Cross-border remittance information processing method and device based on blockchain alliance chain

Abstract

The invention provides a cross-border remittance information processing method and device based on a blockchain alliance chain, and relates to the field of block chain technologies and finance, and the method comprises the steps: selecting a cross-border remittance route according to a remittance request; carrying out validity verification on a remittance account and a collection account in the cross-border remittance route and the remittance request; if the verification is passed, storing the current remittance state, the remittance request and the cross-border remittance route into a block chain account book of a local block chain node; generating a cross-border remittance application according to the remittance request and the cross-border remittance route, and sending the cross-border remittance application to an alliance chain management node; and when the information fed back by the alliance chain management node is that the application is passed, sending a remittance instruction to the alliance chain management node. According to the method, the problems that traditional cross-border remittance is poor in timeliness, opaque in remittance and cost, and incapable of ensuring whether collection is finished or not are solved, and the overall service quality and customer satisfaction of the industry are effectively improved.

Description

technical field [0001] The invention relates to blockchain technology and financial fields, in particular to a method and device for processing cross-border remittance information based on blockchain alliance chains. Background technique [0002] Traditional cross-border remittance involves the participation of multiple banks, and each bank needs to go through processes such as blacklist check, position confirmation, special business interception, remittance route selection, interest rate judgment, and position bookkeeping. Any problem in any step will make the report The paper landed. It usually takes several days for a cross-border remittance to arrive, and it is likely to be refunded due to the position problem of the intermediary bank or the local regulatory policy problem. Therefore, the traditional cross-border remittance process has problems such as poor timeliness, non-transparent remittance route and fees, and inability to ensure final payment. Errors are prone to ...

AI Technical Summary

Problems solved by technology

It usually takes several days for a cross-border remittance to arrive, and it is likely to be refunded due to the position problem of the intermediary bank or local regulatory policy problems

Therefore, the traditional cross-border remittance process has problems such as poor timeliness, opaque remittance route and fees, and inability to ensure final payment, which is prone to errors and low customer satisfaction

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