A cross-border payment security settlement system based on blockchain technology

Abstract

The application discloses a cross-border payment security settlement system based on a blockchain technology, relates to the technical field of security settlement, and comprises the following steps: receiving a payment request data packet, performing compliance verification on the payment request data packet, and generating an initial payment verification voucher; triggering an intelligent contract to perform a cross-chain asset locking operation based on the initial payment verification voucher, and generating a cross-chain fund locking certificate; constructing a multi-chain collaborative verification framework, cross- verifying the cross-chain fund locking certificate based on the multi-chain collaborative verification framework, generating a trusted verification consensus result, performing real-time cross-chain settlement according to the trusted verification consensus result, and synchronously updating a distributed ledger of a participating chain after the settlement is completed; creating a dynamic risk control loop, reevaluating the risk value based on transaction data flow corresponding to a real-time chain, generating a dynamic risk control parameter, and implementing clearing margin adjustment and abnormal transaction blocking according to the dynamic risk control parameter. The application has the effect of improving security settlement efficiency.

Description

Technical Field

[0001] This application relates to the field of secure settlement technology, and in particular to a secure cross-border payment settlement system based on blockchain technology. Background Technology

[0002] Cross-border settlement, as a fundamental financial instrument in international trade, mainly includes three settlement methods: remittance, letters of credit, and collection. These methods are widely applicable in the international goods trade sector. Among them, letters of credit, as legally valid bank credit instruments, play a crucial role in ensuring the security of cross-border transactions. According to foreign exchange management regulations, different settlement methods must comply with corresponding international practices and regulatory frameworks.

[0003] In related technologies, existing cross-border payment security settlement systems face problems such as low efficiency of on-chain compliance verification and insufficient real-time risk control capabilities when dealing with high-frequency cross-border transactions. For example, anti-money laundering screening relies on off-chain manual review, which leads to transaction delays and operational risks. Furthermore, they lack the ability to dynamically identify abnormal transaction patterns, which in turn reduces the efficiency of payment security settlement and needs improvement. Summary of the Invention

[0004] To address the shortcomings of existing technologies, this application provides a secure cross-border payment settlement system based on blockchain technology.

[0005] Firstly, this application provides a cross-border payment security settlement system based on blockchain technology, comprising:

[0006] The 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.

[0007] The processing module is used to trigger a smart contract based on the initial payment verification certificate to perform cross-chain asset locking operations, establish multi-layer asset mapping relationships between heterogeneous blockchain networks, and generate cross-chain fund locking proofs.

[0008] The verification and identification module is used to construct a multi-chain collaborative verification framework, and to cross-verify the cross-chain fund lock-up proof 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 ledger of the participating chains is updated synchronously.

[0009] The risk control module is used to create a dynamic risk control loop, reassess the risk value based on the real-time transaction data stream corresponding to the chain, generate dynamic risk control parameters, and implement liquidation margin adjustments and abnormal transaction blocking according to the dynamic risk control parameters.

[0010] The report generation module is used to build a multi-chain transaction tracking graph, implement full lifecycle traceability monitoring for settled transactions, and generate transaction integrity audit reports.

[0011] Preferably, the compliance verification includes foreign exchange control compliance review verification, anti-money laundering rule matching verification, and digital identity verification of both parties to the payment;

[0012] The multi-layered asset mapping relationship includes an asset type mapping layer, an exchange rate anchoring layer, and a cross-chain liquidity pool association layer;

[0013] The multi-chain collaborative verification framework uses a hybrid consensus mechanism to achieve cross-chain transaction verification.

[0014] 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.

[0015] Preferably, the data receiving verification module specifically includes:

[0016] The payment request data packet is received through the edge access gateway corresponding to the blockchain node network. The payment request data packet contains the digital identity of the transaction subject, the type of payment currency, and cross-border routing information.

[0017] The payment request data packet is decapsulated at the protocol layer to extract the payer's blockchain address, the payee's SWIFT code, and the hash value of the transaction object;

[0018] The compliance strategy smart contract on the regulatory chain is invoked to perform cross-comparison of the payment party's blockchain address with the anti-money laundering blacklist, generating preliminary compliance screening results.

[0019] Based on the off-chain oracle service, a real-time foreign exchange control rule dataset is obtained. The matching degree of the control regulations is analyzed between the payment currency type and the hash value of the transaction object, and the matching degree analysis results are generated.

[0020] Verify the digital identity of the transaction entity through a zero-knowledge proof protocol and generate a digital identity verification certificate;

[0021] Based on the preliminary compliance screening results, regulatory matching results, and digital identity verification credentials, an initial payment verification credential is generated, and the initial payment verification credential is written into the consortium blockchain audit log to generate a verification credential storage hash.

[0022] Preferably, the processing module specifically includes:

[0023] The cross-chain transaction topology structure corresponding to the initial payment verification certificate is analyzed to determine the heterogeneous blockchain network type and asset category. The cross-chain routing smart contract is invoked to generate multi-chain interoperability middleware configuration parameters according to the heterogeneous blockchain network type.

[0024] The digital assets of the initiating chain are locked through an atomic swap protocol, while a shadow asset custody account is created on the target chain. A smart contract for asset mapping relationship is deployed on the consortium chain to establish a multi-layered asset mapping relationship.

[0025] Based on the multi-layer asset mapping relationship and the configuration parameters of the multi-chain interoperability middleware, a cross-chain fund lock-up certificate is generated, and the metadata corresponding to the cross-chain fund lock-up certificate is written into the sidechain audit unit of each participating chain.

[0026] Preferably, the verification and identification module specifically includes:

[0027] 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.

[0028] Obtain the verification request for the cross-chain fund lock proof, and perform multi-signature verification on the cross-chain fund lock proof in the trusted verification node cluster;

[0029] Simplified payment verification of Merkel proofs for each participating chain is performed using a light client validator;

[0030] Run a trusted execution environment in a cross-chain state relay to reconcile the consensus state differences between heterogeneous chains;

[0031] Furthermore, when the verification pass rate corresponding to multi-signature verification and payment verification exceeds the preset threshold, a trusted verification consensus result is generated, and the cross-chain settlement operation of the atomic swap protocol is triggered.

[0032] Ledger update instructions are sent to each participating chain via a cross-chain message bus, and then the distributed ledger is synchronously updated based on the ledger update instructions.

[0033] Preferably, the risk control module specifically includes:

[0034] A dynamic risk control loop is created, the dynamic risk exposure of each participant is calculated using the value at risk model, initial risk control parameters are generated, the credit default swap value of participating institutions is jointly modeled through the credit default swap value calculation unit, the credit risk correction factor is output, and the capital turnover rate corresponding to the liquidity pool is analyzed based on the dynamic risk control loop, thereby calculating the liquidity risk coefficient.

[0035] The initial risk control parameters, credit risk correction factor, and liquidity risk coefficient are combined to generate dynamic risk control parameters. Based on the dynamic risk control parameters, the collateral ratio of the liquidation margin is adjusted, and an abnormal transaction pattern identification threshold is set.

[0036] When abnormal fluctuations in transaction volume are detected, the smart contract cascading blocking mechanism is triggered.

[0037] Preferably, the report generation module specifically includes:

[0038] Construct a multi-dimensional transaction tracking graph, which includes a transaction metadata graph, a fund flow graph, and a compliance evidence graph;

[0039] Based on the transaction metadata graph, fund flow graph, and compliance evidence graph, the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data are confirmed respectively. Then, a transaction integrity audit report is generated based on the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data.

[0040] Secondly, this application provides a secure cross-border payment settlement method based on blockchain technology, comprising the following steps:

[0041] The system receives payment request data packets through a blockchain node network, verifies the compliance of the payment request data packets, and generates an initial payment verification credential based on the verification results.

[0042] 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 cross-chain fund locking proof;

[0043] A multi-chain collaborative verification framework is constructed, and cross-verification of cross-chain fund locking proof is performed based on the multi-chain collaborative verification framework to generate a trusted verification consensus result. Real-time cross-chain settlement is performed based on the trusted verification consensus result, and the distributed ledger of the participating chains is updated synchronously after the settlement is completed.

[0044] A dynamic risk control loop is created, risk value is reassessed based on the real-time blockchain transaction data stream, dynamic risk control parameters are generated, and liquidation margin adjustments and abnormal transaction blocking are implemented according to the dynamic risk control parameters.

[0045] Construct a multi-chain transaction tracking graph to implement full lifecycle traceability monitoring of settled transactions and generate transaction integrity audit reports.

[0046] Thirdly, this application provides a computer-readable storage medium storing instructions that, when executed on a computer, cause the computer to perform any of the aforementioned cross-border payment security settlement systems based on blockchain technology.

[0047] In summary, this application includes the following beneficial technical effects:

[0048] This application provides a cross-border payment security settlement system based on blockchain technology. By verifying the compliance of payment request data packets and generating an initial payment verification credential, the system effectively improves the efficiency of compliance verification. Based on the initial payment verification credential, a smart contract is triggered to execute a cross-chain asset locking operation, generating a cross-chain fund lock proof. This cross-chain fund lock proof is then cross-validated to generate a trusted verification consensus result. Real-time cross-chain settlement is performed based on this result. After settlement, the distributed ledger of the participating chains is updated synchronously. Risk value is reassessed based on the real-time transaction data stream, generating dynamic risk control parameters. These parameters are used to adjust the clearing margin and block abnormal transactions, effectively identifying abnormal transaction patterns and thus significantly improving the efficiency of secure payment settlement. Attached Figure Description

[0049] To more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0050] Figure 1 This is a schematic diagram of a cross-border payment security settlement system based on blockchain technology, as described in this application embodiment.

[0051] Figure 2 This is a flowchart illustrating a method for secure cross-border payment settlement based on blockchain technology, as described in this application. Detailed Implementation

[0052] The following is in conjunction with the appendix Figure 1-2 This application will be described in further detail.

[0053] Example 1

[0054] This application discloses a cross-border payment security settlement system based on blockchain technology.

[0055] Reference Figure 1 A secure cross-border payment settlement system based on blockchain technology, comprising:

[0056] The 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.

[0057] The processing module is used to trigger a smart contract based on the initial payment verification certificate to perform cross-chain asset locking operations, establish multi-layer asset mapping relationships between heterogeneous blockchain networks, and generate cross-chain fund locking proofs.

[0058] The verification and identification module is used to construct a multi-chain collaborative verification framework, and to cross-verify the cross-chain fund lock-up proof 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 ledger of the participating chains is updated synchronously.

[0059] The risk control module is used to create a dynamic risk control loop, reassess the risk value based on the real-time transaction data stream corresponding to the chain, generate dynamic risk control parameters, and implement liquidation margin adjustments and abnormal transaction blocking according to the dynamic risk control parameters.

[0060] The report generation module is used to build a multi-chain transaction tracking graph, implement full lifecycle traceability monitoring for settled transactions, and generate transaction integrity audit reports.

[0061] Furthermore, the compliance verification includes foreign exchange control compliance review verification, anti-money laundering rule matching verification, and digital identity verification of both parties to the payment;

[0062] The multi-layered asset mapping relationship includes an asset type mapping layer, an exchange rate anchoring layer, and a cross-chain liquidity pool association layer;

[0063] The multi-chain collaborative verification framework uses a hybrid consensus mechanism to achieve cross-chain transaction verification.

[0064] 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.

[0065] It should be noted that the data receiving verification module specifically includes:

[0066] The payment request data packet is received through the edge access gateway corresponding to the blockchain node network. The payment request data packet contains the digital identity of the transaction subject, the type of payment currency, and cross-border routing information.

[0067] The payment request data packet is decapsulated at the protocol layer to extract the payer's blockchain address, the payee's SWIFT code, and the hash value of the transaction object;

[0068] The compliance strategy smart contract on the regulatory chain is invoked to perform cross-comparison of the payment party's blockchain address with the anti-money laundering blacklist, generating preliminary compliance screening results.

[0069] Based on the off-chain oracle service, a real-time foreign exchange control rule dataset is obtained. The matching degree of the control regulations is analyzed between the payment currency type and the hash value of the transaction object, and the matching degree analysis results are generated.

[0070] Verify the digital identity of the transaction entity through a zero-knowledge proof protocol and generate a digital identity verification certificate;

[0071] Based on the preliminary compliance screening results, regulatory matching results, and digital identity verification credentials, an initial payment verification credential is generated, and the initial payment verification credential is written into the consortium blockchain audit log to generate a verification credential storage hash.

[0072] Specifically, in a blockchain-based cross-border payment system, the edge access gateway corresponding to the blockchain node network receives payment request data packets containing the digital identity of the transaction entity, the type of payment currency, and cross-border routing information. For example, when a company pays an overseas supplier, the data packet carries the company's digital identity, payment currency, and routing information. The data packet is then decapsulated at the protocol layer to extract the payer's blockchain address, the payee's SWIFT code, and the hash value of the traded item. For example, the payer's Ethereum address, the payee's bank's SWIFT code, and the hash value of the traded item are parsed from the data packet. The compliance strategy smart contract on the regulatory chain is invoked to cross-reference the payer's blockchain address with the anti-money laundering blacklist. If the payer's blockchain address appears in the blacklist, a preliminary screening result for non-compliance is generated. Simultaneously, a real-time foreign exchange control rule dataset is obtained based on off-chain oracle services, and a regulatory regulation matching degree analysis is performed on the payment currency and the hash value of the traded item. For example, if the payment currency is a controlled currency and the traded item belongs to a restricted trading category, the matching degree analysis result will indicate a high risk. The digital identity of the transaction entity is then verified through a zero-knowledge proof protocol, generating a digital identity verification certificate without disclosing specific identity information. The results are combined to generate an initial payment verification certificate, which is then written into the consortium blockchain audit log to generate a verification certificate storage hash, thereby ensuring the traceability of the entire process. Furthermore, by adopting the above implementation method, through multi-level compliance screening and technical verification, regulatory requirements can be met while transaction privacy and security can be guaranteed, thus building an efficient and reliable cross-border payment system.

[0073] It should be noted that the processing module specifically includes:

[0074] The cross-chain transaction topology structure corresponding to the initial payment verification certificate is analyzed to determine the heterogeneous blockchain network type and asset category. The cross-chain routing smart contract is invoked to generate multi-chain interoperability middleware configuration parameters according to the heterogeneous blockchain network type.

[0075] The digital assets of the initiating chain are locked through an atomic swap protocol, while a shadow asset custody account is created on the target chain. A smart contract for asset mapping relationship is deployed on the consortium chain to establish a multi-layered asset mapping relationship.

[0076] Based on the multi-layer asset mapping relationship and the configuration parameters of the multi-chain interoperability middleware, a cross-chain fund lock-up certificate is generated, and the metadata corresponding to the cross-chain fund lock-up certificate is written into the sidechain audit unit of each participating chain.

[0077] Specifically, the cross-chain transaction topology corresponding to the initial payment verification certificate is analyzed to determine the type and asset class of the heterogeneous blockchain network. For example, when the transaction involves USDT on the Ethereum chain and corporate bonds on the Hyperledger chain, the interaction between stablecoins and bond assets between heterogeneous chains will be identified, and then the cross-chain routing smart contract will be invoked to generate configuration parameters for the multi-chain interoperability middleware based on the identified chain type. The configuration parameters include inter-chain communication protocols, data format conversion rules, etc.

[0078] The digital assets of the initiating chain are locked by an atomic swap protocol, and a shadow asset custody account is created on the target chain to receive the corresponding mapped assets. Then, an asset mapping relationship smart contract is deployed on the consortium chain to establish a multi-layered asset mapping relationship. For example, the first layer is the correspondence between the assets of the initiating chain and the mapping certificate of the consortium chain, and the second layer is the association between the consortium chain certificate and the shadow asset of the target chain, thereby ensuring that the assets have a clear identity mapping in the cross-chain process.

[0079] Based on multi-layer mapping relationships and middleware configuration parameters, cross-chain fund lock-up proofs are generated. These proofs record information such as asset lock-up status and cross-chain paths, and simultaneously write the proof's metadata into the sidechain audit units of each participating chain, enabling synchronized and verifiable data across the entire chain.

[0080] By adopting the above technical solutions, the compatibility of cross-chain operations is ensured through accurate identification of heterogeneous chain types and asset categories. Atomic swap protocols and shadow asset custody mechanisms guarantee the security of asset transfers, preventing funds from being lost or tampered with during the cross-chain process. Multi-layered asset mapping relationships and smart contract deployment make complex cross-chain transactions traceable and transparent. The metadata writing of sidechain audit units strengthens regulatory compliance, making it easier for auditing institutions to track fund flows in real time. This leads to the construction of a secure, efficient, and compliant cross-chain payment system, promoting the seamless flow of assets between different blockchain networks.

[0081] It should be noted that the verification and identification module specifically includes:

[0082] 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.

[0083] Obtain the verification request for the cross-chain fund lock proof, and perform multi-signature verification on the cross-chain fund lock proof in the trusted verification node cluster;

[0084] Simplified payment verification of Merkel proofs for each participating chain is performed using a light client validator;

[0085] Run a trusted execution environment in a cross-chain state relay to reconcile the consensus state differences between heterogeneous chains;

[0086] Furthermore, when the verification pass rate corresponding to multi-signature verification and payment verification exceeds the preset threshold, a trusted verification consensus result is generated, and the cross-chain settlement operation of the atomic swap protocol is triggered.

[0087] Ledger update instructions are sent to each participating chain via a cross-chain message bus, and then the distributed ledger is synchronously updated based on the ledger update instructions.

[0088] In this embodiment of the application, in the multi-chain collaborative verification stage of cross-border payments, 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 a verification request for a cross-chain fund lock-up proof is obtained, for example, for the proof of USDT cross-chain lock-up between Ethereum and Hyperledger, a multi-signature verification mechanism is initiated in the trusted verification node cluster, and multiple nodes respectively sign to confirm the legality of the proof.

[0089] Light client validators perform SPV-based simplified payment verification on Merkle proofs from participating chains. A trusted execution environment runs within the cross-chain state relay to reconcile consensus state differences between heterogeneous chains. For example, Ethereum uses PoS consensus, while Hyperledger uses PBFT consensus. These differ in block generation time and state confirmation mechanisms. The trusted execution environment synchronizes and calibrates the states of each chain in real time, ensuring that all chains have a consistent understanding of the "funds locked" state during cross-chain transactions, thus avoiding transaction disputes caused by consensus differences.

[0090] When the pass rate of multi-signature verification and SPV payment verification exceeds the preset threshold, a trusted verification consensus result will be generated, and the cross-chain settlement operation of the atomic swap protocol will be triggered. As a result, the assets locked on the initiating chain will be unlocked according to the rules, and the shadow assets of the target chain will be activated.

[0091] By sending ledger update instructions to each participating chain through a cross-chain message bus, the distributed ledger is updated synchronously. For example, the ledgers of Ethereum and Hyperledger will simultaneously record the final state of USDT cross-chain transfers, ensuring that all on-chain data is consistent.

[0092] It should be noted that the risk control module specifically includes:

[0093] A dynamic risk control loop is created, the dynamic risk exposure of each participant is calculated using the value at risk model, initial risk control parameters are generated, the credit default swap value of participating institutions is jointly modeled through the credit default swap value calculation unit, the credit risk correction factor is output, and the capital turnover rate corresponding to the liquidity pool is analyzed based on the dynamic risk control loop, thereby calculating the liquidity risk coefficient.

[0094] The initial risk control parameters, credit risk correction factor, and liquidity risk coefficient are combined to generate dynamic risk control parameters. Based on the dynamic risk control parameters, the collateral ratio of the liquidation margin is adjusted, and an abnormal transaction pattern identification threshold is set.

[0095] When abnormal fluctuations in transaction volume are detected, the smart contract cascading blocking mechanism is triggered.

[0096] Specifically, in this embodiment, a dynamic risk control loop is established. The Value at Risk (VaR) model is used to perform historical backtesting simulations of the holdings data of each participant. Based on a 95% confidence level, the maximum potential loss value in the next 24 hours is calculated as the initial risk control parameter. The credit default swap value calculation unit integrates the counterparty's credit rating data, historical default probability, and industry credit spread indicators to generate a credit event probability distribution curve. The credit default swap value is quantified as the product of the expected loss compensation amount and the duration of risk exposure, and then outputs a credit risk correction factor in the 0-1 range. When calculating the liquidity risk coefficient, the liquidity ratio, quick ratio, and other indicators are weighted and mapped to the liquidity risk coefficient by analyzing the asset class, lock-up period, and capital turnover rate parameters in the liquidity pool. The initial risk control parameters, credit risk correction factor, and liquidity risk coefficient are dynamically weighted according to a preset weight ratio to generate dynamic risk control parameters. Based on these dynamic risk control parameters, a gradient control is implemented on the collateral ratio of the liquidation margin: when the dynamic risk control parameters exceed a threshold range, the collateral ratio increases in steps proportionally to the excess. Simultaneously, an abnormal transaction identification model is deployed, setting multi-dimensional identification thresholds by monitoring combinations of features such as sudden increases in trading volume and abnormal narrowing of the bid-ask spread. When an abnormal transaction alarm is triggered, a smart contract cascading blocking mechanism is immediately activated.

[0097] It should be noted that the report generation module specifically includes:

[0098] Construct a multi-dimensional transaction tracking graph, which includes a transaction metadata graph, a fund flow graph, and a compliance evidence graph;

[0099] Based on the transaction metadata graph, fund flow graph, and compliance evidence graph, the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data are confirmed respectively. Then, a transaction integrity audit report is generated based on the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data.

[0100] Example 2

[0101] This application also discloses a secure cross-border payment settlement method based on blockchain technology.

[0102] Reference Figure 2 A secure cross-border payment settlement method based on blockchain technology includes the following steps:

[0103] The system receives payment request data packets through a blockchain node network, verifies the compliance of the payment request data packets, and generates an initial payment verification credential based on the verification results.

[0104] 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 cross-chain fund locking proof;

[0105] A multi-chain collaborative verification framework is constructed, and cross-verification of cross-chain fund locking proof is performed based on the multi-chain collaborative verification framework to generate a trusted verification consensus result. Real-time cross-chain settlement is performed based on the trusted verification consensus result, and the distributed ledger of the participating chains is updated synchronously after the settlement is completed.

[0106] A dynamic risk control loop is created, risk value is reassessed based on the real-time blockchain transaction data stream, dynamic risk control parameters are generated, and liquidation margin adjustments and abnormal transaction blocking are implemented according to the dynamic risk control parameters.

[0107] Construct a multi-chain transaction tracking graph to implement full lifecycle traceability monitoring of settled transactions and generate transaction integrity audit reports.

[0108] The above content is merely an example and illustration of the concept of the present invention. Those skilled in the art can make various modifications or additions to the specific embodiments described or use similar methods to replace them, as long as they do not deviate from the concept of the invention, they should all fall within the protection scope of the present invention.

[0109] In the description of this specification, references to terms such as "an embodiment," "example," "specific example," etc., indicate that a specific feature, structure, material, or characteristic described in connection with that embodiment or example is included in at least one embodiment or example of the invention. In this specification, illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples.

[0110] The preferred embodiments of the present invention disclosed above are merely illustrative of the invention. These preferred embodiments do not exhaustively describe all details, nor do they limit the invention to any specific implementation. Clearly, many modifications and variations can be made based on the content of this specification. This specification selects and specifically describes these embodiments to better explain the principles and practical applications of the invention, thereby enabling those skilled in the art to better understand and utilize the invention.

Claims

1. A cross-border payment security settlement system based on blockchain technology, characterized in that, include: The 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 a smart contract based on the initial payment verification certificate to perform cross-chain asset locking operations, establish multi-layer asset mapping relationships between heterogeneous blockchain networks, and generate cross-chain fund locking proofs. The verification and identification module is used to construct a multi-chain collaborative verification framework, and to cross-verify the cross-chain fund lock-up proof 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 ledger of the participating chains is updated synchronously. The risk control module is used to create a dynamic risk control loop, reassess the risk value based on the real-time blockchain transaction data stream, 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 graph, implement full lifecycle traceability monitoring for settled transactions, and generate transaction integrity audit reports; The compliance verification includes foreign exchange control compliance review verification, anti-money laundering rule matching verification, and digital identity verification of both parties to the payment; The multi-layered 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 uses a hybrid consensus mechanism to achieve 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.

2. The cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that, The data receiving and verification module specifically includes: The payment request data packet is received through the edge access gateway corresponding to the blockchain node network. The payment request data packet contains the digital identity of the transaction subject, the type of payment currency, and cross-border routing information. The payment request data packet is decapsulated at the protocol layer to extract the payer's blockchain address, the payee's SWIFT code, and the hash value of the transaction object; The compliance strategy smart contract on the regulatory chain is invoked to perform cross-comparison of the payment party's blockchain address with the anti-money laundering blacklist, generating preliminary compliance screening results. Based on the off-chain oracle service, a real-time foreign exchange control rule dataset is obtained. The matching degree of the control regulations is analyzed between the payment currency type and the hash value of the transaction object, and the matching degree analysis results are generated. Verify the digital identity of the transaction entity through a zero-knowledge proof protocol and generate a digital identity verification certificate; Based on the preliminary compliance screening results, regulatory matching results, and digital identity verification credentials, an initial payment verification credential is generated, and the initial payment verification credential is written into the consortium blockchain audit log to generate a verification credential storage hash.

3. The cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that, The processing module specifically includes: The cross-chain transaction topology structure corresponding to the initial payment verification certificate is analyzed to determine the heterogeneous blockchain network type and asset category. The cross-chain routing smart contract is invoked 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 an atomic swap protocol, while a shadow asset custody account is created on the target chain. A smart contract for asset mapping relationship is deployed on the consortium chain to establish a multi-layered asset mapping relationship. Based on the multi-layer asset mapping relationship and the configuration parameters of the multi-chain interoperability middleware, a cross-chain fund lock-up certificate is generated, and the metadata corresponding to the cross-chain fund lock-up certificate is written into the sidechain audit unit of each participating chain.

4. The cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that, 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. Obtain the verification request for the cross-chain fund lock proof, and perform multi-signature verification on the cross-chain fund lock proof in the trusted verification node cluster; Simplified payment verification of Merkel proofs for each participating chain is performed using a light client validator; Run a trusted execution environment in a cross-chain state relay to reconcile the consensus state differences between heterogeneous chains; Furthermore, when the verification pass rate corresponding to multi-signature verification and payment verification exceeds the preset threshold, a trusted verification consensus result is generated, and the cross-chain settlement operation of the atomic swap protocol is triggered. Ledger update instructions are sent to each participating chain via a cross-chain message bus, and then the distributed ledger is synchronously updated based on the ledger update instructions.

5. A cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that, The risk control module specifically includes: A dynamic risk control loop is created, the dynamic risk exposure of each participant is calculated using the value at risk model, initial risk control parameters are generated, the credit default swap value of participating institutions is jointly modeled through the credit default swap value calculation unit, the credit risk correction factor is output, and the capital turnover rate corresponding to the liquidity pool is analyzed based on the dynamic risk control loop, thereby calculating the liquidity risk coefficient. The initial risk control parameters, credit risk correction factor, and liquidity risk coefficient are combined to generate dynamic risk control parameters. Based on the dynamic risk control parameters, the collateral ratio of the liquidation margin is adjusted, and an abnormal transaction pattern identification threshold is set. When abnormal fluctuations in transaction volume are detected, the smart contract cascading blocking mechanism is triggered.

6. A cross-border payment security settlement system based on blockchain technology according to claim 1, characterized in that, The report generation module specifically includes: Construct a multi-dimensional transaction tracking graph, which includes a transaction metadata graph, a fund flow graph, and a compliance evidence graph; Based on the transaction metadata graph, fund flow graph, and compliance evidence graph, the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data are confirmed respectively. Then, a transaction integrity audit report is generated based on the transaction hash correlation proof, fund closed-loop verification report, and compliance audit trajectory data.

7. A cross-border payment security settlement method based on blockchain technology, applied to the cross-border payment security settlement system based on blockchain technology as described in any one of claims 1-6, characterized in that, Includes the following steps: The system receives payment request data packets through a blockchain node network, verifies the compliance of the payment request data packets, and generates an initial payment verification credential 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 cross-chain fund locking proof; A multi-chain collaborative verification framework is constructed, and cross-verification of cross-chain fund locking proof is performed based on the multi-chain collaborative verification framework to generate a trusted verification consensus result. Real-time cross-chain settlement is performed based on the trusted verification consensus result, and the distributed ledger of the participating chains is updated synchronously after the settlement is completed. A dynamic risk control loop is created, risk value is reassessed based on the real-time blockchain transaction data stream, dynamic risk control parameters are generated, and liquidation margin adjustments and abnormal transaction blocking are implemented according to the dynamic risk control parameters. Construct a multi-chain transaction tracking graph to implement full lifecycle traceability monitoring of settled transactions and generate transaction integrity audit reports; The compliance verification includes foreign exchange control compliance review verification, anti-money laundering rule matching verification, and digital identity verification of both parties to the payment; The multi-layered 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 uses a hybrid consensus mechanism to achieve 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.

8. A computer-readable storage medium, characterized in that: The system stores instructions that, when executed on a computer, cause the computer to perform a cross-border payment security settlement system based on blockchain technology as described in any one of claims 1 to 6.

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