storing the verification result in the first block chain based on the data verification.
8. The method of claim 7, wherein invoking validation logic in the first intelligent contract to data-verify the transfer amount and the first remittance amount comprises:
verification logic in the first intelligent contract is invoked to verify that the transfer amount and the first remittance amount are consistent.
9. The method of claim 8, wherein the transfer amount and the first remittance amount are each homomorphic encrypted by the corresponding cross-border remittance participant based on a homomorphic encryption algorithm;
the invoking validation logic in the first intelligent contract to perform data validation of the transfer amount and the first remittance amount includes:
verification logic in the first intelligent contract is invoked to verify that the homomorphic encrypted transfer amount and the first remittance amount are consistent.
10. The method of claim 1, said updating said transaction status based on data verification results comprising:
when the data verification result is passed, updating the transaction state to be successful; otherwise, updating the transaction state to failure.
11. The method of claim 1, the blockchain is a federation chain.
12. A block chain based cross-border remittance apparatus; the system is applied to a cross-border remittance management system built based on a first block chain and a second block chain; wherein, a first intelligent contract used for maintaining the transaction state of the cross-border remittance participant executing the cross-border remittance service is arranged in the first blockchain; a second blockchain is deployed with a second intelligent contract for maintaining the transfer status of account fund information of the cross-border remittance participant; the first intelligent contract and the second intelligent contract are bound with each other to carry out cross-chain communication; the first block chain stores and proves remittance information corresponding to the cross-border remittance service; the device comprises:
the query module is used for calling a query logic in a first intelligent contract to cross-link and call a second intelligent contract to query to obtain the transfer state of account fund information maintained by the second intelligent contract when the transaction state indicates that the cross-border remittance participant confirms that the remittance information passes;
and the remittance module is used for further calling a first intelligent contract to perform data verification on the account fund information and the remittance information when the transfer state indicates that the account fund corresponding to the account fund information is successfully transferred, and updating the transaction state based on a data verification result so as to enable the cross-border remittance participant to execute cross-border remittance corresponding to the remittance information when the transaction state indicates that the cross-border remittance participant is successful.
13. An electronic device, comprising:
a processor; a memory for storing processor-executable instructions;
wherein the processor implements the method of any one of claims 1-11 by executing the executable instructions.
CN202111315898.8A 2021-11-08 2021-11-08 Cross-border remittance method and device based on block chain and electronic equipment Pending CN114118988A (en)

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