Block chain-based remittance and account mutual transfer system and method, and remittance and account mutual transfer node

Abstract

The invention provides a block chain-based remittance and account mutual transfer system and method, and a remittance and account mutual transfer node, which can be used in the block chain field. The system comprises a remittance and account mutual transfer node and at least one client node, and the remittance and account mutual transfer node and the at least one client node form a block chain network; the client node is used for selecting an exchange rate difference fee collection mode according to the exchange rate difference fee collection mode prompt information; and the remittance and account mutual transfer node is used for issuing the foreign exchange purchasing information and the money purchase information of a customer to a block chain network, outputting the exchange rate difference fee collection mode prompt information, based on the exchange rate difference fee collection mode selected by the client, utilizing an exchange rate difference fee calculation intelligent contract to calculate the exchange rate difference fee, and on the basis of the exchange rate difference fee, utilizing a remittance and account mutual transfer transaction intelligent contract to carry out a remittance and account mutual transfer transaction. According to the invention, the remittance and account mutual transfer can be realized, and the data storage is simple, clear, traceable and non-tampering.

Description

technical field [0001] The present invention relates to the field of block chains, in particular to a system and method for banknote remittance mutual transfer based on block chain, and a banknote remittance mutual transfer node. Background technique [0002] The nature of personal foreign currency accounts includes cash accounts and cash remittance accounts. Customers often need to combine the funds in the cash remittance account to handle foreign currency wealth management products, cross-border remittance and other businesses. Due to the storage, transportation and other costs of foreign currency banknotes, the value of equal amount of cash is higher than the value of spot exchange; when banks provide foreign exchange services, they mainly earn from the exchange rate difference between the customer's purchase of foreign exchange banknotes and the settlement of foreign exchange banknotes. The local currency paid when purchasing banknotes is higher than the local currency a...

AI Technical Summary

Problems solved by technology

At present, a distributed architecture combined with a relational database is mostly used to complete the banknote transfer and fee collection logic. There are problems such as complex logic and data structure, data redundancy, and poor traceability.

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