Cross-border payment security settlement system based on block chain technology

Abstract

The invention discloses a cross-border payment security settlement system based on a block chain technology, and relates to the technical field of security settlement, and the system comprises the steps: receiving a payment request data packet, carrying out the compliance verification of the payment request data packet, and generating an initial payment verification voucher; triggering an intelligent contract to execute cross-chain asset locking operation based on the initial payment verification certificate, and generating a cross-chain fund locking proof; constructing a multi-chain cooperation verification framework, performing cross verification on the cross-chain fund locking proof based on the multi-chain cooperation verification framework, generating a credible verification consensus result, executing real-time cross-chain settlement according to the credible verification consensus result, and synchronously updating a distributed account book of a participating chain after settlement is completed; and creating a dynamic risk control loop, carrying out risk value re-evaluation based on the transaction data flow corresponding to the real-time chain, generating a dynamic risk control parameter, and carrying out liquidation margin adjustment and abnormal transaction blocking according to the dynamic risk control parameter. The method has the effect of improving the security settlement efficiency.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of safe settlement, in particular to a cross-border payment safe settlement system based on blockchain technology. BACKGROUND

[0002] Cross-border settlement, as a basic financial tool in international trade, mainly includes remittance, letter of credit and collection. The above settlement methods have wide applicability in the field of international goods trade, among which the letter of credit as a bank credit certificate with legal effect plays a key role in ensuring the safety of cross-border transactions. According to the foreign exchange management specification, different settlement methods need to follow the corresponding international practices and regulatory framework.

[0003] In the related art, the existing cross-border payment safe settlement system faces problems such as low efficiency of on-chain compliance verification and insufficient real-time risk control capability when dealing with high-frequency cross-border transactions. For example, anti-money laundering screening relies on off-chain manual review, resulting in transaction delays and operational risks, and lacks dynamic recognition capability for abnormal transaction patterns, thereby leading to a decline in payment safe settlement efficiency, which needs to be improved. SUMMARY

[0004] In view of the deficiencies of the prior art, the present application provides a cross-border payment safe settlement system based on blockchain technology.

[0005] In a first aspect, the present application provides a cross-border payment safe settlement system based on blockchain technology, comprising: A data receiving and verifying module is configured to receive a payment request data packet through a blockchain node network, perform compliance verification on the payment request data packet, and generate an initial payment verification voucher based on the verification result; A processing module is configured to trigger an intelligent contract to perform a cross-chain asset locking operation based on the initial payment verification voucher, establish a multi-layer asset mapping relationship between heterogeneous blockchain networks, and generate a cross-chain fund locking proof; A verification and identification module is configured to build a multi-chain collaborative verification framework, cross-verify the cross-chain fund locking proof based on the multi-chain collaborative verification framework, generate a trusted verification consensus result, and perform real-time cross-chain settlement according to the trusted verification consensus result, and update the distributed ledger of the participating chain in synchronization after completing the settlement; A risk control module is configured to create a dynamic risk control loop, reevaluate the risk value based on the real-time chain corresponding transaction data stream, generate dynamic risk control parameters, and implement clearing margin adjustment and abnormal transaction blocking according to the dynamic risk control parameters; A report generation module is configured to build a multi-chain transaction tracking map, implement full life cycle traceability monitoring on the completed settlement transaction, and generate a transaction integrity audit report.

[0006] Preferably, the compliance verification includes foreign exchange control compliance review verification, anti-money laundering rule matching verification, and payment party digital identity verification. The multi-layer asset mapping relationship includes an asset type mapping layer, an exchange rate anchoring layer, and a cross-chain liquidity pool correlation layer. The multi-chain cooperation verification framework adopts a hybrid consensus mechanism to realize cross-chain transaction verification. The dynamic risk control loop includes a market volatility factor tracking unit, a credit default swap value calculation unit, and a real-time margin rate adjustment unit.

[0007] Preferably, the data receiving verification module specifically includes: The payment request data packet is received through the edge access gateway corresponding to the blockchain node network, and the payment request data packet contains the transaction subject digital identity, the payment currency type, and the cross-border routing information. The payment request data packet is protocol layer unpacked, and the payment party blockchain address, the payee SWIFT code, and the transaction target hash value are extracted. The compliance strategy smart contract on the supervision chain is called to cross-compare the payment party blockchain address with the anti-money laundering blacklist, and the preliminary compliance screening result is generated. Based on the off-chain oracle service, the real-time foreign exchange control rule dataset is obtained, the payment currency type and the transaction target hash value are analyzed for control regulation matching degree, and the control regulation matching degree analysis result is generated. The transaction subject digital identity is verified through the zero-knowledge proof protocol, and the digital identity verification certificate is generated. The initial payment verification certificate is generated by integrating the preliminary compliance screening result, the control regulation matching degree analysis result, and the digital identity verification certificate, and the initial payment verification certificate is written into the alliance chain audit log to generate the verification certificate evidence hash.

[0008] Preferably, the processing module specifically includes: The initial payment verification certificate is parsed to determine the heterogeneous blockchain network type and asset category, and the cross-chain routing smart contract is called to generate multi-chain interoperability middleware configuration parameters according to the heterogeneous blockchain network type. The digital assets of the initiating chain are locked through the atomic exchange protocol, a shadow asset custodian account is created on the target chain, an asset mapping relationship smart contract is deployed on the alliance chain, and a multi-layer asset mapping relationship is established. Based on the multi-layer asset mapping relationship and the multi-chain interoperability middleware configuration parameters, a cross-chain fund locking proof is generated, and the metadata corresponding to the cross-chain fund locking proof is written into the side chain audit unit of each participating chain.

[0009] Preferably, the verification and identification module specifically includes: A multi-chain collaborative verification framework is constructed, which includes a trusted verification node cluster, a cross-chain state relay, and a light client verifier; A verification request for the cross-chain fund locking proof is obtained, and the cross-chain fund locking proof is subjected to multi-signature verification in the trusted verification node cluster; The Merkle proof of each participating chain is subjected to SPV (Simplified Payment Verification) by the light client verifier; A trusted execution environment is run in the cross-chain state relay to reconcile the consensus state differences of heterogeneous chains; When the multi-signature verification and payment verification pass rates exceed a preset threshold, a trusted verification consensus result is generated, and a cross-chain settlement operation of the atomic exchange protocol is triggered; The ledger update instruction is sent to each participating chain through the cross-chain message bus, and the distributed ledger is updated synchronously based on the ledger update instruction.

[0010] Preferably, the risk control module specifically includes: A dynamic risk control loop is created, the dynamic risk exposure of each participant is calculated using a risk value model, initial risk control parameters are generated, the credit default swap value of the participating institutions is jointly modeled by a credit default swap value calculation unit, a credit risk correction factor is output, and the corresponding fund turnover rate of the liquidity pool is analyzed based on the dynamic risk control loop, and then the liquidity risk coefficient is calculated; The initial risk control parameters, the credit risk correction factor, and the liquidity risk coefficient are fused to generate dynamic risk control parameters, the margin rate of the clearing guarantee fund is adjusted based on the dynamic risk control parameters, and an abnormal transaction mode recognition threshold is set; When abnormal fluctuations in transaction traffic are detected, the smart contract cascading blocking mechanism is triggered.

[0011] Preferably, the report generation module specifically includes: A multi-dimensional transaction tracking map is constructed, which includes a transaction metadata map, a fund flow direction map, and a compliance evidence map; According to the transaction metadata map, the fund flow direction map, and the compliance evidence map, the transaction hash correlation proof, the fund closed-loop verification report, and the compliance audit track data are confirmed, and then the transaction integrity audit report is generated based on the transaction hash correlation proof, the fund closed-loop verification report, and the compliance audit track data.

[0012] In a second aspect, the present application provides a cross-border payment security settlement method based on blockchain technology, comprising the following steps: Receiving a payment request data packet through a blockchain node network, performing compliance verification on the payment request data packet, and generating an initial payment verification voucher based on the verification result; Triggering an intelligent contract to perform a cross-chain asset locking operation based on the initial payment verification voucher, establishing a multi-layer asset mapping relationship between heterogeneous blockchain networks, and generating a cross-chain fund locking proof; Building a multi-chain collaborative verification framework, cross-verifying the cross-chain fund locking proof based on the multi-chain collaborative verification framework, generating a trusted verification consensus result, and performing real-time cross-chain settlement according to the trusted verification consensus result, and synchronously updating the distributed ledger of the participating chain after completing the settlement; Creating a dynamic risk control loop, reevaluating the risk value based on the real-time chain corresponding transaction data stream, generating dynamic risk control parameters, and adjusting the clearing margin and blocking abnormal transactions according to the dynamic risk control parameters; Building a multi-chain transaction tracking map to implement full life cycle traceability monitoring on the completed transaction, and generating a transaction integrity audit report.

[0013] In a third aspect, the application provides a computer-readable storage medium storing instructions that, when executed on a computer, cause the computer to perform any of the above-described cross-border payment security settlement systems based on blockchain technology.

[0014] In summary, the present application has the following beneficial technical effects: The present application provides a cross-border payment security settlement system based on blockchain technology, which effectively improves the efficiency of compliance verification by performing compliance verification on the payment request data packet to generate an initial payment verification voucher, and further generates a cross-chain fund locking proof by triggering an intelligent contract to perform a cross-chain asset locking operation based on the initial payment verification voucher. The cross-chain fund locking proof is cross-verified to generate a trusted verification consensus result, and real-time cross-chain settlement is performed according to the trusted verification consensus result, and the distributed ledger of the participating chain is synchronously updated after completing the settlement. The risk value is reevaluated based on the real-time chain corresponding transaction data stream to generate dynamic risk control parameters, and the clearing margin is adjusted and abnormal transactions are blocked according to the dynamic risk control parameters, thereby effectively identifying abnormal transaction patterns, thereby effectively improving the efficiency of payment security settlement. BRIEF DESCRIPTION OF DRAWINGS

[0015] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings needed to be used for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application, and those skilled in the art can obtain other drawings according to these drawings without creating any creative labor.

[0016] Figure 1 is a system schematic diagram of cross-border payment security settlement based on blockchain technology according to an embodiment of the present application.

[0017] Figure 2 is a method flowchart of cross-border payment security settlement based on blockchain technology according to an embodiment of the present application. DETAILED DESCRIPTION

[0018] The following description will be made in conjunction with the accompanying Figures 1-2 The present application is further described in detail.

[0019] Embodiment 1 An embodiment of the present application discloses a cross-border payment security settlement system based on blockchain technology.

[0020] With reference to Figure 1 A cross-border payment security settlement system based on blockchain technology comprises: A data receiving and verifying module is configured to receive a payment request data packet through a blockchain node network, perform compliance verification on the payment request data packet, and generate an initial payment verification voucher based on the verification result; A processing module is configured to trigger an intelligent contract to perform a cross-chain asset locking operation based on the initial payment verification voucher, establish a multi-layer asset mapping relationship between heterogeneous blockchain networks, and generate a cross-chain fund locking proof; A verification and identification module is configured to build a multi-chain collaborative verification framework, cross-verify the cross-chain fund locking proof based on the multi-chain collaborative verification framework, generate a trusted verification consensus result, and perform real-time cross-chain settlement according to the trusted verification consensus result, and update the distributed ledger of the participating chain in synchronization after completing the settlement; A risk control module is configured to create a dynamic risk control loop, reevaluate the risk value based on the real-time chain corresponding transaction data flow, generate dynamic risk control parameters, and implement clearing margin adjustment and abnormal transaction blocking according to the dynamic risk control parameters; A report generation module is configured to build a multi-chain transaction tracking map, implement full life cycle traceability monitoring on the completed settlement transaction, and generate a transaction integrity audit report.

[0021] Further, the compliance verification includes foreign exchange regulation compliance review verification, anti-money laundering rule matching verification, and payment party digital identity verification; The multi-layer asset mapping relationship includes an asset type mapping layer, an exchange rate anchoring layer, and a cross-chain liquidity pool association layer; The multi-chain collaborative verification framework realizes cross-chain transaction verification by using a hybrid consensus mechanism; The dynamic risk control loop includes a market volatility rate factor tracking unit, a credit default swap value calculation unit, and a real-time margin rate adjustment unit.

[0022] It should be noted that the data receiving verification module specifically includes: The edge access gateway corresponding to the blockchain node network receives a payment request data packet, and the payment request data packet contains a transaction subject digital identity, a payment currency type, and cross-border routing information; The payment request data packet is protocol layer unpacked, and the payer blockchain address, the payee SWIFT code, and the transaction subject hash value are extracted; The compliance strategy smart contract on the supervision chain is called to cross-compare the payer blockchain address with the anti-money laundering blacklist, and a preliminary compliance screening result is generated; Based on the off-chain oracle service, a real-time foreign exchange regulation data set is obtained, the payment currency type and the transaction subject hash value are matched with the regulation, and a regulation matching degree analysis result is generated; The transaction subject digital identity is verified through a zero-knowledge proof protocol, and a digital identity verification credential is generated; The initial payment verification credential is generated by combining the preliminary compliance screening result, the regulation matching degree analysis result, and the digital identity verification credential, and the initial payment verification credential is written into the alliance chain audit log to generate a verification credential evidence hash.

[0023] Specifically, in the blockchain cross-border payment system, the edge access gateway corresponding to the blockchain node network receives a payment request data packet containing a transaction subject digital identity, a payment currency type, and cross-border routing information. For example, when a certain enterprise pays an overseas supplier, the data packet carries the digital identity of the enterprise, the payment currency, and the routing information. The data packet is protocol layer unpacked, and the payer blockchain address, the payee SWIFT code, and the transaction subject hash value are extracted. For example, the payer's address in Ethereum, the payee's bank's SWIFT code, and the transaction commodity's hash value are parsed from the data packet. The compliance strategy smart contract on the supervision chain is called, and the payer blockchain address is cross-compared with the anti-money laundering blacklist. If the payer blockchain address appears in the blacklist, an initial screening result of non-compliance is generated. At the same time, based on the off-chain oracle service, a real-time foreign exchange regulation data set is obtained, and the payment currency and the subject hash value are matched with the regulation. For example, if the payment currency is a regulated currency and the subject belongs to a restricted transaction category, the matching degree analysis result will indicate high risk. The transaction subject digital identity is verified through a zero-knowledge proof protocol, and a digital identity verification credential is generated without revealing the specific information of the identity. The initial payment verification credential is generated by combining the above results, and is written into the alliance chain audit log to generate a verification credential evidence hash, thereby ensuring the traceability of the entire process. The above implementation method: through multi-level compliance screening and technical verification, it can not only meet the regulatory requirements, but also protect transaction privacy and security, thereby building an efficient and reliable cross-border payment system.

[0024] It should be noted that the processing module specifically includes: The corresponding cross-chain transaction topology in the initial payment verification voucher is parsed to determine the heterogeneous blockchain network type and asset category, and a cross-chain routing smart contract is called to generate multi-chain interoperability middleware configuration parameters according to the heterogeneous blockchain network type; The atomic exchange protocol is used to lock the digital assets of the initiator chain, a shadow asset custodian account is created on the target chain, an asset mapping relationship smart contract is deployed on the alliance chain, and a multi-layer asset mapping relationship is established; Based on the multi-layer asset mapping relationship and the multi-chain interoperability middleware configuration parameters, a cross-chain fund locking certificate is generated, and the metadata corresponding to the cross-chain fund locking certificate is written into the side chain audit unit of each participating chain.

[0025] Specifically, the corresponding cross-chain transaction topology in the initial payment verification voucher is parsed to determine the type of heterogeneous blockchain network and the category of assets. For example, when the transaction involves USDT on the Ethereum chain and enterprise bonds on the Hyperledger chain, the interaction between stablecoins and bond assets across heterogeneous chains is identified, and a cross-chain routing smart contract is called to generate configuration parameters for multi-chain interoperability middleware according to the identified chain type. The configuration parameters include inter-chain communication protocols, data format conversion rules, etc. The atomic exchange protocol is used to lock the digital assets of the initiator chain, a shadow asset custodian account is created on the target chain, an asset mapping relationship smart contract is deployed on the alliance chain, and a multi-layer asset mapping relationship is established. For example, the first layer is the correspondence between the initiator chain assets and the alliance chain mapping credentials, and the second layer is the association between the alliance chain credentials and the target chain shadow assets, thereby ensuring that the assets have a clear identity mapping during cross-chain processing. Based on the multi-layer mapping relationship and the middleware configuration parameters, a cross-chain fund locking certificate is generated, which records the asset locking state and cross-chain path information. At the same time, the metadata of the certificate is written into the side chain audit unit of each participating chain, realizing full-chain data synchronization and traceability.

[0026] By accurately identifying the type of heterogeneous chain and the category of assets, the above technical solution ensures the compatibility of cross-chain operations. The atomic exchange protocol and the shadow asset custodian mechanism ensure the security of asset transfer, avoiding loss or tampering of funds during cross-chain processing. The multi-layer asset mapping relationship and the smart contract deployment make complex cross-chain transactions traceable and transparent. The metadata writing of the side chain audit unit strengthens the regulatory compliance, making it easy for auditing agencies to track the flow of funds in real time, thereby building a safe, efficient, and compliant cross-chain payment system, and promoting seamless asset transfer between different blockchain networks.

[0027] It should be noted that the verification identification module specifically includes: A multi-chain collaborative verification framework is constructed, which includes a trusted verification node cluster, a cross-chain state relay, and a light client verifier; The verification request of the cross-chain fund locking proof is obtained, and the cross-chain fund locking proof is subjected to multi-signature verification in the trusted verification node cluster; The light client verifier performs SPV simplified payment verification on the Merkle proof of each participating chain; A trusted execution environment is run in the cross-chain state relay to reconcile the consensus state differences of heterogeneous chains; And when the pass rates of multi-signature verification and payment verification exceed a preset threshold, a trusted verification consensus result is generated, and a cross-chain settlement operation of the atomic exchange protocol is triggered; Through the cross-chain message bus, account book update instructions are sent to each participating chain, and then the distributed account books are synchronously updated based on the account book update instructions.

[0028] In the multi-chain collaborative verification link of cross-border payment in the embodiments of the present application, a multi-chain collaborative verification framework including a trusted verification node cluster, a cross-chain state relay, and a light client verifier is constructed. When the verification request of the cross-chain fund locking proof is obtained, for example, the proof of USDT cross-chain locking between Ethereum and Hyperledger, a multi-signature verification mechanism is started in the trusted verification node cluster, and multiple nodes respectively confirm the legality of the proof by signature; The light client verifier performs SPV simplified payment verification on the Merkle proof of each participating chain, and a trusted execution environment is run in the cross-chain state relay to reconcile the consensus state differences of heterogeneous chains. For example, Ethereum uses PoS consensus, and Hyperledger uses PBFT consensus, and there are differences in block generation time and state confirmation mechanism between the two. Running a trusted execution environment can synchronize and calibrate the state of each chain in real time, ensure that the states of each chain are consistent in recognizing that the funds have been locked in cross-chain transactions, and avoid transaction disputes caused by consensus differences; When the pass rates of multi-signature verification and SPV payment verification exceed a preset threshold, a trusted verification consensus result is generated, and a cross-chain settlement operation of the atomic exchange protocol is triggered, and then the assets locked by the chain are unlocked according to the rules, and the shadow assets of the target chain are activated; Through the cross-chain message bus, account book update instructions are sent to each participating chain, and then the distributed account books are synchronously updated, for example, the account books of Ethereum and Hyperledger record the final state of USDT cross-chain transfer at the same time, ensuring that all on-chain data is consistent.

[0029] It should be noted that the risk control module specifically includes: The dynamic risk control loop is created, the risk value model is used to calculate the dynamic risk exposure of each participant, initial risk control parameters are generated, the credit default swap value of the participating institutions is jointly modeled through a credit default swap value calculation unit, a credit risk correction factor is output, and the liquidity risk coefficient is calculated based on the analysis of the money turnover rate corresponding to the liquidity pool in the dynamic risk control loop; The dynamic risk control parameters are generated by fusing the initial risk control parameters, the credit risk correction factor and the liquidity risk coefficient, and the margin rate of the clearing margin is adjusted based on the dynamic risk control parameters, and an abnormal transaction mode recognition threshold is set. When abnormal fluctuations in transaction flow are detected, the smart contract cascading blocking mechanism is triggered.

[0030] Specifically, in the embodiments of the present application, a dynamic risk control loop is established, the risk value model is used to perform historical backtracking simulation on the position data of each participant, the maximum potential loss value within 24 hours in the future is calculated as the initial risk control parameter based on the setting of 95% confidence, the credit default swap value calculation unit integrates the credit rating data of the trading counterparties, the historical default probability and the industry credit spread index to generate a credit event probability distribution curve, quantifies the credit default swap value as the product of the expected loss compensation amount and the risk exposure duration, and then outputs the credit risk correction factor in the 0-1 interval. When calculating the liquidity risk coefficient, the asset categories, lock period and money turnover rate parameters in the liquidity pool are analyzed, and the liquidity ratio, quick ratio and other indicators are weighted and fused to map the liquidity risk coefficient. The initial risk control parameters, the credit risk correction factor and the liquidity risk coefficient are dynamically weighted according to the preset weight proportion, to generate dynamic risk control parameters. Based on the dynamic risk control parameters, the margin rate of the clearing margin is gradient controlled: when the dynamic risk control parameters exceed the threshold interval, the margin rate is stepped up by the exceeding proportion; at the same time, an abnormal transaction recognition model is deployed, multi-dimensional recognition thresholds are set by monitoring the sudden increase in transaction volume, abnormal narrowing of bid-ask spread and other feature combinations. When the abnormal transaction alarm is triggered, the smart contract cascading blocking mechanism is immediately started.

[0031] It should be noted that the report generation module specifically includes: A multi-dimensional transaction tracking map is constructed, which includes a transaction metadata map, a fund flow direction map and a compliance evidence map; According to the transaction metadata map, the fund flow direction map and the compliance evidence map, transaction hash correlation proof, fund closed loop verification report and compliance audit track data are respectively confirmed, and then a transaction integrity audit report is generated based on the transaction hash correlation proof, the fund closed loop verification report and the compliance audit track data.

[0032] Embodiment 2 The embodiment of the application further discloses a cross-border payment security settlement method based on a blockchain technology.

[0033] With reference to Figure 2 The cross-border payment security settlement method based on the blockchain technology comprises the following steps: A payment request data packet is received through a blockchain node network, compliance verification is performed on the payment request data packet, and an initial payment verification voucher is generated based on a result of the verification; An intelligent contract is triggered based on the initial payment verification voucher to perform a cross-chain asset locking operation, a multi-layer asset mapping relationship is established between heterogeneous blockchain networks, and a cross-chain fund locking certificate is generated; A multi-chain collaborative verification framework is constructed, the cross-chain fund locking certificate is cross-verified based on the multi-chain collaborative verification framework, a trusted verification consensus result is generated, real-time cross-chain settlement is performed according to the trusted verification consensus result, and a distributed ledger of a participating chain is synchronously updated after the settlement is completed; A dynamic risk control loop is created, risk value reevaluation is performed based on real-time transaction data flow of a corresponding chain, dynamic risk control parameters are generated, and margin adjustment and abnormal transaction blocking are implemented according to the dynamic risk control parameters; A multi-chain transaction tracking map is constructed, and a transaction integrity audit report is generated by performing full-life-cycle source monitoring on a completed transaction.

[0034] The above content is merely an example and description of the concept of the application, and those skilled in the art can make various modifications or supplements or use similar ways to replace the described specific embodiments, as long as the concept of the application is not deviated, which shall belong to the protection scope of the application.

[0035] In the description of the specification, the description of the terms "one embodiment", "example", "specific example" and the like means that the specific features, structures, materials or characteristics described in combination with the embodiment or example are contained in at least one embodiment or example of the application. In the specification, the illustrative description of the above terms does not necessarily refer to the same embodiment or example. Moreover, the described specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0036] The preferred embodiments of the application disclosed above are only used to help explain the application. The preferred embodiments do not describe all the details, nor limit the application to the specific embodiments. Obviously, many modifications and changes can be made according to the content of the specification. The specification selects and describes these embodiments in order to better explain the principles and practical applications of the application, so that those skilled in the art can well understand and utilize the application.

Claims

1. A cross-border payment security settlement system based on blockchain technology, characterized by: include: A data receiving and verification module is used to receive payment request data packets through the blockchain node network, verify the compliance of the payment request data packets, and generate an initial payment verification certificate based on the verification results; The processing module is used to trigger the smart contract to perform cross-chain asset locking operations based on the initial payment verification certificate, establish a multi-layer asset mapping relationship between heterogeneous blockchain networks, and generate a cross-chain fund locking certificate; A verification and identification module is used to build a multi-chain collaborative verification framework, cross-verify cross-chain fund lock proofs based on the multi-chain collaborative verification framework, generate a trusted verification consensus result, and perform real-time cross-chain settlement based on the trusted verification consensus result. After the settlement is completed, the distributed ledgers of the participating chains are synchronously updated; The risk control module is used to create a dynamic risk control loop, re-evaluate the risk value based on the transaction data flow corresponding to the real-time chain, generate dynamic risk control parameters, and implement liquidation margin adjustments and abnormal transaction blocking based on the dynamic risk control parameters; The report generation module is used to build a multi-chain transaction tracking map, implement full life cycle traceability monitoring of settled transactions, and generate transaction integrity audit reports.

2. A cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that: The compliance verification includes foreign exchange control compliance review and verification, anti-money laundering rules matching verification, and digital identity verification of both parties to the payment; The multi-layer asset mapping relationship includes an asset type mapping layer, an exchange rate anchoring layer, and a cross-chain liquidity pool association layer; The multi-chain collaborative verification framework adopts a hybrid consensus mechanism to realize cross-chain transaction verification; The dynamic risk control loop includes a market volatility factor tracking unit, a credit default swap value calculation unit and a real-time margin rate adjustment unit.

3. A cross-border payment security settlement system based on blockchain technology according to claim 2, characterized in that: The data receiving and verification module specifically includes: Receive a payment request data packet through the edge access gateway corresponding to the blockchain node network, wherein the payment request data packet includes the digital identity of the transaction subject, the payment currency type, and cross-border routing information; Decapsulate the payment request data packet at the protocol layer to extract the payer's blockchain address, the payee's SWIFT code, and the transaction subject's hash value; Call the compliance policy smart contract on the custody chain to cross-check the payer's blockchain address against the anti-money laundering blacklist and generate preliminary compliance screening results; Obtain a real-time foreign exchange control rule dataset based on an off-chain oracle service, perform a control regulation match analysis on the payment currency type and the transaction subject hash value, and generate a control regulation match analysis result; Verify the digital identity of the transaction subject through the zero-knowledge proof protocol and generate a digital identity verification certificate; An initial payment verification certificate is generated based on the preliminary compliance screening results, the regulatory regulations matching analysis results and the digital identity verification certificate, and the initial payment verification certificate is written into the alliance chain audit log to generate a verification certificate storage hash.

4. A cross-border payment security settlement system based on blockchain technology according to claim 2, characterized in that: The processing module specifically includes: Parsing the cross-chain transaction topology corresponding to the initial payment verification certificate, determining the heterogeneous blockchain network type and asset category, and invoking the cross-chain routing smart contract to generate multi-chain interoperability middleware configuration parameters based on the heterogeneous blockchain network type; Lock the digital assets of the initiating chain through the atomic swap protocol, create a shadow asset custody account on the target chain, deploy the asset mapping relationship smart contract on the consortium chain, and establish a multi-layer asset mapping relationship; A cross-chain fund lock certificate is generated based on the multi-layer asset mapping relationship and the multi-chain interoperability middleware configuration parameters, and the metadata corresponding to the cross-chain fund lock certificate is written into the side chain audit unit of each participating chain.

5. A cross-border payment security settlement system based on blockchain technology according to claim 2, characterized in that: The verification and identification module specifically includes: Build a multi-chain collaborative verification framework, which includes a trusted verification node cluster, a cross-chain state relayer, and a light client validator; Obtain a verification request for the cross-chain funds locked proof, and perform multi-signature verification on the cross-chain funds locked proof in a trusted verification node cluster; Perform SPV simplified payment verification on the Merkle proofs of each participating chain through a light client validator; Run a trusted execution environment in a cross-chain state relay to reconcile the consensus state differences between heterogeneous chains; When the pass rate of multi-signature verification and payment verification exceeds the preset threshold, a trusted verification consensus result is generated, triggering the cross-chain settlement operation of the atomic swap protocol; The ledger update instructions are sent to each participating chain through the cross-chain message bus, and the distributed ledger is then synchronously updated based on the ledger update instructions.

6. A cross-border payment security settlement system based on blockchain technology according to claim 2, characterized in that: The risk control module specifically includes: Create a dynamic risk control loop, use the value-at-risk model to calculate the dynamic risk exposure of each participant, generate initial risk control parameters, jointly model the credit default swap values ​​of participating institutions through the credit default swap value calculation unit, output the credit risk correction factor, and analyze the capital turnover rate corresponding to the liquidity pool based on the dynamic risk control loop to calculate the liquidity risk coefficient; fusing the initial risk control parameters, the credit risk correction factor, and the liquidity risk coefficient to generate dynamic risk control parameters, adjusting the collateral ratio of the liquidation margin based on the dynamic risk control parameters, and setting an abnormal trading pattern recognition threshold; When abnormal fluctuations in transaction flow are detected, the smart contract cascade blocking mechanism is triggered.

7. The cross-border payment security settlement system based on blockchain technology according to claim 1 is characterized in that: The report generation module specifically includes: Constructing a multi-dimensional transaction tracking map, which includes a transaction metadata map, a funds flow map, and a compliance evidence map; Based on the transaction metadata map, capital flow map and compliance evidence map, the transaction hash correlation proof, capital closed-loop verification report and compliance audit track data are respectively confirmed, and then the transaction integrity audit report is generated based on the transaction hash correlation proof, capital closed-loop verification report and compliance audit track data.

8. A cross-border payment security settlement method based on blockchain technology, applied to a cross-border payment security settlement system based on blockchain technology as described in any one of claims 1 to 7, characterized in that: The following steps are involved: Receive payment request data packets through the blockchain node network, verify the compliance of the payment request data packets, and generate initial payment verification credentials based on the verification results; Based on the initial payment verification certificate, the smart contract is triggered to execute the cross-chain asset locking operation, establish a multi-layer asset mapping relationship between heterogeneous blockchain networks, and generate a cross-chain fund locking certificate; Build a multi-chain collaborative verification framework, and cross-verify cross-chain fund lock proofs based on the multi-chain collaborative verification framework, generate a trusted verification consensus result, and perform real-time cross-chain settlement based on the trusted verification consensus result. After the settlement is completed, the distributed ledgers of the participating chains are synchronously updated; Create a dynamic risk control loop, re-evaluate the risk value based on the transaction data flow corresponding to the real-time chain, generate dynamic risk control parameters, and implement liquidation margin adjustments and abnormal transaction blocking based on the dynamic risk control parameters; Build a multi-chain transaction tracking map, implement full life cycle traceability monitoring for settled transactions, and generate transaction integrity audit reports.

9. A computer-readable storage medium, characterized in that: Instructions are stored, and when the instructions are run on a computer, the computer is caused to execute a cross-border payment security settlement system based on blockchain technology as described in any one of claims 1 to 7.

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