Block chain consortium block chain-based bank clearing method

A blockchain and alliance technology, applied in computing, instruments, payment systems, etc., can solve the problems that transaction records cannot be reconciled in a timely manner, and disputes are prone to occur, so as to reduce counterparty risk and reduce the probability of disputes. The effect of saving resources

Active Publication Date: 2017-09-22
GUANGDONG YOUMAI INFORMATION COMM TECH
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Problems solved by technology

In this way, the transaction party needs to pay the intermediary a certain fee, and the three parties must be reconciled and synchroniz...

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  • Block chain consortium block chain-based bank clearing method
  • Block chain consortium block chain-based bank clearing method

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Embodiment Construction

[0022] In the description of the present invention, the orientation or positional relationship indicated by the terms "upper", "lower", "front" and "rear" are based on the orientation or positional relationship shown in the drawings, and are only for the convenience of describing the present invention rather than Requirements that the invention must be constructed and operated in a particular orientation are not to be construed as limitations on the invention.

[0023] The specific embodiments of the present invention will be further described below in conjunction with the accompanying drawings.

[0024] The present invention provides a bank liquidation method based on blockchain alliance chain, referring to figure 1 , there are 4 nodes in the consortium chain, which are connected to the consortium chain as banks A, B, C, and D respectively, and each blockchain node communicates point-to-point with each other. As a preferred embodiment, refer to figure 2 , a kind of bank cl...

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Abstract

The invention aims at providing a block chain consortium block chain-based bank clearing method. The method comprises the following steps of: constructing a consortium block chain and a consensus algorithm; initiating a deal by a deal initiator; processing deal information by a deal receiver; after carrying out consensus on the deal by each node, carrying out a bookkeeping operation on each node of a block chain by the deal, and writing the deal information on the block chain; and calculating an offset balance amount between a charge-off amount and an entry amount by a participator, if the offset balance amount is a negative number, transferring the offset balance amount, and if the offset balance amount is a positive number, carrying out on-account processing and waiting for the remission of the offset balance amount. According to the method, de-centralized interbank payment and clearing are realized among mutual-trust bank unions, and reconciliation is not required during the settlement, so that the resources are saved and the dissension probability is greatly decreased.

Description

technical field [0001] The invention relates to a bank liquidation method based on a block chain consortium chain. Background technique [0002] In a standard interbank funds transfer process, if the sending and receiving banks do not have accounts with each other, they will have to rely on a central clearing or third-party bank. In this way, the transaction party needs to pay the intermediary a certain fee, and the three parties must be reconciled and synchronized, which is prone to disputes. If the time of each node is inconsistent, some transaction records may not be successfully reconciled in time. Contents of the invention [0003] In order to overcome the defects of the above-mentioned prior art, the embodiment of the present invention provides a bank clearing method based on the blockchain alliance chain, which realizes decentralized inter-bank payment clearing among a mutual trust bank alliance, and at the time of settlement There is no need for account reconcilia...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04G06Q20/40
CPCG06Q20/401G06Q40/02G06Q40/04
Inventor 陈强杨时杰赵清利
Owner GUANGDONG YOUMAI INFORMATION COMM TECH
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