Cross-border transaction method and device based on block chain and hardware equipment

Abstract

The invention discloses a cross-border transaction method and device based on a block chain and hardware equipment, relates to the technical field of block chains, and is used for improving the cross-border transaction efficiency and reducing the agent cost of cross-border transaction. According to the main technical scheme, the method comprises the steps of obtaining a submitted transaction country, a target transaction country, a submitted user, a target user and a submitted country transaction amount in a cross-border transaction smart contract; determining an intermediate currency amount corresponding to the transaction amount of the submitted country according to the exchange rate of the submitted transaction country and the intermediate currency in the exchange rate exchange table; determining a target country transaction amount corresponding to the intermediate currency amount according to the exchange rate of the target transaction country and the intermediate currency in the exchange rate exchange table; sending a deduction request to the first cross-border bank transaction node and the second cross-border bank transaction node; and when receiving deduction success information sent by the first cross-border bank transaction node and receiving remittance success information sent by the second cross-border bank transaction node, determining that the cross-border transaction smart contract is successfully executed.

Description

technical field [0001] The present invention relates to the technical field of blockchain, in particular to a blockchain-based cross-border transaction method, device and hardware equipment. Background technique [0002] Blockchain is a recording technology that is different from traditional centralized accounting methods. Nodes participating in the blockchain system may not belong to the same organization and do not need to trust each other; blockchain data is jointly maintained by all nodes, and each participant Maintaining nodes can get a copy of the complete record. Compared with traditional bookkeeping technology, its characteristics include: maintaining a growing chain, it is only possible to add records, and the records that have occurred cannot be tampered with; consensus can be reached without centralized control, etc. [0003] At present, the cross-border payment business is based on the SWIFT agency model, which has the characteristics of centralization. There ar...

AI Technical Summary

Problems solved by technology

The payment method based on the SWIFT agent model has the following defects: the business model of cross-border payment business passes through multiple agent banks, which will lead to long payment paths and low payment efficiency; due to the possible time difference between the remittance bank and the payee bank and the agent bank, Or the correspondent bank is on a holiday, which increases the time consumption of cross-border payments; customers need to pay fees to the correspondent bank for remittances, which will lead to high costs

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