CN111626722B - A cross-border payment method and device - Google Patents

Abstract

The invention discloses a cross-border payment method and device, and belongs to the technical field of communication. The cross-border payment method comprises the following steps: the bank node receives transaction information of a remittance transaction party node; the system comprises a sender node, a receiver node, a sender node and a receiver node, wherein the sender node is the receiver node, the transaction information is payment transaction information, and the payment transaction information comprises an account-out bank, an account-out account, a blockchain identifier of the receiver node and a transfer amount; and/or, the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account; adding block chain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node; the accounts of remittance transaction parties are sold in a point-to-point mode according to the pre-agreed intelligent contracts in the blockchain network, so that the cross-border payment process can be simplified, meanwhile, the payment of high transfer fees is avoided, the use experience of users is improved, and the development of foreign exchange business is promoted.

Description

A cross-border payment method and device

Technical field

The present invention relates to the field of communication technology, and in particular to a cross-border payment method and device.

Background technique

The development of network and information technology has changed the traditional trade model and provided development opportunities for industries such as cross-border e-commerce. Electronic payment models are also constantly changing. Combining blockchain technology with modern electronic payment is not only an impact on the previous electronic payment system, but also an exploration of the future electronic payment system. The introduction of blockchain technology will upgrade, improve and improve the supervision system of the modern electronic payment system. All have a huge promoting effect. As China's economy continues to open up to the outside world and economic globalization continues to deepen, cross-border payments have become an important part of the modern electronic payment system. In the current cross-border payment scheme, banks need to open separate accounts, and conduct transactions and fund settlements through the accounts opened between banks, resulting in a complicated payment process. Moreover, the participating banks in each country need to report to the intermediary bank. Pay high transit fees. In addition, if there is a transaction dispute in cross-border payment, multiple settlements need to be made between the banks of both parties and the intermediary bank, resulting in low payment efficiency. The cross-border payment process also lacks the participation of notary institutions. Once a dispute occurs, it is not easy to identify the responsible party. This will seriously affect the user experience and is not conducive to the development of foreign exchange business.

Therefore, how to simplify the cross-border payment process while avoiding high transfer fees, improving user experience, and promoting the development of foreign exchange business has become an urgent problem in this field.

Contents of the invention

To this end, the present invention provides a cross-border payment method and device to solve the problem of complex cross-border payment processes and the need to pay high transfer fees.

In order to achieve the above objectives, the first aspect of the present invention provides a cross-border payment method, applied to bank nodes, including:

Receive transaction information from a remittance transaction party node; wherein the remittance transaction party node is a payer node, and the transaction information is payment transaction information, and the payment transaction information includes an outgoing bank, an outgoing account, and the area of the payer node. The blockchain identification, the blockchain identification of the payee node and the transfer amount; and/or, the remittance transaction party node is the payee node, the transaction information is the payment transaction information, and the payment transaction information includes Deposit bank and deposit account;

Add the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node;

In the blockchain network, the account of the remittance transaction party is canceled in a point-to-point manner according to the pre-agreed smart contract.

Further, before receiving the transaction information of the remittance transaction party node, it also includes:

Broadcast the smart contract request message in the blockchain network;

Receive the validity information of the smart contract; wherein the validity information of the smart contract is information generated after more than half of all bank nodes in the alliance vote.

Further, before broadcasting the smart contract request message in the blockchain network, it also includes:

Use the private key of the payment bank node to sign the smart contract and generate the smart contract request message.

Further, before receiving the validity information of the smart contract, the method further includes:

Receive the smart contract request message initiated by the issuing bank node;

Use the private key of the entry bank node to re-sign the smart contract request message to generate an intermediate smart contract request message;

The smart contract intermediate request message is broadcast in the blockchain network.

Further, the smart contract request message includes one or more of a new smart contract request message, a smart contract modification request message, and a smart contract deletion request message.

In order to achieve the above objectives, the second aspect of the present invention provides a cross-border payment method, which is applied to cross-border payment system nodes, including:

Receive the transaction information of the remittance transaction party node, and add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can conduct point-to-point transactions in the blockchain network in accordance with the pre-agreed smart contract. The account of the remittance transaction party is debited; wherein the remittance transaction party node is the payer node, the transaction information is payment transaction information, and the payment transaction information includes the issuing bank, the issuing account, the payer The blockchain identification of the node, the blockchain identification of the payee node and the transfer amount; and/or, the remittance transaction party node is the payee node, the transaction information is the payment transaction information, and the payment receipt The transaction information includes a deposit bank and a deposit account, and the bank node includes a deposit bank node corresponding to the payer node and a deposit bank node corresponding to the payee node.

Further, before receiving the transaction information of the remittance transaction party node and adding the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, it also includes:

Receive the smart contract intermediate request message broadcast by the incoming bank node; wherein the smart contract intermediate request message is the smart contract initiated by the incoming bank node to the outgoing bank node based on the private key of the incoming bank node. The message generated after the contract request message is re-signed; the smart contract request message is the message generated after the payment bank node uses the private key of the payment bank node to sign the smart contract;

Use the private key of the cross-border payment system node to sign the smart contract intermediate request message three times to generate a smart contract validation request message;

Broadcast the smart contract validation request message in the blockchain network;

Receive voting results returned by bank nodes in the alliance;

When more than half of all bank nodes in the alliance pass the vote, the effective information of the smart contract is generated;

Broadcast the validity information of the smart contract in the blockchain network.

In order to achieve the above objects, the third aspect of the present invention provides a cross-border payment device, which is applied to bank nodes and includes:

The bank node receiving module is used to receive the transaction information of the remittance transaction party node; wherein the remittance transaction party node is the payer node, the transaction information is payment transaction information, and the payment transaction information includes the issuing bank, the issuing account The blockchain ID of the account, the payer node, the blockchain ID of the payee node, and the transfer amount; and/or, the remittance transaction party node is the payee node, and the transaction information is the payment transaction information, The payment transaction information includes the depositing bank and the depositing account;

The bank node joining module is used to join the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node;

The bank node transaction module is used to write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

In order to achieve the above objectives, the fourth aspect of the present invention provides a cross-border payment device, which is applied to cross-border payment system nodes, including:

The system node receiving module is used to receive the transaction information of the remittance transaction party node; wherein the remittance transaction party node is the payer node, the transaction information is the payment transaction information, and the payment transaction information includes the issuing bank, the issuing account The blockchain ID of the account, the payer node, the blockchain ID of the payee node, and the transfer amount; and/or, the remittance transaction party node is the payee node, and the transaction information is the payment transaction information, The payment transaction information includes the depositing bank and the depositing account;

The system node adding module is used to add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can process all transactions in a point-to-point manner in the blockchain network according to the pre-agreed smart contract. The account of the above-mentioned remittance transaction party will be written off.

The invention has the following advantages:

In the cross-border payment method provided by the present invention, the bank node receives the transaction information of the remittance transaction party node; wherein the remittance transaction party node is the payer node, the transaction information is payment transaction information, and the payment transaction information includes the issuing bank, the issuing account, The blockchain identification of the payer node, the blockchain identification of the payee node and the transfer amount; and/or, the remittance transaction party node is the payee node, the transaction information is the payment transaction information, and the payment transaction information includes the entry into the account Bank and entry account; based on the transaction information of the remittance transaction party's node, join the blockchain cross-border remittance business transaction; in the blockchain network, the remittance transaction party's account can be written off in a point-to-point manner in accordance with the pre-agreed smart contract. Simplifying the cross-border payment process while avoiding high transfer fees improves user experience and promotes the development of foreign exchange business.

Description of drawings

The drawings are used to provide a further understanding of the present invention and constitute a part of the specification. They are used to explain the present invention together with the following specific embodiments, but do not constitute a limitation of the present invention.

Figure 1 is a flow chart of a cross-border payment method provided by the first embodiment of the present invention;

Figure 2 is a flow chart of a cross-border payment method provided by the second embodiment of the present invention;

Figure 3 is a flow chart of a cross-border payment method provided by the third embodiment of the present invention;

Figure 4 is a flow chart of a cross-border payment method provided by the fourth embodiment of the present invention;

Figure 5 is a flow chart of a cross-border payment method provided by the fifth embodiment of the present invention;

Figure 6 is a functional block diagram of a cross-border payment device provided by the sixth embodiment of the present invention;

Figure 7 is a functional block diagram of a cross-border payment device provided by the seventh embodiment of the present invention.

Detailed ways

Specific embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be understood that the specific embodiments described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.

The cross-border payment method and device provided by the embodiments of the present invention take into account that in the current cross-border payment scheme, banks need to open separate accounts, and transactions and fund settlements are conducted through the separate accounts between banks, resulting in a complicated payment process. Moreover, if there are transaction disputes in cross-border payments, multiple settlements need to be made between the banks of both parties and the intermediary bank, resulting in low payment efficiency. In addition, participating banks in each country need to pay high transit fees to the transit bank. Therefore, a new cross-border payment method and device are proposed to perform point-to-point cancellation of the outgoing account and the incoming account. There is no need to open separate accounts between the bank corresponding to the incoming account and the bank corresponding to the outgoing account, thus simplifying cross-border payments. The process does not require the introduction of an intermediary bank, which can avoid paying high intermediary fees, thus improving the user experience and promoting the development of foreign exchange business.

Figure 1 is a flow chart of a cross-border payment method provided by the first embodiment of the present invention, applied to bank nodes. As shown in Figure 1, this cross-border payment method may include the following steps:

Step S101: Receive transaction information from the remittance transaction party node.

Among them, the remittance transaction party node includes the payer node and the payee node. Correspondingly, the transaction information includes payment transaction information and collection transaction information, and the payment transaction information includes but is not limited to the issuing bank, the issuing account, and the paying party node. The blockchain identification, the blockchain identification of the payee node and the transfer amount. The payment transaction information includes but is not limited to the depositing bank and the depositing account.

In order to realize cross-border payment, a cross-border payment blockchain is constructed based on remittance transaction party nodes, bank nodes, regulatory department nodes and cross-border payment system nodes. In actual use, in order to take into account the decentralized characteristics of the blockchain and the security of the node corresponding institution or system, the cross-border payment blockchain can be set up in the form of an alliance chain based on node permissions to form an alliance of related interests for joint maintenance. The healthy operation of cross-border payment blockchain. Among them, the remittance transaction party node is the customer node, including the remitter node and the payee node, and the corresponding entities include individuals and/or enterprises. Any customer node can join the zone when it meets the preset access conditions of the blockchain network. The blockchain network becomes a remittance transaction party node; the bank node is one of the important participants in cross-border remittance business transactions, but the bank node is no longer engaged in payment message processing, and its functions are transformed into system planning of the blockchain network, including intelligent Contract setting, node access, authority control, etc. At the same time, bank nodes also provide customer groups with diversified financial services such as account management, customer credit, deposit management, etc.; some regulatory nodes include various cross-border transaction regulatory agencies in various countries. Different from the traditional cross-border payment system, the regulatory agency's grasp of cross-border payment information completely relies on the bank's implementation and self-discipline. In the blockchain network, the regulatory agency, as one of the participants, has the ability to review specific cross-border transactions. Information permissions also have a blacklist function, so that the cross-border payment system can only accept customer nodes and/or bank nodes that are not on the blacklist and meet the access requirements, thereby reducing regulatory costs and improving processing efficiency; cross-border payment system nodes As a node of the cross-border payment system in the blockchain network, the cross-border payment system can realize the interaction of information between nodes with different permissions in the blockchain network. It is understandable that cross-border payment systems and/or cross-border payment blockchain networks need to entrust professional operation and maintenance agencies to be responsible for their daily operation and maintenance, and to provide parameter maintenance, technical support, system construction and other blockchain technology maintenance services. To ensure information security, the operation and maintenance organization is jointly decided by all bank nodes in the alliance. As a provider of blockchain technology services, the operation and maintenance organization does not participate in the transaction process and does not have access to transaction information. It can only access the configuration data of the processing system, as well as encrypted transaction information and contract information, thus greatly reducing the cost of the transaction. Risk of transaction information being leaked and stolen.

In one implementation, the payer node initiates a point-to-point cross-border remittance business transaction to the payee node, uses the private key of the payer node to sign the payment transaction information, and then broadcasts the payment transaction information in the blockchain network; Among them, the payment transaction information includes the issuing bank, the issuing account, the blockchain identification of the payer node, the blockchain identification of the payee node and the transfer amount. The payee node receives the payment transaction information from the payer node, and after learning that the payee node's blockchain ID is its own blockchain ID, it performs signature verification on the payment transaction information. Specifically, the payee node queries the blockchain account book to obtain the public key of the payer node, and uses the public key of the payer node to perform signature verification on the payment transaction information. When the payment transaction information passes signature verification, the payee node confirms itself as the payee, specifies the bank and account, generates the payment transaction information, and broadcasts the payment transaction information in the blockchain network. The corresponding bank node receives the transaction information to participate in the blockchain cross-border remittance business transaction based on the transaction information.

Step S102: Add the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node.

In one embodiment, after the outgoing bank node and the incoming bank node receive the corresponding payment transaction information and collection transaction information, the cross-border payment system node will use the payment transaction information of the payer node and the collection payment of the payee node. Transaction information automatically triggers the corresponding outgoing bank node and incoming bank node to participate in blockchain cross-border remittance business transactions.

Step S103: The account of the remittance transaction party is canceled in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

Among them, a smart contract is a set of commitments defined in digital form, and an agreement for contract participants to implement these commitments. When the conditions agreed in the smart contract are met, the participants in the smart contract can execute the commitments agreed in the smart contract in accordance with the relevant agreement.

In one implementation, in the cross-border payment blockchain constructed based on remittance transaction party nodes, bank nodes, regulatory department nodes and cross-border payment system nodes, the addition, modification, and deletion operations of smart contracts can be performed by someone within the alliance. A bank node initiates an application and determines whether the above operation takes effect based on the voting results of all bank nodes in the alliance. Generally, the blockchain administrator will set a voting threshold in advance. For a certain smart contract (or smart contract operation), when the voting results returned by all banks in the alliance exceed the voting threshold, then Confirm that the smart contract (or the operation for the smart contract) is valid.

In traditional payment transactions, opposite accounts need to be opened between the incoming bank node and the outgoing bank node, and transactions are conducted through the opposite accounts. Specifically, after the outgoing bank node receives the payment request from the payer node, the outgoing bank node needs to open an outgoing bank account and transfer funds from the outgoing account of the payer node to the outgoing bank account. , and then transfer the funds from the outgoing bank account to the incoming bank account opposite the incoming bank node. After receiving the transferred funds, the deposited bank's opposite account of the deposited bank node transfers the transfer funds from the deposited bank's opposite account to the deposited account of the payee node. Therefore, this transaction involves two types of accounts (respectively personal accounts and bank open accounts), including at least four accounts, namely the outgoing account of the payer node, the outgoing bank open account, and the entry account of the payee node. The account and the incoming bank account are open accounts; among them, the outgoing account of the payer node and the incoming account of the payee node are personal accounts, and the outgoing bank open account and the incoming bank open account are bank open accounts. The write-off of payment transactions needs to be completed based on these four accounts, including the transfer link between internal and external accounts of the bank, and the payment process is relatively complicated. If the transaction is a cross-border payment transaction, it is generally necessary to introduce an intermediary bank, and it is also necessary to open a counterpart account at the intermediary bank node. The payment and write-off operations involve the outgoing account of the payer node, the outgoing bank account, and the receiving account. The deposit account of the payer node, the counterpart account of the deposit bank and the counterpart account of the intermediary bank node will make the payment process more complex and the write-off more cumbersome. Moreover, the incoming bank node and/or the outgoing bank node also need to pay high transfer fees to the intermediary bank node.

The cross-border payment method provided in this embodiment can directly write off the account of the remittance transaction party, that is, it only needs to write off the outgoing account of the payer node and the incoming account of the payee node. There is no need for the bank node to open a pair. There is no need to introduce an intermediary bank when opening an account, which eliminates the transfer link between internal and external bank accounts, simplifies the payment process, and saves intermediary fees.

In one implementation, the bank node cancels the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network, including:

Before joining the blockchain cross-border remittance business transaction, the bank node first generates a smart contract based on this payment and confirms whether the smart contract is effective. When it is determined that the smart contract is in the effective state, the outgoing bank node and the incoming bank node will cancel the outgoing account and the incoming account in a point-to-point manner according to the pre-agreed smart contract. There is no need for the outgoing bank node and the incoming bank node to open a pair. accounts, there is no need to introduce an intermediary bank, thus eliminating the transfer link between internal and external accounts of the bank and simplifying the payment transaction process.

In one embodiment, confirming whether the smart contract is valid includes:

The outgoing bank node generates a smart contract for this cross-border payment transaction, uses the private key of the outgoing bank node to sign the smart contract, generates a smart contract request message, and broadcasts it in the blockchain network. After receiving the smart contract request message, the entry bank node determines whether to agree to the smart contract. When agreeing to the smart contract, it uses the private key of the entry bank node to re-sign the smart contract request message, generates a smart contract intermediate request message, and sends it to the district. Broadcast in the blockchain network. After the cross-border payment system node receives the smart contract intermediate request message, it performs signature verification on the smart contract intermediate request message. When the smart contract intermediate request message passes the signature verification, it uses the private key of the cross-border payment system node to verify the smart contract intermediate request message. Sign, generate a smart contract validation request message, and broadcast it in the blockchain network. After receiving the smart contract validation request message, the bank nodes in the alliance vote and return the voting results to the cross-border payment system nodes. When more than half of all bank nodes in the alliance vote, the effective information of the smart contract is generated and broadcasted in the blockchain network. When the issuing bank node receives the validity information of the smart contract, it determines that the smart contract is in a valid state.

Figure 2 is a flow chart of a cross-border payment method provided by the second embodiment of the present invention. It is applied to a bank node and is basically the same as the first embodiment of the present invention. The difference is that: the issuing bank node precedes the cross-border transaction. First obtain the effective information of the smart contract. As shown in Figure 2, this cross-border payment method may include the following steps:

Step S201: Broadcast the smart contract request message in the blockchain network.

The smart contract request message includes one or more of a new smart contract request message, a smart contract modification request message, and a smart contract deletion request message.

In one implementation, the outgoing bank node generates a smart contract based on this payment based on the transaction information, uses the private key of the outgoing bank node to sign the smart contract, generates a smart contract request message, and then in the blockchain network Broadcast smart contract request messages.

Step S202: Receive the validity information of the smart contract.

Among them, the effective information of the smart contract is the information generated after more than half of the votes of all bank nodes in the alliance are passed.

In one implementation, after the outgoing bank node broadcasts the smart contract request message in the blockchain network, the incoming bank node receives the smart contract request message and determines whether to agree to the smart contract. When the entry bank node agrees to the smart contract, the private key of the entry bank node is used to re-sign the smart contract request message, generate a smart contract intermediate request message, and then broadcast the smart contract intermediate request message in the blockchain network. The cross-border payment system node receives the smart contract intermediate request message and performs signature verification on the smart contract intermediate request message. When the smart contract intermediate request message passes the signature verification, it uses the private key of the cross-border payment system node to verify the smart contract intermediate request message three times. Sign, generate a smart contract validation request message, and broadcast the smart contract validation request message in the blockchain network. The bank nodes in the alliance receive the smart contract validation request message, vote, and then return the voting results to the cross-border payment system node. When more than half of the votes of all bank nodes in the alliance pass, the cross-border payment system nodes generate the validity information of the smart contract and broadcast the validity information of the smart contract in the blockchain network. The issuing bank node receives the smart contract validation message sent by the cross-border payment system node, thereby determining that the smart contract is a valid contract.

Step S203: Receive transaction information from the remittance transaction party node.

The content of step S203 in this embodiment is the same as that of step S101 in the first embodiment of the present invention, and will not be described again here.

Step S204: Add the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node.

Step S204 in this embodiment is the same as step S102 in the first embodiment of the present invention, and will not be described again.

Step S205: The account of the remittance transaction party is canceled in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

The content of step S205 in this embodiment is the same as that of step S103 in the first embodiment of the present invention, and will not be described again here.

Figure 3 is a flow chart of a cross-border payment method provided by the third embodiment of the present invention. It is applied to a bank node and is basically the same as the first embodiment of the present invention. The difference is that before the cross-border transaction, the bank node Cooperate with the issuing bank node to obtain the effective information of the smart contract. As shown in Figure 3, this cross-border payment method may include the following steps:

Step S301: Receive a smart contract request message initiated by the issuing bank node.

Among them, the smart contract request message is a message generated after signing the smart contract using the private key of the issuing bank node.

In one implementation, the outgoing bank node generates a smart contract, uses the private key of the outgoing bank node to sign the smart contract to generate a smart contract request message, and then broadcasts it in the blockchain network. The incoming bank node receives the smart contract request message initiated by the outgoing bank node.

Step S302: Use the private key of the bank node to re-sign the smart contract request message to generate an intermediate smart contract request message.

In one implementation, after receiving the smart contract request message initiated by the outgoing bank node, the incoming bank node first confirms whether to agree to the smart contract. When the deposited bank node agrees to the smart contract, the private key of the deposited bank node is used to re-sign the smart contract request message to generate an intermediate request message for the smart contract.

Step S303: Broadcast the smart contract intermediate request message in the blockchain network.

In one implementation, after the entry bank node generates the smart contract intermediate request message, it broadcasts the smart contract intermediate request message in the blockchain network, so that the cross-border payment system node receives the smart contract intermediate request message and determines whether the smart contract is valid.

Step S304: Receive transaction information from the remittance transaction party node.

Step S304 in this embodiment is the same as step S101 in the first embodiment of the present invention, and will not be described again.

Step S305: Add the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node.

The content of step S305 in this embodiment is the same as that of step S102 in the first embodiment of the present invention, and will not be described again here.

Step S306: The account of the remittance transaction party is canceled in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

The content of step S306 in this embodiment is the same as that of step S103 in the first embodiment of the present invention, and will not be described again here.

Figure 4 is a flow chart of a cross-border payment method provided by the fourth embodiment of the present invention, applied to cross-border payment system nodes. As shown in Figure 4, the cross-border payment method may include the following steps:

Step S401: Receive transaction information from the remittance transaction party node.

Among them, the remittance transaction party node includes the payer node and the payee node. Correspondingly, the transaction information includes payment transaction information and collection transaction information, and the payment transaction information includes but is not limited to the issuing bank, the issuing account, and the paying party node. The blockchain identification, the blockchain identification of the payee node and the transfer amount. The payment transaction information includes but is not limited to the depositing bank and the depositing account.

In one implementation, a cross-border payment blockchain is constructed based on remittance transaction party nodes, bank nodes, regulatory department nodes and cross-border payment system nodes. The payer node initiates a point-to-point cross-border remittance business transaction to the payee node. The payer node generates payment transaction information, and the payee node also generates payment transaction information accordingly, and broadcasts the payment transaction in the blockchain network respectively. information and payment transaction information. The cross-border payment system node receives the payment transaction information broadcast by the payer node and the collection transaction information broadcast by the payee node.

Step S402: Add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

In one implementation, after the cross-border payment system node receives the payment transaction information broadcast by the payer node, it can learn the outgoing bank node based on the payment transaction information, and trigger the outgoing bank node to join the cross-border remittance business transaction. Similarly, after the cross-border payment system node receives the payment transaction information broadcast by the payee node, it can learn the entry bank node based on the payment transaction information, and trigger the entry bank node to join the cross-border remittance business transaction. When the outgoing bank node and the incoming bank node join the cross-border remittance business transaction, according to the pre-agreed smart contract, the outgoing account and the incoming account are debited in a point-to-point manner, which can avoid the bank node opening a separate account and eliminate the need for The transfer link between internal and external bank accounts simplifies the payment process; it also avoids the introduction of intermediary banks, thereby saving intermediary fees.

It can be understood that when the outgoing bank node and the incoming bank node write off the outgoing account and the incoming account in a point-to-point manner, the cross-border payment system node notifies the payer node and the payee node that the transaction is successful.

Figure 5 is a flow chart of a cross-border payment method provided by the fifth embodiment of the present invention. It is applied to cross-border payment system nodes. It is basically the same as the fourth embodiment of the present invention. The difference is that: after adding the transaction bank node Before cross-border transactions, first determine whether the smart contract is effective, and when it is determined that the smart contract is effective, feedback the effective information of the smart contract to the transaction bank node. As shown in Figure 5, this cross-border payment method may include the following steps:

Step S501: Receive the smart contract intermediate request message broadcast by the payment bank node.

Among them, the smart contract intermediate request message is a message generated after the incoming bank node re-signs the smart contract request message initiated by the outgoing bank node based on the private key of the outgoing bank node; the smart contract request message is generated by the outgoing bank node using the outgoing account The message generated after the bank node’s private key signs the smart contract.

In one implementation, the outgoing bank node generates a smart contract based on this payment based on the transaction information, uses the private key of the outgoing bank node to sign the smart contract, generates a smart contract request message, and then in the blockchain network Broadcast smart contract request messages. The entry bank node receives the smart contract request message and determines whether to agree to the smart contract. When the entry bank node agrees to the smart contract, the private key of the entry bank node is used to re-sign the smart contract request message, generate a smart contract intermediate request message, and then broadcast the smart contract intermediate request message in the blockchain network. The cross-border payment system node receives the smart contract intermediate request message broadcast by the receiving bank node.

Step S502: Use the private key of the cross-border payment system node to sign the smart contract intermediate request message three times to generate a smart contract validation request message.

In one implementation, the cross-border payment system node receives the smart contract intermediate request message and performs signature verification on the smart contract intermediate request message. When the smart contract intermediate request message signature verification passes, use the private key of the cross-border payment system node to sign the smart contract intermediate request message three times (the first signature is for the outgoing bank node to use the outgoing bank node private key to sign the smart contract The signature generates a smart contract request message. The second signature is that the entry bank node uses the entry bank node's private key to sign the smart contract request message to generate a smart contract intermediate request message), generates a smart contract validation request message, and broadcasts it in the blockchain network Smart contract validation request message.

Step S503: Broadcast the smart contract validation request message in the blockchain network.

After the cross-border payment system node generates the smart contract validation request message, it broadcasts the smart contract validation request message in the blockchain network so that the bank nodes in the blockchain receive the smart contract validation request message and return the voting results.

Step S504: Receive the voting results returned by the bank nodes in the alliance.

In one implementation, after the bank nodes in the alliance receive the smart contract validation request message broadcast by the cross-border payment system node in the blockchain network, they vote, generate voting results, and return the voting results to the cross-border payment system node. The voting results include pass and fail. Specifically, when the bank node agrees with the smart contract, the voting result is pass; when the bank node disagrees with the smart contract, the voting result is fail.

Step S505: After more than half of all bank nodes in the alliance vote, the validity information of the smart contract is generated.

In one implementation, when more than half of the voting results returned by all banks in the alliance are approved by bank nodes, it is determined that the smart contract is a valid contract, and validation information of the smart contract is generated.

It is understandable that the voting threshold can also be preset. When the number of bank node votes to pass is greater than the voting threshold, the smart contract is determined to be a valid contract.

Step S506: Broadcast the validity information of the smart contract in the blockchain network.

After generating the validity information of the smart contract, the cross-border payment system node broadcasts the validity information of the smart contract in the blockchain network so that other nodes in the blockchain network can learn the validity status of the smart contract.

Step S507: Receive transaction information from the remittance transaction party node.

Step S507 in this embodiment is the same as step S401 in the first embodiment of the present invention, and will not be described again.

Step S508: Add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

The content of step S508 in this embodiment is the same as that of step S402 in the first embodiment of the present invention, and will not be described again.

The steps of the various methods above are divided just for the purpose of clear description. During implementation, they can be combined into one step or some steps can be split into multiple steps. As long as they include the same logical relationship, they are all within the scope of protection of this patent. ; Adding insignificant modifications or introducing insignificant designs to the algorithm or process without changing the core design of the algorithm and process are within the scope of protection of this patent.

Figure 6 is a functional block diagram of a cross-border payment device provided by the sixth embodiment of the present invention, applied to bank nodes. As shown in Figure 6, the cross-border payment device includes: a bank node receiving module 601, a bank node joining module 602 and a bank node transaction module 603.

The bank node receiving module 601 is used to receive transaction information from the remittance transaction party node.

Among them, the remittance transaction party node includes the payer node and the payee node. Correspondingly, the transaction information includes payment transaction information and collection transaction information, and the payment transaction information includes but is not limited to the issuing bank, the issuing account, and the paying party node. The blockchain identification, the blockchain identification of the payee node and the transfer amount. The payment transaction information includes but is not limited to the depositing bank and the depositing account.

In one implementation, the payer node initiates a point-to-point cross-border remittance business transaction to the payee node, uses the private key of the payer node to sign the payment transaction information, and then broadcasts the payment transaction information in the blockchain network; Among them, the payment transaction information includes the issuing bank, the issuing account, the blockchain identification of the payer node, the blockchain identification of the payee node and the transfer amount. The payee node receives the payment transaction information from the payer node, and after learning that the payee node's blockchain ID is its own blockchain ID, it performs signature verification on the payment transaction information. Specifically, the payee node queries the blockchain account book to obtain the public key of the payer node, and uses the public key of the payer node to perform signature verification on the payment transaction information. When the payment transaction information passes signature verification, the payee node confirms itself as the payee, specifies the bank and account, generates the payment transaction information, and broadcasts the payment transaction information in the blockchain network. The corresponding bank node receives the transaction information through the bank node receiving module 601 to participate in the blockchain cross-border remittance business transaction based on the transaction information.

The bank node joining module 602 is used to join the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node.

In one embodiment, after the outgoing bank node and the incoming bank node receive the corresponding payment transaction information and collection transaction information, the cross-border payment system node will use the payment transaction information of the payer node and the collection payment of the payee node. The transaction information automatically triggers the corresponding outgoing bank node and incoming bank node. The outgoing bank node and the incoming bank node then participate in the blockchain cross-border remittance business transaction through the bank node joining module 602.

The bank node transaction module 603 is used to write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network.

Among them, a smart contract is a set of commitments defined in digital form, and an agreement for contract participants to implement these commitments. When the conditions agreed in the smart contract are met, the participants in the smart contract can execute the commitments agreed in the smart contract in accordance with the relevant agreement.

In one embodiment, the bank node uses the bank node transaction module 603 to write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network, including:

Before joining the blockchain cross-border remittance business transaction, the bank node first generates a smart contract based on this payment and confirms whether the smart contract is effective. When it is determined that the smart contract is in the effective state, the outgoing bank node and the incoming bank node use the bank node transaction module 603 to cancel the outgoing account and the incoming account in a point-to-point manner according to the pre-agreed smart contract, without the need for the outgoing bank node and the incoming bank node. Opening an open account at the entry bank node does not require the introduction of an intermediary bank, thereby eliminating the need for transfers between internal and external accounts in the bank and simplifying the payment transaction process.

In one embodiment, the addition, modification, and deletion operations of smart contracts can be initiated by a bank node in the alliance, and whether the above operations are effective is determined based on the voting results of all bank nodes in the alliance. Specifically, the outgoing bank node generates a smart contract for this cross-border payment transaction, uses the private key of the outgoing bank node to sign the smart contract, generates a smart contract request message, and broadcasts it in the blockchain network. After receiving the smart contract request message, the entry bank node determines whether to agree to the smart contract. When agreeing to the smart contract, it uses the private key of the entry bank node to re-sign the smart contract request message, generates a smart contract intermediate request message, and sends it to the district. Broadcast in the blockchain network. After the cross-border payment system node receives the smart contract intermediate request message, it performs signature verification on the smart contract intermediate request message. When the smart contract intermediate request message passes the signature verification, it uses the private key of the cross-border payment system node to verify the smart contract intermediate request message. Sign, generate a smart contract validation request message, and broadcast it in the blockchain network. After receiving the smart contract validation request message, the bank nodes in the alliance vote and return the voting results to the cross-border payment system nodes. When more than half of all bank nodes in the alliance vote, the effective information of the smart contract is generated and broadcasted in the blockchain network. When the issuing bank node receives the validity information of the smart contract, it determines that the smart contract is in a valid state.

Figure 7 is a functional block diagram of a cross-border payment device provided by the seventh embodiment of the present invention, which is applied to cross-border payment system nodes. As shown in Figure 7, the cross-border payment device includes: a system node receiving module 701 and a system node joining module 702.

The system node receiving module 701 is used to receive transaction information from the remittance transaction party node.

Among them, the remittance transaction party node includes the payer node and the payee node. Correspondingly, the transaction information includes payment transaction information and collection transaction information, and the payment transaction information includes but is not limited to the issuing bank, the issuing account, and the paying party node. The blockchain identification, the blockchain identification of the payee node and the transfer amount. The payment transaction information includes but is not limited to the depositing bank and the depositing account.

In one implementation, a cross-border payment blockchain is constructed based on remittance transaction party nodes, bank nodes, regulatory department nodes and cross-border payment system nodes. The payer node initiates a point-to-point cross-border remittance business transaction to the payee node. The payer node generates payment transaction information, and the payee node also generates payment transaction information accordingly, and broadcasts the payment transaction in the blockchain network respectively. information and payment transaction information. The cross-border payment system node receives the payment transaction information broadcast by the payer node and the collection transaction information broadcast by the payee node through the system node receiving module 701.

The system node adding module 702 is used to add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can process the remittance transaction party in a point-to-point manner in the blockchain network according to the pre-agreed smart contract. The account is debited.

In one implementation, after the cross-border payment system node receives the payment transaction information broadcast by the payer node, it can learn the outgoing bank node based on the payment transaction information, and trigger the outgoing bank node to join the cross-border remittance through the system node joining module 702 In business transactions. Similarly, after the cross-border payment system node receives the payment transaction information broadcast by the payee node, it can learn the entry bank node based on the payment transaction information, and the system node joining module 702 triggers the entry bank node to join the cross-border remittance business transaction. . When the outgoing bank node and the incoming bank node join the cross-border remittance business transaction, according to the pre-agreed smart contract, the outgoing account and the incoming account are debited in a point-to-point manner, which can avoid the bank node opening a separate account and eliminate the need for The transfer link between internal and external bank accounts simplifies the payment process; it also avoids the introduction of intermediary banks, thereby saving intermediary fees.

It can be understood that when the outgoing bank node and the incoming bank node write off the outgoing account and the incoming account in a point-to-point manner, the cross-border payment system node notifies the payer node and the payee node that the transaction is successful.

It is worth mentioning that each module involved in this implementation is a logical module. In practical applications, a logical unit can be a physical unit, or a part of a physical unit, or it can be multiple physical units. The combination of units is realized. In addition, in order to highlight the innovative part of the present invention, units that are not closely related to solving the technical problems raised by the present invention are not introduced in this embodiment, but this does not mean that other units do not exist in this embodiment.

It can be understood that the above embodiments are only exemplary embodiments adopted to illustrate the principles of the present invention, but the present invention is not limited thereto. For those of ordinary skill in the art, various modifications and improvements can be made without departing from the spirit and essence of the present invention, and these modifications and improvements are also regarded as the protection scope of the present invention.

Claims (9)

1. A cross-border payment method, applied to bank nodes, characterized by: Receive transaction information from a remittance transaction party node; wherein the remittance transaction party node is a payer node, and the transaction information is payment transaction information, and the payment transaction information includes an outgoing bank, an outgoing account, and the area of the payer node. The blockchain identification, the blockchain identification of the payee node and the transfer amount; and/or, the remittance transaction party node is the payee node, the transaction information is the payment transaction information, and the payment transaction information includes A deposit bank and a deposit account, the deposit account is the personal account applied by the payer node at the deposit bank, and the deposit account is the personal account applied by the payee node at the deposit bank; Add the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node; In the blockchain network, the account of the remittance transaction party is canceled in a point-to-point manner according to the pre-agreed smart contract. 2. The cross-border payment method according to claim 1, characterized in that before receiving the transaction information of the remittance transaction party node, it further includes: Broadcast the smart contract request message in the blockchain network; Receive the validity information of the smart contract; wherein the validity information of the smart contract is information generated after more than half of all bank nodes in the alliance vote. 3. The cross-border payment method according to claim 2, characterized in that before broadcasting the smart contract request message in the blockchain network, it further includes: Use the private key of the issuing bank node to sign the smart contract and generate the smart contract request message. 4. The cross-border payment method according to claim 2, characterized in that before receiving the validity information of the smart contract, it further includes: Receive the smart contract request message initiated by the issuing bank node; Use the private key of the bank node to re-sign the smart contract request message to generate an intermediate request message for the smart contract; The smart contract intermediate request message is broadcast in the blockchain network. 5. The cross-border payment method according to any one of claims 2 to 4, characterized in that the smart contract request message includes a new smart contract request message, a smart contract modification request message and a deletion smart contract request message. one or more. 6. A cross-border payment method, applied to cross-border payment system nodes, characterized by including: Receive the transaction information of the remittance transaction party node, and add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can process the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network. The account is debited; wherein, the remittance transaction party node is the payer node, and the transaction information is payment transaction information. The payment transaction information includes the blockchain identification of the issuing bank, the issuing account, and the payer node. , the blockchain identification and transfer amount of the payee node; and/or, the remittance transaction party node is the payee node, the transaction information is the collection transaction information, and the collection transaction information includes the bank of entry and Deposit account. The bank node includes an outgoing bank node corresponding to the payer node and an incoming bank node corresponding to the payee node. The outgoing account is the individual that the payer node applied for at the outgoing bank. Account, the deposit account is the personal account applied by the payee node at the deposit bank. 7. The cross-border payment method according to claim 6, characterized in that before receiving the transaction information of the remittance transaction party node and adding the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, it also includes: Receive the smart contract intermediate request message broadcast by the incoming bank node; wherein the smart contract intermediate request message is the smart contract initiated by the incoming bank node to the outgoing bank node based on the private key of the incoming bank node. The message generated after the contract request message is re-signed; the smart contract request message is the message generated after the payment bank node uses the private key of the payment bank node to sign the smart contract; Use the private key of the cross-border payment system node to sign the smart contract intermediate request message three times to generate a smart contract validation request message; Broadcast the smart contract validation request message in the blockchain network; Receive voting results returned by bank nodes in the alliance; When more than half of all bank nodes in the alliance pass the vote, the effective information of the smart contract is generated; Broadcast the validity information of the smart contract in the blockchain network. 8. A cross-border payment device, applied to bank nodes, characterized by including: The bank node receiving module is used to receive the transaction information of the remittance transaction party node; wherein the remittance transaction party node is the payer node, the transaction information is payment transaction information, and the payment transaction information includes the issuing bank, the issuing account The blockchain ID of the account, the payer node, the blockchain ID of the payee node, and the transfer amount; and/or, the remittance transaction party node is the payee node, and the transaction information is the payment transaction information, The payment transaction information includes a deposit bank and a deposit account. The deposit account is the personal account applied by the payer node at the deposit bank. The deposit account is the personal account applied by the payee node at the deposit bank. account; The bank node joining module is used to join the blockchain cross-border remittance business transaction based on the transaction information of the remittance transaction party node; The bank node transaction module is used to write off the account of the remittance transaction party in a point-to-point manner in accordance with the pre-agreed smart contract in the blockchain network. 9. A cross-border payment device, applied to cross-border payment system nodes, characterized by including: The system node receiving module is used to receive the transaction information of the remittance transaction party node; wherein the remittance transaction party node is the payer node, the transaction information is the payment transaction information, and the payment transaction information includes the issuing bank, the issuing account The blockchain ID of the account, the payer node, the blockchain ID of the payee node, and the transfer amount; and/or, the remittance transaction party node is the payee node, and the transaction information is the payment transaction information, The payment transaction information includes a deposit bank and a deposit account. The deposit account is the personal account applied by the payer node at the deposit bank. The deposit account is the personal account applied by the payee node at the deposit bank. account; The system node adding module is used to add the bank node corresponding to the transaction bank to the blockchain cross-border remittance business transaction, so that the transaction bank node can use the pre-agreed smart contract in the blockchain network to match the account of the remittance transaction party in a point-to-point manner. Perform a write-off; wherein the bank node includes an outgoing bank node corresponding to the payer node and an incoming bank node corresponding to the payee node.