Block chain-based cross-border financial payment settlement method, system and device, and medium

Abstract

The invention relates to a cross-border financial payment settlement method, system and device based on a block chain and a medium, and is applied to the technical field of cross-border payment, and the method comprises the steps: obtaining payer information and payee information in response to a cross-border financial payment request; calculating a target payment amount based on the payer information, the payee information and preset exchange rate information; determining a payment settlement level based on the payer information and the target payment amount; acquiring a network monitoring rule; generating a cross-border financial payment scheme based on the payment settlement level and the network monitoring rule; payment settlement is carried out based on the cross-border financial payment scheme, and cross-border payment information is generated; and encrypting and storing the cross-border payment information to a block chain. The cross-border payment method and device have the effect of safely and efficiently carrying out cross-border payment.

Description

Technical Field

[0001] This application relates to the technical field of cross-border payments, and in particular to a blockchain-based cross-border financial payment and settlement method, system, device, and medium. Background Technology

[0002] With economic development, the use cases of online payment are no longer limited to the domestic market. Under the influence of globalization, cross-border payment plays an important role in use cases such as studying abroad, tourism, business transactions, and cross-border purchases.

[0003] Existing cross-border payments mostly rely on bank-to-bank settlements, professional remittance companies, and international credit card organizations. These methods all suffer from problems such as complex and time-consuming processes, high handling fees, low efficiency, unreliable exchange rates, and the risk of information leakage, making it difficult to guarantee the efficiency and security of cross-border payments. Summary of the Invention

[0004] To facilitate secure and efficient cross-border payments, this application provides a blockchain-based cross-border financial payment and settlement method, system, device, and medium.

[0005] Firstly, this application provides a blockchain-based cross-border financial payment and settlement method, employing the following technical solution: A blockchain-based cross-border financial payment and settlement method includes: In response to cross-border financial payment requests, obtain information on the payer and payee; The target payment amount is calculated based on the payer information, the payee information, and the preset exchange rate information; The payment settlement level is determined based on the payer information and the target payment amount; Obtain network monitoring rules; A cross-border financial payment solution is generated based on the payment settlement level and the network monitoring rules; Payment settlement is performed based on the aforementioned cross-border financial payment scheme, generating cross-border payment information; The cross-border payment information is encrypted and stored on the blockchain.

[0006] By adopting the above technical solution, after receiving a cross-border financial payment request, information is processed based on the payer and payee information, and the exchange rate used for calculation is determined based on the preset exchange rate information to obtain the final target payment amount. Then, the payment level is obtained based on the target payment amount, and a cross-border financial payment scheme for this payment is formulated based on the payment level and network conditions. The cross-border financial payment scheme is used for payment settlement, and the generated cross-border payment information is encrypted and stored in the blockchain, thereby realizing safe and efficient cross-border payment.

[0007] Optionally, the payer information includes the amount to be paid, and the payee information includes the receiving address; calculating the target payment amount based on the payer information, the payee information, and the preset exchange rate information includes: Obtain the payer's address and estimated payment time; Determine whether payment is immediate based on the estimated payment time; If the payment is immediate, the target calculated exchange rate is determined based on the payer's address, the receiving address, and the preset exchange rate information. Calculate the target payment amount based on the target exchange rate and the amount to be paid; If payment is not made immediately, a first calculated exchange rate is determined based on the payer's address, the receiving address, and the preset exchange rate information. The first payment amount is calculated based on the first calculated exchange rate and the amount to be paid; Obtain the exchange rate trend and determine a second calculated exchange rate based on the expected payment time; The second payment amount is calculated based on the second calculated exchange rate and the amount to be paid; A payment range is generated based on the first payment amount and the second payment amount, and the payment range is used as the target payment amount.

[0008] Optionally, determining the payment settlement level based on the payer information and the target payment amount includes: Obtain the payer's historical payment information and determine the user's payment level based on the historical payment information; The payment level is determined based on the target payment amount and the preset level classification rules; Acquisition level percentage; The payment level is determined based on the level percentage, the user's payment level, and the current payment level.

[0009] Optionally, determining the user's payment level based on the historical payment information includes: Determine whether the historical payment information is empty: If the historical payment information is not empty, then obtain the historical payment level; Calculate the average value of the historical payment levels, and use the average value as the user's payment level; If the historical payment information is empty, then obtain the local payment information of the payer; Based on the local payment information, the historical payment amount is determined, and the historical payment amount is compared with the payment information of other payers in the blockchain to generate a comparison difference. The payment level of the other payer with the smallest comparison difference is selected as the user's payment level.

[0010] Optionally, generating a cross-border financial payment solution based on the payment settlement level and the network monitoring rules includes: Obtain cross-border payment network information and network security level; The first monitoring duration is determined based on the cross-border payment network information and the network monitoring rules. The second monitoring duration is determined based on the payment settlement level and the network security level; The total duration of safety monitoring is calculated based on the first duration and the second duration; A cross-border financial payment solution is generated based on the total security monitoring duration, the target payment amount, and the payment settlement level.

[0011] Optionally, determining the second monitoring duration based on the payment settlement level and the network security level includes: Calculate the sum of the payment level and the network security level; Get payment usage duration; The total of the levels is converted based on the payment usage duration to generate a second monitoring duration.

[0012] Optionally, encrypting and storing the cross-border payment information on the blockchain includes: A key is generated based on the payer information, the first monitoring duration, and the second monitoring duration; The cross-border payment information is encrypted using the key, and the encrypted cross-border payment information is stored in the blockchain.

[0013] Secondly, this application provides a blockchain-based cross-border financial payment and settlement system, which adopts the following technical solution: A blockchain-based cross-border financial payment and settlement system includes: The payment information acquisition module is used to obtain payer and payee information in response to cross-border financial payment requests. The target amount calculation module is used to calculate the target payment amount based on the payer information, the payee information, and the preset exchange rate information; A payment level determination module is used to determine the payment settlement level based on the payer information and the target payment amount; The detection rule acquisition module is used to acquire network monitoring rules; A payment scheme generation module is used to generate cross-border financial payment schemes based on the payment settlement level and the network monitoring rules. The payment information generation module is used to perform payment settlement based on the cross-border financial payment scheme and generate cross-border payment information. The payment information storage module is used to encrypt and store the cross-border payment information on the blockchain.

[0014] By adopting the above technical solution, after receiving a cross-border financial payment request, information is processed based on the payer and payee information, and the exchange rate used for calculation is determined based on the preset exchange rate information to obtain the final target payment amount. Then, the payment level is obtained based on the target payment amount, and a cross-border financial payment scheme for this payment is formulated based on the payment level and network conditions. The cross-border financial payment scheme is used for payment settlement, and the generated cross-border payment information is encrypted and stored in the blockchain, thereby realizing safe and efficient cross-border payment.

[0015] Thirdly, this application provides an electronic device that adopts the following technical solution: An electronic device includes a processor coupled to a memory; The processor is configured to execute a computer program stored in the memory, so that the electronic device executes the computer program of the blockchain-based cross-border financial payment and settlement method as described in any of the first aspects.

[0016] Fourthly, this application provides a computer-readable storage medium, which adopts the following technical solution: A computer-readable storage medium storing a computer program capable of being loaded by a processor and executing the blockchain-based cross-border financial payment and settlement method described in any of the first aspects. Attached Figure Description

[0017] Figure 1 This is a flowchart illustrating a blockchain-based cross-border financial payment and settlement method provided in an embodiment of this application.

[0018] Figure 2 This is a structural block diagram of a blockchain-based cross-border financial payment and settlement system provided in an embodiment of this application.

[0019] Figure 3 This is a structural block diagram of the electronic device provided in the embodiments of this application. Detailed Implementation

[0020] The present application will be further described in detail below with reference to the accompanying drawings.

[0021] This application provides a blockchain-based cross-border financial payment and settlement method. This method can be executed by an electronic device, which can be a server or a terminal device. The server can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services. The terminal device can be a smartphone, tablet, desktop computer, etc., but is not limited to these.

[0022] Figure 1 This is a flowchart illustrating a blockchain-based cross-border financial payment and settlement method provided in an embodiment of this application.

[0023] like Figure 1 As shown, the main process of this method is described below (steps S101 to S107): Step S101: In response to the cross-border financial payment request, obtain the payer information and the payee information.

[0024] In this embodiment, cross-border financial payments require information from both the payer and the payee to complete the payment operation. The payer's information includes the amount to be paid, the payer's identity information, the payment method used, and the payer's credit information. The payee's information includes the receiving address, the receiving method, and whether the payee is on a blacklist. The specific payer and payee information may be added according to actual needs, but no specific limitations are made here.

[0025] Step S102: Calculate the target payment amount based on the payer information, payee information, and preset exchange rate information.

[0026] For step S102, obtain the payer's address and estimated payment time; determine whether it is an immediate payment based on the estimated payment time; if it is an immediate payment, determine the target calculated exchange rate based on the payer's address, receiving address, and preset exchange rate information; calculate the target payment amount based on the target calculated exchange rate and the amount to be paid; if it is not an immediate payment, determine the first calculated exchange rate based on the payer's address, receiving address, and preset exchange rate information; calculate the first payment amount based on the first calculated exchange rate and the amount to be paid; obtain the exchange rate change trend, and determine the second calculated exchange rate based on the estimated payment time; calculate the second payment amount based on the second calculated exchange rate and the amount to be paid; generate a payment range based on the first payment amount and the second payment amount, and use the payment range as the target payment amount.

[0027] In this embodiment, in addition to immediate payment, payment can also be postponed. For example, if the current time is 2 PM on the 1st, the payment can be scheduled for 12:05 AM on the 2nd. However, exchange rates are constantly changing, and it is difficult to guarantee that the exchange rate will remain constant between the current time and the expected payment time. Therefore, the expected payment time is used to determine whether it is an immediate payment. If it is an immediate payment, the exchange rate change issue does not need to be considered. It is only necessary to query the exchange rate between the payer's address and the receiver's address in the preset exchange rate information at the current time, and use the queried exchange rate as the target calculation exchange rate. Then, the target payment amount is calculated based on the target calculation exchange rate and the amount to be paid.

[0028] If payment is not immediate, exchange rate fluctuations need to be considered. Exchange rate estimates are made based on historical data. After retrieving the current exchange rate between the payer's and payee's addresses from a preset exchange rate database, this rate is used as the first calculated exchange rate. The change in exchange rate is calculated based on trends, and this change is summed with the first calculated exchange rate to obtain the second calculated exchange rate. The first payment amount is calculated using the first calculated exchange rate and the amount to be paid, and the second payment amount is calculated using the second calculated exchange rate and the amount to be paid. The first and second payment amounts are combined to form a payment range, which is the target payment amount. When the payer makes the payment, they must pay the maximum amount. If the payment is not made according to the maximum amount after successful payment, the difference between the actual payment amount and the maximum amount is calculated and returned to the payer.

[0029] Step S103: Determine the payment settlement level based on the payer information and the target payment amount.

[0030] For step S103, obtain the payer's historical payment information, determine the user's payment level based on the historical payment information; determine the current payment level based on the target payment amount and preset level classification rules; obtain the level percentage; and determine the payment level based on the level percentage, the user's payment level, and the current payment level.

[0031] Furthermore, determine whether the historical payment information is empty: if the historical payment information is not empty, obtain the historical payment level; calculate the average of the historical payment levels and use the average as the user's payment level; if the historical payment information is empty, obtain the payer's local payment information; determine the historical payment amount based on the local payment information, compare the historical payment amount with the payment information of other payers in the blockchain, and generate a comparison difference; select the payment level of the other payer with the smallest comparison difference as the user's payment level.

[0032] In this embodiment, after obtaining the target payment amount, it is necessary to further determine the user's payment level, and then perform subsequent payment detection based on the user's payment level. When determining the user's payment level, a combination of the current target payment amount and historical payment information is used. First, the current payment level is determined using the target payment amount and a preset level division rule. The preset level division rule sets multiple amount ranges, each corresponding to a payment level. The target payment amount is compared with the amount ranges to determine the amount range corresponding to the target payment amount. The payment level corresponding to this amount range is then used as the current payment level. When the target payment amount is within a payment range, the upper limit of the payment range is used to determine the current payment level. It should be noted that the specific amount ranges and corresponding payment levels need to be set according to actual needs, and are not specifically limited here.

[0033] When determining a user's payment level based on historical payment information, the process first checks if the payer's historical payment information is empty. If it is not empty, all historical payment levels are retrieved, and their average value is calculated. This average value is then used as the user's payment level. Here, historical payment information refers to historical cross-border financial payment and settlement information. If the historical payment information is empty, the user's payment level is determined based on the payer's local payment information. The total payment amount within a preset time period is calculated, and the number of payments matching the target payment amount is counted. The historical payment amount is determined based on the total payment amount and the number of payments. This historical payment amount is then compared with the payment information of other payers in the blockchain, and the payment difference is calculated. The payment level of the payer with the smallest payment difference is used as the user's payment level. The phrase "same as the target payment amount" does not mean that the payment amount is exactly the same as the target payment amount, but rather that it is within the set fluctuation range. For example, if the target payment amount is 100 and the fluctuation range is ±5, then any payment amount between 95 and 105 can be considered the same as the target payment amount. Furthermore, the amount of data stored in the blockchain is enormous, so when using the sub-computation, only one or a few blockchain nodes need to be randomly selected for calculation. The specific number needs to be set according to actual needs. Similarly, the fluctuation range setting also needs to be set according to actual needs, and no specific limit is made here.

[0034] The system sets historical payment percentage and current payment percentage. The first level is calculated based on the historical payment percentage and the user's payment level, and the second level is calculated based on the current payment percentage and the current payment level. The payment level is obtained by adding the first level and the second level.

[0035] Step S104: Obtain network monitoring rules.

[0036] In this embodiment, network monitoring rules are set up. When making a payment, network security monitoring is performed according to the network monitoring rules to ensure the security of the payment. The network monitoring rules include network addresses and the detection duration of different network addresses at different usage frequencies.

[0037] Step S105: Generate a cross-border financial payment solution based on payment settlement level and network monitoring rules.

[0038] For step S105, obtain cross-border payment network information and network security level; determine a first monitoring duration based on cross-border payment network information and network monitoring rules; determine a second monitoring duration based on payment settlement level and network security level; calculate the total security monitoring duration based on the first and second durations; and generate a cross-border financial payment scheme based on the total security monitoring duration, target payment amount, and payment settlement level.

[0039] Furthermore, the sum of the payment level and the network security level is calculated; the payment usage duration is obtained; and the sum of the levels is converted based on the payment usage duration to generate a second monitoring duration.

[0040] In this embodiment, the cross-border payment network information includes network address and network usage frequency. First, the network address is used to query the network monitoring rules to obtain the first network data. Then, the network usage frequency is used to query the first network data to obtain the first monitoring duration.

[0041] The payment level and the network security level are added together to get the total level. Then, the payment usage time is compared with the total level to generate a ratio. The payment usage time is then multiplied by the ratio, and the product is rounded to obtain the second monitoring time.

[0042] The total security monitoring time is obtained by adding the first and second monitoring times. Security monitoring is performed during payment operations until the total security monitoring time is reached. The total security monitoring time, target payment amount, and payment settlement level are then linked to generate a cross-border financial payment solution.

[0043] Step S106: Conduct payment settlement based on the cross-border financial payment solution and generate cross-border payment information.

[0044] In this embodiment, the cross-border Golden Boy payment solution is used for payment operations. During payment, a reward payment information is generated for this payment. The cross-border payment information includes payment time, payment duration, and payment bank and other payment-related information. The specific cross-border payment information needs to be set according to actual needs, and no specific limitation is made here.

[0045] Step S107: Encrypt and store the cross-border payment information on the blockchain.

[0046] For step S107, a key is generated based on the payer information, the first monitoring duration, and the second monitoring duration; the cross-border payment information is encrypted based on the key, and the encrypted cross-border payment information is stored in the blockchain.

[0047] In this embodiment, the units of both the first and second monitoring durations are set to seconds, thus obtaining two time values. Based on the payer's name in the payer information, the name is converted into letter abbreviations, and then the first letter is determined and concatenated to obtain an information value. The information value is hashed with the time value of the first monitoring duration to obtain a first hash value. The first hash value is hashed with the time value of the second monitoring duration to obtain a second hash value. The second hash value is used as a key to encrypt the cross-border payment information, and the encrypted cross-border payment information is stored in the blockchain.

[0048] Figure 2 This is a structural block diagram of a blockchain-based cross-border financial payment and settlement system 200 provided for the application embodiments.

[0049] like Figure 2 As shown, the blockchain-based cross-border financial payment and settlement system 200 mainly includes: The payment information acquisition module 201 is used to acquire payer information and payee information in response to cross-border financial payment requests; The target amount calculation module 202 is used to calculate the target payment amount based on the payer information, payee information and preset exchange rate information; The payment level determination module 203 is used to determine the payment settlement level based on the payer information and the target payment amount. The detection rule acquisition module 204 is used to acquire network monitoring rules; The payment scheme generation module 205 is used to generate cross-border financial payment schemes based on payment settlement levels and network monitoring rules. The payment information generation module 206 is used to generate cross-border payment information based on cross-border financial payment solutions for payment settlement. The payment information storage module 207 is used to encrypt and store cross-border payment information on the blockchain.

[0050] As an optional implementation of this embodiment, the target amount calculation module 202 is specifically used to obtain the payer's address and the expected payment time; determine whether it is an immediate payment based on the expected payment time; if it is an immediate payment, determine the target calculated exchange rate based on the payer's address, the receiving address, and the preset exchange rate information; calculate the target payment amount based on the target calculated exchange rate and the amount to be paid; if it is not an immediate payment, determine the first calculated exchange rate based on the payer's address, the receiving address, and the preset exchange rate information; calculate the first payment amount based on the first calculated exchange rate and the amount to be paid; obtain the exchange rate change trend, and determine the second calculated exchange rate for the expected payment time based on the exchange rate change trend; calculate the second payment amount based on the second calculated exchange rate and the amount to be paid; generate a payment interval based on the first payment amount and the second payment amount, and use the payment interval as the target payment amount.

[0051] As an optional implementation of this embodiment, the payment level determination module 203 includes: The user level determination module is used to obtain the payer's historical payment information and determine the user's payment level based on the historical payment information. The current payment level determination module is used to determine the current payment level based on the target payment amount and preset level classification rules. The grade percentage acquisition module is used to obtain the grade percentage. The payment level generation module is used to determine the payment level based on the level ratio, the user's payment level, and the current payment level.

[0052] In this optional embodiment, the user level determination module is specifically used to determine whether the historical payment information is empty: if the historical payment information is not empty, the historical payment level is obtained; the average value of the historical payment levels is calculated, and the average value is used as the user payment level; if the historical payment information is empty, the local payment information of the payer is obtained; the historical payment amount is determined based on the local payment information, and the historical payment amount is compared with the payment information of other payers in the blockchain to generate a comparison difference; the payment level of the other payer with the smallest comparison difference is selected as the user payment level.

[0053] As an optional implementation of this embodiment, the payment scheme generation module 205 includes: The network information acquisition module is used to acquire cross-border payment network information and network security level; The first duration determination module is used to determine the first monitoring duration based on cross-border payment network information and network monitoring rules; The second duration determination module is used to determine the second monitoring duration based on the payment settlement level and network security level. The detection duration calculation module is used to calculate the total safety monitoring duration based on the first duration and the second duration. The financial solution generation module is used to generate cross-border financial payment solutions based on the total security monitoring duration, target payment amount, and payment settlement level.

[0054] In this optional embodiment, the second duration determination module is specifically used to calculate the sum of the payment level and the network security level; obtain the payment usage duration; and convert the sum of levels based on the payment usage duration to generate the second monitoring duration.

[0055] As an optional implementation of this embodiment, the payment information storage module 207 is specifically used to generate a key based on the payer information, the first monitoring duration, and the second monitoring duration; encrypt the cross-border payment information based on the key; and store the encrypted cross-border payment information in the blockchain.

[0056] In one example, the module in any of the above devices may be one or more integrated circuits configured to implement the above methods, such as one or more application-specific integrated circuits (ASICs), or one or more digital signal processors (DSPs), or one or more field-programmable gate arrays (FPGAs), or a combination of at least two of these integrated circuit forms.

[0057] For example, when modules in a device can be implemented via a processing element scheduler, the processing element can be a general-purpose processor, such as a central processing unit (CPU) or other processor capable of calling programs. Alternatively, these modules can be integrated together to form a system-on-a-chip (SOC).

[0058] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working process of the above-described device and module can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0059] Figure 3 This is a structural block diagram of the electronic device 300 provided in an embodiment of this application.

[0060] like Figure 3 As shown, the electronic device 300 includes a processor 301 and a memory 302, and may further include one or more of an information input / output (I / O) interface 303, a communication component 304, and a communication bus 305.

[0061] The processor 301 controls the overall operation of the electronic device 300 to complete all or part of the steps of the blockchain-based cross-border financial payment and settlement method described above. The memory 302 stores various types of data to support the operation of the electronic device 300. This data may include, for example, instructions for any application or method operating on the electronic device 300, as well as application-related data. The memory 302 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as one or more of Static Random Access Memory (SRAM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Erasable Programmable Read-Only Memory (EPROM), Programmable Read-Only Memory (PROM), Read-Only Memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk.

[0062] I / O interface 303 provides an interface between processor 301 and other interface modules, such as keyboards, mice, and buttons. These buttons can be virtual or physical. Communication component 304 is used for wired or wireless communication between electronic device 300 and other devices. Wireless communication includes Wi-Fi, Bluetooth, Near Field Communication (NFC), 2G, 3G, or 4G, or a combination thereof. Therefore, the corresponding communication component 104 may include a Wi-Fi component, a Bluetooth component, and an NFC component.

[0063] The electronic device 300 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to execute the blockchain-based cross-border financial payment and settlement method given in the above embodiments.

[0064] The communication bus 305 may include a path for transmitting information between the aforementioned components. The communication bus 305 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, etc. The communication bus 305 may be divided into an address bus, a data bus, a control bus, etc.

[0065] Electronic device 300 may include, but is not limited to, mobile terminals such as mobile phones, laptops, digital radio receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), and in-vehicle terminals (such as in-vehicle navigation terminals), as well as fixed terminals such as digital TVs and desktop computers, and may also be servers.

[0066] This application also provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the steps of the blockchain-based cross-border financial payment and settlement method described above.

[0067] The computer-readable storage medium may include various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0068] The terms “comprising,” “including,” or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus.

[0069] The above description is merely a preferred embodiment of this application and an explanation of the technical principles employed. Those skilled in the art should understand that the scope of this application is not limited to technical solutions formed by specific combinations of the above-described technical features, but should also cover other technical solutions formed by arbitrary combinations of the above-described technical features or their equivalents without departing from the foregoing application concept. For example, technical solutions formed by substituting the above features with (but not limited to) technical features with similar functions claimed in this application.

Claims

1. A blockchain-based cross-border financial payment and settlement method, characterized in that, include: In response to cross-border financial payment requests, obtain information on the payer and payee; The target payment amount is calculated based on the payer information, the payee information, and the preset exchange rate information; The payment settlement level is determined based on the payer information and the target payment amount; Obtain network monitoring rules; A cross-border financial payment solution is generated based on the payment settlement level and the network monitoring rules; Payment settlement is performed based on the aforementioned cross-border financial payment scheme, generating cross-border payment information; The cross-border payment information is encrypted and stored on the blockchain.

2. The method according to claim 1, characterized in that, The payer information includes the amount to be paid, and the payee information includes the receiving address; the target payment amount is calculated based on the payer information, the payee information, and the preset exchange rate information, including: Obtain the payer's address and estimated payment time; Determine whether payment is immediate based on the estimated payment time; If the payment is immediate, the target calculated exchange rate is determined based on the payer's address, the receiving address, and the preset exchange rate information. Calculate the target payment amount based on the target exchange rate and the amount to be paid; If payment is not made immediately, a first calculated exchange rate is determined based on the payer's address, the receiving address, and the preset exchange rate information. The first payment amount is calculated based on the first calculated exchange rate and the amount to be paid; Obtain the exchange rate trend and determine a second calculated exchange rate based on the expected payment time; The second payment amount is calculated based on the second calculated exchange rate and the amount to be paid; A payment range is generated based on the first payment amount and the second payment amount, and the payment range is used as the target payment amount.

3. The method according to claim 1, characterized in that, The process of determining the payment settlement level based on the payer information and the target payment amount includes: Obtain the payer's historical payment information and determine the user's payment level based on the historical payment information; The payment level is determined based on the target payment amount and the preset level classification rules; Acquisition level percentage; The payment level is determined based on the level percentage, the user's payment level, and the current payment level.

4. The method according to claim 3, characterized in that, Determining the user's payment level based on the historical payment information includes: Determine whether the historical payment information is empty: If the historical payment information is not empty, then obtain the historical payment level; Calculate the average value of the historical payment levels, and use the average value as the user's payment level; If the historical payment information is empty, then obtain the local payment information of the payer; Based on the local payment information, the historical payment amount is determined, and the historical payment amount is compared with the payment information of other payers in the blockchain to generate a comparison difference. The payment level of the other payer with the smallest comparison difference is selected as the user's payment level.

5. The method according to claim 1, characterized in that, The method of generating a cross-border financial payment scheme based on the payment settlement level and the network monitoring rules includes: Obtain cross-border payment network information and network security level; The first monitoring duration is determined based on the cross-border payment network information and the network monitoring rules. The second monitoring duration is determined based on the payment settlement level and the network security level; The total duration of safety monitoring is calculated based on the first duration and the second duration; A cross-border financial payment solution is generated based on the total security monitoring duration, the target payment amount, and the payment settlement level.

6. The method according to claim 5, characterized in that, The determination of the second monitoring duration based on the payment settlement level and the network security level includes: Calculate the sum of the payment level and the network security level; Get payment usage duration; The total of the levels is converted based on the payment usage duration to generate a second monitoring duration.

7. The method according to claim 5, characterized in that, The step of encrypting and storing the cross-border payment information in the blockchain includes: A key is generated based on the payer information, the first monitoring duration, and the second monitoring duration; The cross-border payment information is encrypted using the key, and the encrypted cross-border payment information is stored in the blockchain.

8. A blockchain-based cross-border financial payment and settlement system, characterized in that, include: The payment information acquisition module is used to obtain payer and payee information in response to cross-border financial payment requests. The target amount calculation module is used to calculate the target payment amount based on the payer information, the payee information, and the preset exchange rate information; A payment level determination module is used to determine the payment settlement level based on the payer information and the target payment amount; The detection rule acquisition module is used to acquire network monitoring rules; A payment scheme generation module is used to generate cross-border financial payment schemes based on the payment settlement level and the network monitoring rules. The payment information generation module is used to perform payment settlement based on the cross-border financial payment scheme and generate cross-border payment information. The payment information storage module is used to encrypt and store the cross-border payment information on the blockchain.

9. An electronic device, characterized in that, Includes a processor, which is coupled to a memory; The processor is configured to execute a computer program stored in the memory to cause the electronic device to perform the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, It includes a computer program or instructions that, when run on a computer, cause the computer to perform the method as described in any one of claims 1 to 7.

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