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CN112633865B - Cross-mechanism digital currency account zero balance transaction method, system and device - Google Patents

Cross-mechanism digital currency account zero balance transaction method, system and device Download PDF

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Publication number
CN112633865B
CN112633865B CN202011584326.5A CN202011584326A CN112633865B CN 112633865 B CN112633865 B CN 112633865B CN 202011584326 A CN202011584326 A CN 202011584326A CN 112633865 B CN112633865 B CN 112633865B
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node
digital currency
currency
coin
overseas
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CN112633865A (en
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匡立中
蔡亮
李伟
张帅
杜鹏程
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Hangzhou Qulian Technology Co Ltd
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Hangzhou Qulian Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0652Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash with decreasing value according to a parameter, e.g. time
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/381Currency conversion

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention belongs to the technical field of blockchain, and provides a zero balance transaction method, a system, a device, computer equipment and a computer readable storage medium of a cross-mechanism digital currency account, wherein digital currency issued by a blockchain system is acquired and stored in a hosting node, and the hosting node transfers the digital currency to an overseas node through an intelligent contract according to the overseas currency exchange condition of the overseas node on the digital currency; if the foreign node does not hold the coin license plate, the digital currency is transferred to the node with the coin license plate in the blockchain system, so that the blockchain account of the foreign node without the coin license plate is in a zero balance state, thereby removing the digital currency agency, simplifying the transaction flow, ensuring that the transaction involved in the operations of the foreign and foreign branch coin distribution, coin transfer and the like is completed by the consensus of all participants, ensuring that the account of the unlicensed participant is in the zero balance state, meeting the financial supervision requirement and reducing the transaction risk.

Description

Cross-mechanism digital currency account zero balance transaction method, system and device
Technical Field
The application relates to the technical field of blockchains, in particular to a trans-institution digital currency account zero balance transaction method, a trans-institution digital currency account zero balance transaction system, a trans-institution digital currency account zero balance transaction device, a trans-institution digital currency account zero balance transaction computer device and a trans-institution digital currency account zero balance transaction computer device.
Background
The blockchain technology is widely applied in a cross-border payment scene due to the fact that the blockchain technology has data non-stringable modification and traceability. For example, financial institutions for cross-border commerce typically employ multiple in-house and overseas branches as blockchain nodes to join a cross-border payment consortium, where digital currency is transacted by digital currency accounts or the like over a blockchain network.
However, due to the specificity of financial data administration, it is generally necessary to provide digital currency financial license plates for compliance transactions, and for the branches of such financial institutions, the corresponding blockchain account cannot have a digital currency balance without digital currency financial license plates.
In the prior art, in order to solve the problem of the compliance transaction of digital currency, for a branch office without digital currency financial license plates at the location, the compliance transaction of digital currency is generally realized by proxy cooperation with a financial institution with digital currency license plates at the location, and the general flow is as follows.
In the initiation phase, the sender goes to an internal financial institution to transact the cross-border trade business, an internal branch office conducts transaction verification and audit of the cross-border trade business, and the transaction request is connected to a cross-border transaction platform.
In the transaction stage, the cross-border transaction platform converts the received currency money into digital currency of the blockchain platform according to the current real-time exchange rate, and the digital currency is stored into a blockchain account jointly signed by an inner agency, a hosting node and an outer agency. The foreign agency notifies the foreign branch of the conversion of digital currency into corresponding currency at a real-time rate for deposit into the payee account.
In the funds settlement stage, after the payee receives the corresponding currency, the digital currency escrow node of the cross-border transaction platform initiates a transaction that transfers the digital currency to the agency. At the same time, the overseas branch deducts the corresponding amount of money in the business transaction account opened by the agency.
Although the prior art can realize the compliance transaction of digital currency, the following technical problems exist:
Firstly, the agency mechanism holds digital currency, so that the whole transaction risk is improved;
secondly, by making funds transfer and money substitution between the overseas branch and the agency, the problem of extra procedures exists, the transaction efficiency is reduced, and the transaction cost is increased.
Disclosure of Invention
In order to solve the transaction risk caused by the fact that an agency holds digital currency and solve the additional procedure problems existing by conducting funds transfer and currency substitution between an overseas branch office and the agency, the transaction efficiency and the transaction safety are improved, and the transaction cost is reduced, the invention provides a zero balance transaction method, device and system of a cross-agency digital currency account.
A method of zero balance transactions across institution digital currency accounts, comprising:
acquiring digital currency issued by a blockchain system;
Storing the digital currency into a hosting node, and transferring the digital currency to an overseas node through an intelligent contract by the hosting node according to the overseas legal currency exchange condition of the overseas node for the digital currency; the foreign node transfers the digital money to a node with a licensed coin in the blockchain system if the licensed coin is not licensed, so that the blockchain account of the foreign node without the licensed coin is in a zero balance state.
A trans-institution digital currency account zero balance transaction system comprises an internal node, a managed node and an overseas node which are operated in a blockchain system;
The internal node acquires digital currency issued by a blockchain system and stores the digital currency into a hosting node;
the escrow node transfers the digital currency to the overseas node through an intelligent contract according to the overseas legal currency exchange condition of the overseas node for the digital currency;
The foreign node transfers the digital money to a node with a licensed coin in the blockchain system if the licensed coin is not licensed, so that the blockchain account of the foreign node without the licensed coin is in a zero balance state.
A trans-institution digital money account zero balance transaction device, comprising:
the digital currency acquisition module is used for acquiring digital currency issued by the blockchain system;
The digital currency transfer module is used for storing the digital currency into a hosting node, and the hosting node transfers the digital currency to the overseas node through an intelligent contract according to the overseas legal currency exchange condition of the overseas node for the digital currency; the foreign node transfers the digital money to a node with a licensed coin in the blockchain system if the licensed coin is not licensed, so that the blockchain account of the foreign node without the licensed coin is in a zero balance state.
A computer device comprising a memory and a processor, the memory storing a computer program, the computer program executing in the processor any of the methods described above.
A computer readable storage medium storing a computer program that executes in a processor a method that implements any of the above.
In general, the invention stores digital currency into the escrow node by acquiring the digital currency issued by the blockchain system, and the escrow node transfers the digital currency to the overseas node through an intelligent contract according to the overseas legal currency exchange condition of the overseas node for the digital currency; if the foreign node does not hold the coin license plate, the digital currency is transferred to the node with the coin license plate in the blockchain system, so that the blockchain account of the foreign node without the coin license plate is in a zero balance state, thereby removing the digital currency agency, simplifying the transaction flow, ensuring that the transaction involved in the operations of the foreign and foreign branch coin distribution, coin transfer and the like is completed by the consensus of all participants, ensuring that the account of the unlicensed participant is in the zero balance state, meeting the financial supervision requirement and reducing the transaction risk.
Drawings
FIG. 1 is a flow chart of a method for zero balance transactions across institution digital monetary accounts provided in accordance with one embodiment;
FIG. 2 is a schematic diagram of a cross-institution digital monetary account zero balance transaction device according to one embodiment;
FIG. 3 is a schematic diagram of a cross-institution digital monetary account zero balance transaction system according to one embodiment;
FIG. 4 is a schematic diagram of a record transmission system according to an embodiment;
fig. 5 is a schematic diagram of a framework of a monitoring and recording system according to an embodiment.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. The technical features of the different embodiments of the present invention described below may be combined with each other as long as they do not collide with each other.
It should be appreciated that in the description of the present invention, the term "computer-readable storage medium" can be a variety of media that can store computer programs, such as ROM, RAM, magnetic or optical disks, unless explicitly stated and limited otherwise. The term "processor" may be a chip or circuit with data processing functions, such as a CPLD (Complex Programmable Logic Device: complex Programmable logic device), an FPGA (Field-Programmable gate array) GATE ARRAY, an MCU (Microcontroller Unit: micro control unit), a PLC (Programmable Logic Controller: programmable logic controller), and a CPU (CentralProcessing Unit: central processing unit). The term "computer device" may be any device having data processing and storage capabilities, and typically can include both fixed and mobile terminals. Fixed terminals such as desktops and the like. Mobile terminals such as cell phones, PADs, mobile robots, and the like.
It should be further understood that in the embodiments of the present invention, the division of the units or modules is performed according to logic functions, and other division manners may be implemented in practice, for example, multiple units or modules may be combined or may be integrated into another system. The coupling or communication connection of the units or modules may be through some interfaces, electrical or otherwise.
On the one hand, in order to solve the transaction risk caused by the fact that the agency mechanism holds digital currency and solve the additional procedure problem existing by conducting funds transfer and currency substitution between the overseas branch mechanism and the agency mechanism, the transaction efficiency and the transaction safety are improved, and the transaction cost is reduced, the invention provides a zero balance transaction method, device and system of a cross-mechanism digital currency account.
Example 1
Referring to fig. 1, the method for zero balance transaction of a digital currency account of a cross-institution provided in this embodiment includes the steps of:
s1, acquiring digital currency issued by a blockchain system;
S2, storing the digital currency into a hosting node, and transferring the digital currency to the overseas node through an intelligent contract by the hosting node according to the overseas legal currency exchange condition of the overseas node for the digital currency; if the foreign node does not hold a coin license plate, the digital money is transferred to the node with the coin license plate in the blockchain system so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
Example 2
Referring to fig. 2, the cross-institution digital currency account zero balance transaction apparatus provided in this embodiment includes:
a digital currency acquisition module 1 for acquiring digital currency issued by the blockchain system;
A digital money transfer module 2 for storing digital money in a escrow node, and the escrow node transfers the digital money to the overseas node through an intelligent contract according to the overseas legal money exchange condition of the overseas node for the digital money; if the foreign node does not hold a coin license plate, the digital money is transferred to the node with the coin license plate in the blockchain system so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
Example 3
Referring to FIG. 3, the cross-institution digital monetary account zero balance transaction system provided by the present embodiment includes an in-house node, a hosting node, and an overseas node operating in a blockchain system;
the internal node obtains digital currency issued by the blockchain system and stores the digital currency into the hosting node;
the escrow node transfers the digital currency to the overseas node through the intelligent contract according to the overseas legal currency exchange condition of the overseas node to the digital currency;
If the foreign node does not hold a coin license plate, the digital money is transferred to the node with the coin license plate in the blockchain system so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
The embodiments provided in examples 1 to 3, by acquiring digital currency issued by a blockchain system, deposit the digital currency into a escrow node, and the escrow node transfers the digital currency to an overseas node through an intelligent contract according to an overseas legal currency exchange condition of the digital currency by the overseas node; if the foreign node does not hold the coin license plate, the digital currency is transferred to the node with the coin license plate in the blockchain system, so that the blockchain account of the foreign node without the coin license plate is in a zero balance state, thereby removing the digital currency agency, simplifying the transaction flow, ensuring that the transaction involved in the operations of the foreign and foreign branch coin distribution, coin transfer and the like is completed by the consensus of all participants, ensuring that the account of the unlicensed participant is in the zero balance state, meeting the financial supervision requirement and reducing the transaction risk.
It should be noted that, in embodiment 1, the internal node is taken as the execution subject of the zero balance transaction method of the cross-institution digital currency account, and the execution operations of other participating subjects define the environmental technical features of the execution subject of the method. Example 2 provides a description of the manner in which the virtual product is provided for the method from the point of view of program modules, and example 3 provides a description from the point of view that the parties are commonly used as execution bodies, because the embodiments provided in examples 1 to 3 are all based on the same inventive concept, the present example only describes the method in detail, and the apparatus and system correspond to the method, and will not be described in any great detail.
It should be further noted that, the above technical solution is based on the blockchain technology, by transferring digital money to the account of the party without digital money financial license plate on the blockchain, and by carrying out digital money back-up to a blockchain party holding financial license plate through the built-in blockchain intelligent contract, the account of the unlicensed party is in a zero balance state, thereby meeting the requirements of financial supervision and reducing transaction risk. Further embodiments may be:
after the internal node issues digital currency from the blockchain, the first discovered digital currency is transferred to the hosting node, which is in fact a multi-party signed coin pool account on the blockchain.
After the overseas node correspondingly exchanges the digital currency into the local legal currency according to the real-time exchange rate and transfers the local legal currency to the bank account of the payee, the hosting node transfers the digital currency to the blockchain account of the overseas node through the intelligent contract.
Since the foreign node does not hold digital currency financial license plates, once the blockchain account has a non-zero balance of digital currency, a currency recycling operation is initiated by the smart contract while the horse is in the process of recycling the digital currency to the blockchain account with the financial license plates. Wherein a smart contract is a computer protocol that aims to propagate, verify, or execute the contract in an informative manner.
It should also be noted that the escrow node is a multi-party signed coin pool account in the blockchain system.
It should also be noted that blockchains are a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, etc. An intelligent contract is a computer protocol that aims to propagate, verify, or execute contracts in an informative manner.
Further, an off-shore node without a license plate transfers digital money in real time to a node with a license plate in the blockchain system.
It should be noted that, the real-time coin transferring mode may be: when the balance of the blockchain account of the overseas node without the license plate is found to be not zero, the account is loaded out, so that the violation is avoided.
It should also be noted that the term "return" as referred to in the drawings is understood to mean a way of transferring digital money, and the term "transfer" is understood to mean a transfer of digital money.
Further, referring to fig. 4, for information sharing, the efficiency of the subsequent clearing and settlement is improved, and the foreign node of the ledger record of the blockchain system, which does not hold the license plate, transfers digital money to the money transfer state of the node with the license plate, and transmits the state to the service node which participates in the subsequent clearing and settlement.
It should be noted that, the coin transferring state is recorded in the blockchain ledger data, so that data assurance can be provided for clearing and settlement between subsequent institutions.
Further, referring to fig. 5, in order to monitor the zero balance status of the blockchain account of the unlicensed foreign institution in real time, to avoid financial violations, a supervisory node may be provided in the blockchain system, and the supervisory node monitors the blockchain account of the node without the license plate, and if the balance is found, records the balance information.
In one aspect, the present invention provides a technical solution, which may be run on a computer device with blockchain computing power, so the present invention also provides a computer device, including a memory and a processor, where the memory stores a computer program, and the computer program executes in the processor to implement any one of the methods described above.
In one aspect, the technical solution provided by the present invention may be stored on any optical, electrical, or magnetic computer readable storage medium, so the present invention further provides a computer readable storage medium, storing a computer program, where the computer program executes in a processor to implement any one of the methods described above.
In general, the invention stores digital currency into the escrow node by acquiring the digital currency issued by the blockchain system, and the escrow node transfers the digital currency to the overseas node through an intelligent contract according to the overseas legal currency exchange condition of the overseas node for the digital currency; if the foreign node does not hold the coin license plate, the digital currency is transferred to the node with the coin license plate in the blockchain system, so that the blockchain account of the foreign node without the coin license plate is in a zero balance state, thereby removing the digital currency agency, simplifying the transaction flow, ensuring that the transaction involved in the operations of the foreign and foreign branch coin distribution, coin transfer and the like is completed by the consensus of all participants, ensuring that the account of the unlicensed participant is in the zero balance state, meeting the financial supervision requirement and reducing the transaction risk.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, and alternatives falling within the spirit and principles of the invention.

Claims (8)

1. A method for zero balance transactions across institution digital currency accounts, comprising:
acquiring digital currency issued by a blockchain system;
Storing the digital currency into a hosting node, wherein the hosting node is used for correspondingly exchanging the digital currency into a local legal currency according to a real-time exchange rate according to the overseas currency exchanging condition of the overseas node for the digital currency, and transferring the digital currency to the overseas node through an intelligent contract after the overseas node is used for transferring the digital currency to a bank account of a payee, wherein the hosting node is a multi-party signed currency pool account in the blockchain system;
And if the foreign node does not hold the coin license plate, transferring the digital money to the node with the coin license plate in the blockchain system in real time so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
2. The method of claim 1, wherein an off-shore node of the ledger record of the blockchain system that does not have a licensed coin transfers the digital currency to a transfer state of the node having the licensed coin for transmission to a service node that subsequently participates in clearing.
3. The method of claim 1, wherein a supervising node monitors blockchain accounts of nodes in the blockchain system that do not have coin license plates, and if a balance is found to exist, records the balance information.
4. A method according to claim 3, wherein the monitoring of the supervising node is real time monitoring.
5. A trans-institution digital monetary account zero balance transaction system comprising an in-house node, a hosting node, and an overseas node operating in a blockchain system, characterized by:
The internal node acquires digital currency issued by a blockchain system and stores the digital currency into a hosting node;
The escrow node transfers the digital currency to the overseas node through an intelligent contract after the overseas node correspondingly exchanges the digital currency into local legal currency according to a real-time exchange rate and transfers the local legal currency to a bank account of a payee according to the overseas currency exchange condition of the overseas node on the digital currency, wherein the escrow node is a multi-party signed currency pool account in the blockchain system;
And if the foreign node does not hold the coin license plate, transferring the digital money to the node with the coin license plate in the blockchain system in real time so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
6. A trans-institution digital money account zero balance transaction device, comprising:
the digital currency acquisition module is used for acquiring digital currency issued by the blockchain system;
The system comprises a digital currency transfer module, a host node and a block chain system, wherein the digital currency transfer module is used for storing the digital currency into the host node, the host node is used for correspondingly exchanging the digital currency into a local legal currency according to a real-time exchange rate according to the overseas exchange condition of the overseas node for the digital currency, and the host node is used for transferring the digital currency to the overseas node through an intelligent contract after the overseas node is used for transferring the digital currency to a bank account of a payee, wherein the host node is a multi-party signed currency pool account in the block chain system; and if the foreign node does not hold the coin license plate, transferring the digital money to the node with the coin license plate in the blockchain system in real time so that the blockchain account of the foreign node without the coin license plate is in a zero balance state.
7. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the computer program is executed in the processor to implement the method of any one of claims 1-4.
8. A computer readable storage medium storing a computer program, characterized in that the computer program is executed in a processor for implementing the method of any one of claims 1-4.
CN202011584326.5A 2020-12-28 2020-12-28 Cross-mechanism digital currency account zero balance transaction method, system and device Active CN112633865B (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109741045A (en) * 2019-01-23 2019-05-10 丁庆洋 The online cross-border transfer method of payment of user between a kind of business bank based on block chain
CN110866752A (en) * 2017-09-18 2020-03-06 腾讯科技(深圳)有限公司 Resource transaction method, node, device and storage medium

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110866752A (en) * 2017-09-18 2020-03-06 腾讯科技(深圳)有限公司 Resource transaction method, node, device and storage medium
CN109741045A (en) * 2019-01-23 2019-05-10 丁庆洋 The online cross-border transfer method of payment of user between a kind of business bank based on block chain

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