A method, terminal and medium for inter-bank cash transfer based on blockchain

Abstract

The invention provides an interbank cash flow method based on a block chain, which comprises the following steps: a transfer-out bank application server stores the crown number information to the crown number server, and registers the packing information to the block chain node; receiving cash transfer-out request information, querying packaging information in the block chain network according tothe transfer-out request information, generating transfer information according to the transfer-out request information and the packaging information, and registering the transfer information to the block chain node; a transfer-in bank application server inquires and verifies the transfer information according to the transfer transaction identifier. If the verification is passed, the cash confirming party in the received baling information is set as the transfer-in bank, and the baling information is registered in the block chain node; the transfer status is set to the received status of the transfer-in bank, and the new transfer information is registered in the block chain node to confirm the cash transfer of the transfer-in bank. Through the block chain technology, the synchronous flow of interbank cash information flow and real logistics can be realized, so that the cash information flow data are authentic and traceable, repeated sorting is not needed, and the efficiency of cash processing is improved.

Description

technical field [0001] The present invention relates to the technical field of financial management, in particular to a blockchain-based cross-bank cash transfer method, a terminal and a medium. Background technique [0002] The most important carrier form of cash is RMB banknotes. The simplest and most intuitive representation of its identity is the serial number printed on the front of RMB. The management of the cash circulation process can be realized through the serial number and the bundle number and package number in circulation. [0003] At present, the management of cash circulation is mainly through the establishment of a centralized database system for centralized recording and management. Most of the commercial banks in my country have realized the functions of collecting, recording and querying the serial number of cash in the bank. However, in inter-bank transfers such as inter-bank cash transfers, cash handover with the People's Bank of China, and cash withdr...

AI Technical Summary

Problems solved by technology

However, in inter-bank transfers such as inter-bank cash transfers, cash handover with the People's Bank of China, and cash withdrawals, there are still problems in the synchronization of information flow and physical flow, which reduces the efficiency of cash processing and use and increases the cost of cash processing. cost

[0004] The traditional cash inter-bank transfer system lacks information security mechanisms, and data can be tampered with. Therefore, in order to avoid errors in inter-bank transfers, cash needs to be sorted repeatedly in commercial banks, and data cannot be shared, which is inefficient.

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