CN114493584A - Cross-border consumption payment method, node and system based on legal digital currency - Google Patents

Abstract

The invention provides a cross-border consumption payment method, a cross-border consumption payment node and a cross-border consumption payment system based on legal digital currency, wherein the cross-border payment node is used for monitoring order information of an uplink; when monitoring the uplink order information, starting an EDA driving mode to acquire the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the order payment amount, processing the order payment amount and the balance of the coin string by the system nodes in the environment based on the chain to obtain an equivalent coin string with the same amount as the order payment amount; and acquiring the currency string information and the payment state information of the cochain after the transaction is executed based on the equivalent currency string, and executing cross-border consumption accounting operation of both sides of the transaction according to the currency string information and the payment state information. According to the scheme, interconnection and intercommunication are carried out between the cross-border payment node and the in-border system node which are deployed on the chain, transaction payment is completed based on the cross-border payment node, and cross-border consumption payment can be completed efficiently and safely.

Description

Cross-border consumption payment method, node and system based on legal digital currency

technical field

The invention relates to the technical field of blockchain, and in particular to a cross-border consumption payment method, node and system based on legal digital currency.

Background technique

With the issuance and promotion of digital currency, there are more and more occasions where digital currency is used to execute transactions. At present, digital currency not only supports domestic payment transaction scenarios, but also supports cross-border consumption payment transaction scenarios.

However, there are many problems in the existing cross-border consumer payment, such as difficulty in estimating the arrival time, opaque intermediate costs, untraceable payment process, and the lack of general availability of digital payment tools, third-party payment companies and other Issues such as insufficient governance frameworks for transaction data providers.

It can be seen from this that the existing cross-border consumption payment has the problems of high cost, low efficiency and low security.

SUMMARY OF THE INVENTION

In view of this, embodiments of the present invention provide a cross-border consumption payment method, node and system based on legal digital currency, so as to solve the existing problems of low efficiency and low security.

To solve the above problems, the embodiments of the present invention provide the following technical solutions:

The first aspect of the embodiments of the present invention discloses a cross-border consumption payment method based on legal digital currency, which is suitable for cross-border payment nodes deployed on the chain, and the cross-border payment nodes are based on the underlying chain of the blockchain and the blockchain. As-a-service BaaS platform construction, the method includes:

Monitor the order information on the chain, the order information at least includes the order payment amount and the wallet id on the chain for the payment to be executed;

When the order information on the chain is monitored, the EDA drive mode is started, and the balance of the coin string in the on-chain wallet corresponding to the on-chain wallet id is obtained, and the on-chain wallet includes the account address, the id of the on-chain wallet, and the balance of the coin string. , currency string list, frozen currency string list, account information and attribution information;

If the coin string balance is greater than or equal to the order payment amount, the domestic system node will process based on the order payment amount and the coin string balance on the chain, and obtain an equivalent coin string equal to the order payment amount ;

Obtain the coin string information and payment status information uploaded on the chain after the transaction is performed based on the equivalent coin string, and the payment status information at least includes the order number;

According to the currency string information and the payment status information, the cross-border consumption accounting operation of both parties of the transaction is performed.

Optionally, the method further includes:

If the balance of the currency string is less than the payment amount of the order, the payment is ended or the digital currency exchange process is performed by the domestic system node.

Optionally, after performing the cross-border consumption accounting operations of both parties to the transaction, it also includes:

Send the payment result notification message to the overseas acquiring system node, and the overseas acquiring system node sends the payment result notification message to the acquiring merchant, and receives the payment result confirmation notification fed back by the acquiring merchant, and the transaction result Including the change information of the on-chain wallet balance of the acquiring merchant.

Optionally, the method further includes:

Monitor the revocation order information on the chain, the revocation order information includes the unique key value used to indicate the transaction;

Query the payment status information of the transaction based on the unique key value;

If the payment status information does not exist, or the payment status information is failed or the payment status information is cancelled, send order cancellation success information;

If the payment status information is to be determined, send order cancellation failure information;

If the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node, and the overseas acquiring system node will send the cancellation result to the acquiring merchant, and receive the cancellation result. The order cancellation confirmation notice fed back by the acquirer merchant, and the transaction result includes the change information of the on-chain wallet balance of the acquirer merchant.

Optionally, the method further includes:

Monitor the currency string redemption request on the chain, and the currency string to be redeemed in the currency string redemption request; perform the redemption process based on the currency string to be redeemed, and add the balance of the redeemed currency string to the in the RMB balance account corresponding to the wallet id on the chain;

Obtain the original foreign exchange quotation and original exchange rate at the time of the transaction, perform foreign exchange settlement and sale operations, and convert the currency string balance added to the RMB balance account into foreign currency based on the original foreign exchange quotation and original exchange rate;

After the foreign exchange settlement and sale operation is completed, a payment release response notice is sent to the overseas acquiring system node.

A second aspect of the present invention discloses a cross-border payment node. The cross-border payment node is constructed based on a blockchain underlying chain and a blockchain-as-a-service BaaS platform. The cross-border payment node includes:

The on-chain monitoring module is used to monitor the order information on the chain. When the order information on the chain is monitored, the electronic design automation EDA drive mode is activated to execute the business module. The order information at least includes the order payment amount and the chain of the payment to be executed. upper wallet id;

The business module is used to obtain the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will pay based on the order on the chain The amount and the balance of the currency string are processed to obtain an equivalent currency string equal to the payment amount of the order; if the balance of the currency string is less than the payment amount of the order, the payment is ended or the digital currency exchange is performed by the domestic system node Process, on-chain wallet includes account address, on-chain wallet id, coin string balance, coin string list, frozen coin string list, account information and attribution information;

The transaction management module is used to obtain the coin string information and payment status information uploaded on the chain after executing the transaction based on the equivalent coin string, the payment status information at least includes the order number; according to the coin string information and the payment status information Perform cross-border consumption accounting operations for both parties to the transaction.

Optionally, the transaction management module is further configured to send the transaction result to the overseas acquiring system node after performing the cross-border consumption accounting operation of both parties to the transaction, and the overseas acquiring system node will send the information to the acquiring merchant. The transaction result is received, and the payment result confirmation notification fed back by the acquiring merchant is received, and the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant.

Optionally, the on-chain monitoring module is further configured to monitor the cancellation order information on the chain, and the return order information includes a unique key value for indicating a transaction;

The transaction management module is further configured to query the payment status information of the transaction based on the unique key value; if the payment status information does not exist, or the payment status information is failed or the payment status information is revoked , send order cancellation success information; if the payment status information is pending, send order cancellation failure information; if the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node , the overseas acquiring system node sends the cancellation result to the acquiring merchant, and receives the cancellation confirmation notification fed back by the acquiring merchant, and the transaction result includes the change in the on-chain wallet balance of the acquiring merchant information;

Optionally, the on-chain monitoring module is further configured to monitor the on-chain currency string redemption request, the currency string to be redeemed in the currency string redemption request;

The transaction management module is further configured to perform redemption processing based on the coin string to be redeemed, add the balance of the redeemed coin string to the RMB balance account corresponding to the on-chain wallet id, and obtain the original value of the transaction. The foreign exchange quotation and original exchange rate, and the foreign exchange settlement and sale operation is performed, and the currency string balance added to the RMB balance account is converted into foreign currency based on the original foreign exchange quotation and original exchange rate. The acquiring system node sends the payment release response notification.

A third aspect of the present invention discloses a cross-border consumption payment system, the system comprising: a cross-border payment node, a domestic system node and an overseas acquiring system node deployed on the chain;

The cross-border payment node is constructed based on the blockchain underlying chain and the blockchain-as-a-service BaaS platform;

The cross-border payment node is used to monitor various transaction requests on the chain. When monitoring the order information on the chain, start the EDA drive mode. If the transaction request is order information, obtain the corresponding wallet id on the chain. The balance of the coin string in the wallet on the chain; and if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will process based on the payment amount of the order and the balance of the coin string on the chain, and obtain the same The equivalent coin string equal to the payment amount of the order; the coin string information and payment status information uploaded on the chain after the transaction is executed based on the equivalent coin string; If the balance of the currency string is less than the order payment amount, end the payment or execute the digital currency exchange process by the domestic system node; the order information at least includes the order payment amount and the on-chain payment to be executed. Wallet id; the domestic system node is used to process based on the order payment amount and the currency string balance on the chain, obtain an equivalent currency string equal to the order payment amount, and execute the digital currency exchange process;

The overseas acquiring system node is used to upload various transaction requests to the chain, and to receive and process various transaction notifications and response notifications.

Optionally, the system further includes a consumer service node;

The consumption service node is used to provide corresponding consumption services when the cross-border consumption business volume expands, or when the cross-border consumption business type expands.

Based on a cross-border consumption payment method, node and system based on legal digital currency provided by the above-mentioned embodiments of the present invention, the cross-border payment node is used to monitor the order information on the chain, and the order information at least includes the order payment amount and the chain of the payment to be executed. On-chain wallet id; when monitoring the order information on the chain, start the EDA drive mode to obtain the balance of the coin string in the on-chain wallet corresponding to the on-chain wallet id; if the coin string balance is greater than or equal to the order payment amount, the domestic system node Process based on the order payment amount and coin string balance on the chain, and obtain an equivalent coin string equal to the order payment amount; and payment status information to perform cross-border consumption accounting operations between both parties. In this solution, the cross-border consumption payment nodes deployed on the chain are used to interconnect with domestic system nodes, and the transaction payment is completed based on the cross-border consumption payment nodes, which can achieve the purpose of completing cross-border consumption payment efficiently and safely.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only It is an embodiment of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to the provided drawings without creative work.

1 is a schematic structural diagram of a cross-border consumption payment system provided by an embodiment of the present invention;

2 is a schematic flowchart of a cross-border consumption payment method based on legal digital currency provided by an embodiment of the present invention;

3 is a sequence diagram of a cross-border consumption payment method in a scanned mode provided by an embodiment of the present invention;

4 is a sequence diagram of a cross-border consumption payment method in a main scan mode provided by an embodiment of the present invention;

5 is a sequence diagram of a cross-border transaction of order cancellation (return) provided by an embodiment of the present invention;

6 is a schematic structural diagram of a cross-border payment node provided by an embodiment of the present invention;

FIG. 7 is a deployment diagram of a consumption service deployment node according to an embodiment of the present invention;

FIG. 8 is a deployment diagram of a consumption service deployment node according to an embodiment of the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

In this application, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a list of elements includes not only those elements, but also no Other elements expressly listed, or which are also inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of this application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It is to be understood that data so used may be interchanged under appropriate circumstances so that the embodiments described herein can be practiced in sequences other than those illustrated or described herein.

In order to facilitate the understanding of the technical solutions of the present invention, the technical terms appearing in the present invention are described:

Digital currency (that is, legal digital currency, or central bank digital currency, the abbreviation is tentatively designated as CBDC according to international usage practices): It is a digital form of legal currency issued by the central banks of various countries.

Currency string: It is the external expression of digital currency of a specific amount. It is an identifier with value characteristics generated according to specific specifications. It exists in the wallet and is displayed in the form of an encrypted string, making digital currency as easy to circulate and store as physical cash. .

Digital wallet: A digital wallet is a carrier of digital currency and a medium for reaching users. In the embodiment of the present invention, it refers to a domestic CBDC wallet opened according to the central bank's specifications, which is held by the user and initiates payment.

Blockchain digital currency wallet (account balance mode+): It is an upgrade based on UTXO structure and includes account balance mode. Its data structure is different from UTXO of traditional public chains, and it is a kind of account-based system that fully considers new forms of practice. It is composed of information elements such as account address, digital wallet ID, balance, currency string list, frozen currency string list, account information, and attribution Manager. It is a specific wallet opened to solve cross-border payment problems. In this embodiment of the present invention, it refers to an on-chain wallet.

Cross-border payment: The international credit and debt between two or more countries or regions due to international trade, international investment and other aspects realizes the cross-border and cross-regional transfer of funds by means of certain settlement tools and payment systems.

Cross-border consumption payment: refers to the behavior of domestic residents to use digital currency to pay at overseas online or offline merchants, which is an import expenditure under the current account in the balance of payments.

Cross-border consumption acquiring: refers to the business that the acquiring institution (in the embodiment of the present invention, the node of the overseas acquiring system) provides for the merchant to process cross-border payment from the consumer's bank card, account, and electronic wallet. After the transaction is processed, the acquirer sends a payment request to the card organization.

As shown in FIG. 1 , an embodiment of the present invention provides a cross-border consumption payment system. The cross-border consumption payment system includes a cross-border payment node 10 , a domestic system node 11 and an overseas acquiring system node 12 deployed on the chain.

It can be considered that the cross-border payment node 10, the domestic system node 11 and the overseas acquiring system node 12 are blockchain nodes.

The cross-border payment node 10 is one of the upper-layer applications constructed based on the underlying infrastructure of the blockchain.

The internal digital asset chain of the underlying infrastructure of the blockchain consists of an extension layer, a core layer and a support layer. Among them, the extension layer mainly adds an account balance model (UTXO-like structure) as the carrier of the blockchain wallet, and at the same time, adds Oracle The oracle service realizes interaction with external systems and completes real-time exchanges with trusted data sources. In addition, the extension layer also supports multi-CA centers, multi-encryption algorithms, multi-node sharding and trusted execution environment.

The core layer consists of a contract execution engine (which can support smart contracts developed in different programming languages), an adaptive consensus mechanism, and hybrid storage. The digital asset chain can provide external interfaces in the form of kafka message queue and Java SDK. For the upper-layer intermediate services, the application services provide external business-side functions including blockchain wallet opening, management, transfer, and query, and export them in the form of SDK. High-availability, high-performance, scalable, and maintainable basic services are provided by intermediate components.

The underlying infrastructure of the blockchain adopts a centralized authentication system and a distributed authentication system to achieve access control. The centralized certification system includes self-built CA and CFCA certificate systems. CFCA meets the needs of banks or financial institutions that have higher requirements for the security and authority of the certificate system. The distributed authentication system transfers the certificate management authority from the central organization to the participants of the blockchain, which has the advantages of decentralization, automation, and high efficiency.

Among them, the centralized CA certification access control system is mainly divided into two types. One is the access control of nodes, which mainly restricts the joining of new nodes and ensures that the nodes in the alliance chain are legally owned by the members of the alliance; the other is the interface. Access control, that is, restricting unauthorized clients or development tools to connect to blockchain nodes through interfaces, restricting DDoS attacks, and reducing the encroachment of node computing power and resources by malicious requests.

Specifically, the blockchain infrastructure includes the underlying chain of the blockchain and the BaaS (Blockchain as a Service) platform.

The storage in the underlying chain of the blockchain includes but is not limited to the contract account structure (similar to UXTO), and supports the blockchain's own or extended features such as smart contracts, pluggable consensus algorithms, privacy data protection, and homomorphic encryption.

The design of the BaaS platform is composed of multiple functional modules such as certificate configuration, key management, operation and maintenance monitoring, network configuration, authority management and cluster management, so as to realize the requirements for the operation, configuration and operation and maintenance of the underlying chain, and can Maintain each participating node in the blockchain.

In the embodiment of the present invention, the blockchain is mainly a consortium chain architecture.

The cross-border payment node 10 is used to perform on-chain monitoring, and perform corresponding payment services and transaction management based on various types of transaction requests monitored. When the order information on the chain is monitored, the Electronic Design Automation (EDA) drive mode is activated to ensure that when performing operations such as consumption redemption, the user is indifferent to the consumption redemption process.

The domestic system node 11 is used to perform processing such as melting or minting coins, and making changes for coin strings, as well as performing coin string redemption (exchange and recharge) operations using the account balance.

The cross-border payment node 10 and the domestic system node 11 can perform service addressing access through P4 ESB (middleware) to realize functions including but not limited to digital currency circulation, coin melting and coin minting services.

The overseas acquiring system node 12 is used to upload various transaction requests to the chain, and to receive and process various transaction notifications and response notifications.

In the embodiment of the present invention, as shown in Table 1 below, it is a list of blockchain functions that the cross-border payment node 10 can provide, Table 2 is a list of blockchain functions that the domestic system node 11 can provide, and Table 3 is a list of blockchain functions that can be provided by overseas payment nodes 10. List of blockchain functions that a single system node 12 can provide.

Table 1: Cross-border payment nodes

Function direction counterparty (source) Remark Order transaction message reception take over Overseas Acquiring System Nodes Coin string transfer request initiates on-chain send Domestic system node Token string ownership transfer result message reception take over Domestic system node Acquirer Redemption Request Transaction Received take over Overseas Acquiring System Nodes Return (Cancellation) Refund Transaction Receipt take over Overseas Acquiring System Nodes Return (revocation) refund transaction message is initiated on the chain send Overseas Acquiring System Nodes On-chain account currency string transfer send Domestic system node blockchain ledger On-chain account query send Domestic system node blockchain ledger

Table 2: Domestic system nodes

Function direction counterparty (source) Remark Token string transfer request received take over Cross-border payment node Coin string transfer result notification send Cross-border payment node Coin string on the chain send Domestic system node blockchain ledger Coin string off-chain send Domestic system node blockchain ledger On-chain account currency string transfer send Domestic system node blockchain ledger On-chain account query send Domestic system node blockchain ledger Coin string arrival notification take over Overseas Acquiring System Nodes

Table 3: Nodes of Overseas Acquiring System

In the embodiment of the present invention, for the design of the cross-border payment node 10, the domestic system node 11 and the overseas acquiring system node 12, the asynchronous framework is realized through the Kafka message queue middleware, and the message subscription mode is used to complete business scenarios such as cross-border consumption. Message delivery such as notifications, currency string on-chain, payment result notifications, etc. Among them, different topic topics are established between overseas acquiring system nodes and cross-border payment nodes, and channels with different delivery directions are constructed. At the same time, it supports subscription of events such as block events, contract events, transaction events, and system abnormality monitoring.

Based on the cross-border consumption payment system disclosed in FIG. 1, the embodiment of the present invention also provides a cross-border consumption payment method based on legal digital currency, which is applicable to the cross-border payment nodes deployed on the chain shown in FIG. 1 , the cross-border payment node is constructed based on the underlying chain of the blockchain and the BaaS platform. As shown in Figure 2, the method includes:

S201: Monitor the order information on the chain.

In S201, the order information includes at least an order payment amount and an on-chain wallet id for the payment to be performed.

S202: When monitoring the order information on the chain, start the EDA driving mode, and obtain the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain.

In S202, the on-chain data structure of the digital currency stored in the on-chain wallet includes but is not limited to the contents shown in Table 4.

Table 4

Attributes type length Account address uint 64 Account Balance double 15,2 Coin string list list -

Optionally, the on-chain wallet includes account address, on-chain wallet id, coin string balance, coin string list, frozen coin string list, account information and attribution information.

In the process of specifically implementing S202, when the order information on the chain is monitored, the EDA driving mode is started, that is, the processes from S202 to S206 are executed. In this EDA mode, it can be ensured that when performing operations such as consumption redemption, the user does not feel the process of consumption redemption.

S203: Determine whether the balance of the currency string is greater than or equal to the payment amount of the order, if so, execute S204 and S205; if not, execute S206.

S204: The domestic system node performs processing based on the order payment amount and the coin string balance on the chain, obtains an equivalent coin string equal to the order payment amount, executes a transaction based on the equivalent coin string and uploads it to the chain Token string information and payment status information.

In S204, the payment status information includes at least an order number.

The data structure of the payment status information on the chain includes but is not limited to the content shown in Table 5.

table 5

Attributes type length payer char 64 payee char 64 order number char 30 Payment amount double 15,2 exchange rate double 5,4 handling fee double 15,2 ... - -

In the specific implementation of S204, the domestic system node processes the balance of the coin string to melt or mint coins, and change the coin string, so as to obtain an equivalent coin string equal to the payment amount of the order.

S205: Execute the cross-border consumption accounting operation of both parties of the transaction according to the currency string information and the payment status information.

In the specific process of executing S205, the execution of the cross-border consumption accounting operations of both parties specifically includes: transferring the ownership of the payer's currency string to the payee. At the same time, a transaction record storage is generated.

S206: End the payment or execute the digital currency exchange process by the domestic system node.

In S206, the execution of the digital currency exchange process by the domestic system node specifically includes: using the account balance to complete the currency string exchange (exchange and recharge) by the domestic system node.

Based on a cross-border consumption payment method based on legal digital currency disclosed in the embodiment of the present invention, the cross-border payment node is used to monitor the order information on the chain, and the order information at least includes the order payment amount and the on-chain wallet id of the payment to be executed; When monitoring the order information on the chain, start the EDA drive mode to obtain the balance of the coin string in the on-chain wallet corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the order payment amount, the domestic system node will be based on the order on the chain. The payment amount and the balance of the coin string are processed, and the equivalent coin string equal to the order payment amount is obtained; the coin string information and payment status information uploaded on the chain after the transaction is performed based on the equivalent coin string is obtained, and the execution is performed according to the coin string information and the payment status information. Cross-border consumption accounting operations of both parties to the transaction. In this solution, the cross-border payment nodes deployed on the chain are used to interconnect with domestic system nodes, and transaction payments are completed based on cross-border payment nodes, which can efficiently and safely complete the purpose of cross-border consumption payment.

In a specific cross-border transaction scenario, there are scanned mode and main scan mode in the process of scanning code payment. Based on the method and system for cross-border consumption payment based on legal digital currency disclosed in the above embodiments of the present invention, the following specific examples are given.

For the scanned mode, as shown in Figure 3, it mainly includes the following steps:

S301: The consumer generates a two-dimensional code including order information based on the digital wallet APP request.

The order information includes the order payment amount and the on-chain wallet id for the payment to be executed.

S302: The order information is uploaded to the chain by the node of the overseas acquiring system.

S303: The cross-border payment node obtains the coin string balance in the corresponding on-chain wallet based on the on-chain wallet id in the order information on the chain.

S304: The cross-border payment node judges whether the balance of the currency string is sufficient for payment based on the order payment amount in the order information on the chain. If the balance of the currency string is sufficient, the order payment amount will be uploaded to the domestic system node. If the balance of the currency string is not enough, the payment will be ended directly, or the digital currency exchange process will be performed by the domestic system node.

S305: The domestic system node processes the balance of the coin string to melt or mint coins, and change the coin string to obtain an equivalent coin string equal to the payment amount of the order. Display the QR code containing the same amount of currency string on the digital wallet APP to complete the payment.

S306: The cross-border payment node executes the coin string information and payment status information uploaded on the chain based on the equivalent coin string after the transaction, and executes the cross-border consumption accounting operation of both parties according to the coin string information and the payment status information .

S307: The cross-border payment node sends a payment result notification message to the overseas acquiring system node.

S308: The overseas acquiring system node sends the payment result notification message to the acquiring merchant, and receives a payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the on-chain wallet of the acquiring merchant Balance change information.

For the main scan mode, as shown in Figure 4, it mainly includes the following steps:

S401: The acquiring merchant applies to the QR code system for the merchant's QR code for payment (static), and displays the QR code for payment to consumers (digital wallet customers).

S402: The consumer scans the payment QR code of the acquiring merchant through the digital wallet APP, and triggers the cross-border payment node to execute S403.

S403: The cross-border payment node generates transaction flow information for the payment business, and feeds it back to the overseas acquiring system node.

S404: After verifying the validity of the QR code, the node of the overseas acquiring system generates order information and uploads it to the chain. The order information includes the order payment amount and the on-chain wallet id of the consumer's pending payment.

S405: The cross-border payment node obtains the coin string balance in the corresponding on-chain wallet based on the on-chain wallet id in the order information on the chain.

S406: The cross-border payment node judges whether the balance of the currency string is sufficient for payment based on the order payment amount in the order information on the chain. If the balance of the currency string is sufficient, the order payment amount will be uploaded to the domestic system node. If the balance of the currency string is not enough, the payment will be ended directly, or the digital currency exchange process will be performed by the domestic system node.

S407: The domestic system node processes the balance of the coin string to melt or mint coins, and change the coin string to obtain an equivalent coin string equal to the payment amount of the order.

S408: The cross-border payment node executes the coin string information and payment status information uploaded on the chain based on the equivalent coin string after the transaction, and performs the cross-border consumption accounting operation of both parties according to the coin string information and the payment status information .

S409: The cross-border payment node sends a payment result notification message to the overseas acquiring system node.

In S409, the cross-border payment node pushes the payment result notification message to the overseas acquiring system node based on the event method.

An "event" is any meaningful change to the system where an event producer broadcasts a message that can be captured by one or more event consumers. Different from the request-response communication model, the event-driven model transmits and responds to information in a near real-time manner, with a shorter response time than the traditional batch method, and effectively improves the infinite log data expansion storage space and storage space of the existing IoT system database system. Data to find defects with high latency.

S410: The overseas acquiring system node sends the payment result notification message to the acquiring merchant, and receives a payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the domestic wallet balance of the acquiring merchant Change information.

In specific cross-border transaction scenarios, cross-border consumption returns support online returns on the next day. Query the relevant information of the original transaction of cross-border consumption through the unique key value such as the submitted order number, and check the amount of the return initiated (the system can support business models such as partial return and full return). And realize the processing in the opposite direction of the digital currency accounting of cross-border consumption transactions. During the processing, the return transaction information and the involved currency strings are still completed on the chain.

On the basis of the above-mentioned embodiment of the present invention disclosing a cross-border consumption payment method based on legal digital currency, the embodiment of the present invention also discloses a cross-border consumption payment method based on legal digital currency, which is suitable for cross-border consumption payment cancellation orders. in the context of international transactions. It mainly includes the following steps:

A1: The cross-border payment node monitors the cancellation order information on the chain, and the cancellation order information includes a unique key value used to indicate the transaction.

The unique key value includes, but is not limited to, the order number. Optionally, the unique key value may also be transaction serial number, transaction label, and other information that uniquely indicates the transaction.

A2: The cross-border payment node queries the payment status information of the transaction based on the unique key value. If the payment status information does not exist, or the payment status information is failed, or the payment status information is cancelled, execute A3; If the payment status information is to be determined, execute A4; if the payment status information is successful, execute A5.

A3: Send order cancellation success information.

A4: Send order cancellation failure information.

A5: Execute the cancellation transaction process, and send the cancellation result to the overseas acquirer system node, and the overseas acquirer system node sends the cancellation result to the acquirer merchant, and receives the cancellation order feedback from the acquirer merchant Confirm the notification, and the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant.

In the cross-border transaction scenario of order cancellation or return, based on the method and system for cross-border consumption payment based on legal digital currency disclosed in the above embodiments of the present invention, the process of cross-border transaction of order cancellation or return is specifically realized. As shown in Figure 5,

S501: The cross-border payment node monitors the cancellation order information on the chain, where the cancellation order information includes a unique key value for indicating a transaction.

In S501, the cancellation order information is generated by the overseas acquiring system node based on the return (cancellation) refund transaction initiated by the acquiring merchant.

The unique key value includes, but is not limited to, the order number. Optionally, the unique key value may also be transaction serial number, transaction label, and other information that uniquely indicates the transaction.

S502: The cross-border payment node queries the payment status information based on the order number. If the payment status information does not exist, or the payment status information is failed, or the payment status information is cancelled, execute S503; if the payment status information For pending determination, execute S504; if the payment status information is successful, execute S505.

S503: Send order cancellation success information.

S504: Send order cancellation failure information.

S505: Execute the cancellation transaction process, and send the cancellation result to the node of the overseas acquiring system.

S506: The overseas acquiring system node sends the order cancellation result to the acquiring merchant, and receives an order cancellation confirmation notification fed back by the acquiring merchant, where the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant.

In the embodiment of the present invention, the cancellation of cross-border consumption is a reverse business operation of consumption on the same day. The original transaction related information of cross-border consumption is queried through the unique key value such as the order number sent, so as to determine the transaction status of the original cross-border consumption, and determine whether to cancel the order according to the transaction status, and to determine whether the cancellation is successful.

In the embodiment of the present invention, after the cross-border consumption payment result is confirmed, the cross-border consumption payment system can automatically or manually execute the on-chain currency string redemption processing.

In one embodiment, the cross-border payment node monitors the on-chain currency string redemption request, the currency string to be redeemed in the currency string redemption request; the redemption process is performed based on the currency string to be redeemed, And notify the overseas acquiring system node of the redemption result.

In one embodiment, first, the cross-border payment node monitors the exchange request of the currency string on the chain, the currency string to be exchanged in the currency string exchange request.

Then, the cross-border payment node performs the redemption process based on the currency string to be redeemed, and adds the balance of the redeemed currency string to the RMB balance account corresponding to the wallet id on the chain.

Then, the cross-border payment node obtains the original foreign exchange price and the original exchange rate at the time of the transaction, performs the foreign exchange settlement and sale operation, and converts the balance of the currency string added to the RMB balance account into foreign currency based on the original foreign exchange price and the original exchange rate; After the foreign exchange settlement and sale operation is completed, a payment release response notification is sent to the overseas acquiring system node.

In the embodiment of the present invention, the cross-border payment nodes, domestic system nodes and overseas acquiring system nodes deployed on the chain are used for interconnection, and based on the cross-border payment nodes, transaction payment, revocation, currency string exchange, cross-border payment are completed. Transactions such as transfers can efficiently and safely complete the purpose of cross-border transactions.

Based on the cross-border consumption payment method based on legal digital currency disclosed in the above embodiments of the present invention, the embodiment of the present invention also discloses a cross-border payment node correspondingly, and the cross-border payment node is constructed based on the underlying chain of the blockchain and the BaaS platform , as shown in FIG. 6 , the cross-border payment node includes: an on-chain monitoring module 601 , a business module 602 and a transaction management module 603 .

The on-chain monitoring module 601 is used to monitor the order information on the chain. When the order information on the chain is monitored, the EDA drive mode is activated to execute the business module 602. The order information at least includes the order payment amount and the on-chain wallet for the payment to be executed. id.

The business module 602 is used to obtain the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will be based on the order on the chain. The payment amount and the balance of the coin string are processed to obtain an equivalent coin string equal to the payment amount of the order; if the balance of the coin string is less than the payment amount of the order, the payment is ended or the digital currency is executed by the domestic system node The exchange process, in which the on-chain wallet includes account address, on-chain wallet id, coin string balance, coin string list, frozen coin string list, account information and attribution information.

The transaction management module 603 is configured to obtain the coin string information and payment status information uploaded on the chain after performing the transaction based on the equivalent coin string, the payment status information at least includes the order number; according to the coin string information and the payment status The information performs the cross-border consumption accounting operations of both parties to the transaction.

In one embodiment, the transaction management module 603 is further configured to send the transaction result to the overseas acquiring system node after performing the cross-border consumption accounting operation of both parties to the transaction, and the overseas acquiring system node will send the transaction to the acquiring system. The merchant sends the transaction result, and receives the payment result confirmation notification fed back by the acquiring merchant, where the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant.

In one embodiment, the on-chain monitoring module 601 is further configured to monitor the cancellation order information on the chain, and the return order information includes a unique key value for indicating a transaction.

The transaction management module 603 is further configured to query the payment status information of the transaction based on the unique key value; if the payment status information does not exist, or the payment status information is failed or the payment status information is Cancellation, send order cancellation success information; if the payment status information is pending, send order cancellation failure information; if the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node, the overseas acquiring system node sends the cancellation result to the acquiring merchant, and receives the cancellation confirmation notification fed back by the acquiring merchant, and the transaction result includes the on-chain wallet balance of the acquiring merchant change information;

In one embodiment, the on-chain monitoring module 601 is further configured to monitor the on-chain currency string redemption request, the currency string to be redeemed in the currency string redemption request.

The transaction management module 603 is further configured to perform redemption processing based on the currency string to be redeemed, add the balance of the redeemed currency string to the RMB balance account corresponding to the on-chain wallet id, and obtain the transaction value. The original foreign exchange price and the original exchange rate, the foreign exchange settlement and sale operation is performed, and the currency string balance added to the RMB balance account is converted into a foreign currency based on the original foreign exchange price and the original exchange rate; The node of the overseas acquiring system sends the payment release response notification.

In the embodiment of the present invention, the cross-border payment nodes, domestic system nodes and overseas acquiring system nodes deployed on the chain are used for interconnection, and based on the cross-border payment nodes, transaction payment, revocation, currency string exchange, cross-border payment are completed. Transactions such as transfers can efficiently and safely complete the purpose of cross-border consumer payment.

Based on the cross-border consumption payment method and cross-border payment node based on legal digital currency disclosed in the above embodiments of the present invention, the embodiment of the present invention also discloses a cross-border consumption payment system, which is disclosed in FIG. 1 . The cross-border consumption payment system is the same, including cross-border payment nodes, domestic system nodes and overseas acquiring system nodes deployed on the chain.

When implementing different scenarios of cross-border transactions:

The cross-border payment node is used to monitor various transaction requests on the chain. When monitoring the order information on the chain, start the EDA drive mode. If the transaction request is order information, obtain the corresponding wallet id on the chain. The balance of the coin string in the wallet on the chain; and if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will process based on the payment amount of the order and the balance of the coin string on the chain, and obtain the same The equivalent coin string equal to the payment amount of the order; the coin string information and payment status information uploaded on the chain after the transaction is executed based on the equivalent coin string; If the balance of the currency string is less than the payment amount of the order, end the payment or execute the digital currency exchange process by the domestic system node.

The cross-border payment node is further configured to, if the transaction request is order cancellation information, the cancellation order information includes a unique key value for indicating a transaction, and query payment status information of the transaction based on the unique key value; If the payment status information does not exist, or the payment status information is failed or the payment status information is cancelled, send order cancellation success information; if the payment status information is pending, send order cancellation failure information; If the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node, and the overseas acquiring system node sends the cancellation result to the acquiring merchant, and receives the cancellation result. Confirmation notification of order cancellation reported by the acquirer.

The cross-border payment node is also used for, if the transaction request is a currency string redemption request, the currency string to be redeemed in the currency string redemption request; redemption based on the currency string to be redeemed Processing, adding the exchanged currency string balance to the RMB balance account corresponding to the wallet id on the chain, obtaining the original foreign exchange price and the original exchange rate at the time of the transaction, and executing the foreign exchange settlement and sale operation, based on the original foreign exchange price and original exchange rate Convert the balance of the currency string added to the RMB balance account into foreign currency, and after the foreign exchange settlement and sale operation is completed, send a payment release response notice to the node of the overseas acquiring system; and perform cross-border consumption accounting between both parties of the transaction After the operation, a payment result notification message is sent to the overseas acquiring system node, and the overseas acquiring system node sends the payment result notification message to the acquiring merchant, and receives the payment result confirmation notification fed back by the acquiring merchant.

The domestic system node is used for processing based on the order payment amount and the coin string balance on the chain, obtaining an equivalent coin string equal to the order payment amount, and executing the digital currency exchange process.

The overseas acquiring system node is used to upload various transaction requests to the chain, and to receive and process various transaction notifications and response notifications.

Wherein, the transaction includes at least order information, currency string redemption request and order cancellation information; the order information includes at least the order payment amount and the digital currency on-chain wallet id for the payment to be executed; the transaction notification at least includes payment result notification message, payment result confirmation notification and transaction result; the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant; the response notification at least includes payment result confirmation notification and order cancellation confirmation notification.

Based on the foregoing embodiments of the present invention, a method, node and system for cross-border consumption payment based on legal digital currency are disclosed. When the volume of cross-border consumption business expands, or when the type of cross-border consumption business expands, a consumer service node is deployed on the system in order to provide corresponding consumer services.

In one embodiment, when the cross-border consumption business volume expands, based on the characteristics of the microservice architecture, the consumption service and other services can be independently deployed on a single deployment unit, and can be scaled horizontally in terms of business increase. Specifically, the deployment units of consumer services can be added on the chain to respond to the expansion needs of the business. The application is divided into a group of small services, and the overall function of the cross-border consumption payment system is realized through the mutual coordination and configuration between the services.

As shown in Figure 7, if the current consumption service is based on 3 consumption service deployment units, it can support 50,000 consumption transactions. When the consumption increases to 100,000 transactions, add 3 new consumption deployment units in the dotted line. To achieve the expansion of consumer business.

In one embodiment, when the type of cross-border consumption business is expanded, based on the micro-service architecture model, when a new cross-border consumption business is added without affecting the current business, the business can be realized by adding an independent new consumption service module. extension. The original cross-border consumer business is implemented in the consumer service module A, and independent deployment ensures that the original consumer business remains unchanged. As shown in Figure 8, a transaction service module B is added, and the new cross-border consumption business is realized under this module. This module can be deployed independently without affecting the original consumption service A.

In the cross-border consumption payment method based on legal digital currency disclosed in the embodiment of the present invention, the blockchain technology is used to create an on-chain wallet (account balance mode+), and its data structure is different from the UTXO of the public chain. A new practical form of the system of accounts. It consists of information elements such as account address, digital wallet ID, balance, currency string list, frozen currency string list, account information, and attribution Manager. Among them, the list of frozen currency strings is designed for special application scenarios such as automatic redemption of currency strings off-chain. The cross-border consumption payment system disclosed in the embodiment of the present invention supports the closed-loop circulation process of digital currency value transfer between domestic consumers-overseas merchants-overseas institutions. For consumers, the on-chain wallet is no different from bank cards and mobile payment processes, but the effect is better than the traditional experience. For overseas merchants, it is temporarily impossible to directly receive digital currency. In this scheme, it is designed to be held by a digital currency institution (ownership relationship transfer), and after the overseas institution confirms the ownership of digital assets, the foreign currency funds are sent to the merchant to complete real-time settlement. Achieve the business goal of "pay as you settle". After the digital currency payment is executed in real time, it only involves the transfer of claims against the central bank from one user to another, the funds are not on the balance sheet of the intermediary, and only the net settlement on the balance sheet of the central bank is involved. Payment is completed in real time with a completely safe and neutral central bank digital currency. During the settlement process, there is no credit grant between banks, and there is no credit risk. Transaction costs, such as currency exchange, are competitive in terms of universal access, cost, data privacy and security.

Specifically, when the owner information of the coin string expression is changed, the system will call the DC/EP system online to apply for coin minting and change the institutional signature before the coin string is registered and put on the chain driven by the business scenario. Replace the <owner (public key)> information in the currency string expression with the public key of the payee or the person who is deemed to have the qualification for holding digital assets, and fill it with the institutional signature in the encryption machine of the operating organization, so as to realize The security of the currency string confirmation process and the ownership change and value transfer of digital assets depends on the double signature mechanism combining the institutional signature of the currency string expression and the owner's signature of the blockchain wallet. In addition, the value transfer process is completed centrally within the digital asset chain, ensuring consistent transaction results through atomicity.

Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for related parts. The systems and system embodiments described above are only illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, It can be located in one place, or it can be distributed over multiple network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

Professionals may further realize that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two, in order to clearly illustrate the possibilities of hardware and software. Interchangeability, the above description has generally described the components and steps of each example in terms of functionality. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Skilled artisans may implement the described functionality using different methods for each particular application, but such implementations should not be considered beyond the scope of the present invention.

The above description of the disclosed embodiments enables any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A cross-border consumption payment method based on legal digital currency, characterized in that it is applicable to a cross-border payment node deployed on the chain, and the cross-border payment node is based on a blockchain underlying chain and a blockchain-as-a-service BaaS Platform construction, the method includes: Monitor the order information on the chain, the order information at least includes the order payment amount and the wallet id on the chain for the payment to be executed; When the order information on the chain is monitored, the EDA drive mode is started, and the balance of the coin string in the on-chain wallet corresponding to the on-chain wallet id is obtained, and the on-chain wallet includes the account address, the id of the on-chain wallet, and the balance of the coin string. , currency string list, frozen currency string list, account information and attribution information; If the coin string balance is greater than or equal to the order payment amount, the domestic system node will process based on the order payment amount and the coin string balance on the chain, and obtain an equivalent coin string equal to the order payment amount ; Obtain the coin string information and payment status information uploaded on the chain after the transaction is performed based on the equivalent coin string, and the payment status information at least includes the order number; According to the currency string information and the payment status information, the cross-border consumption accounting operation of both parties of the transaction is performed. 2. The method according to claim 1, wherein the method further comprises: If the balance of the currency string is less than the payment amount of the order, the payment is ended or the digital currency exchange process is performed by the domestic system node. 3. The method according to claim 1, further comprising: Send the payment result notification message to the overseas acquiring system node, and the overseas acquiring system node sends the payment result notification message to the acquiring merchant, and receives the payment result confirmation notification fed back by the acquiring merchant, and the transaction result Including the change information of the on-chain wallet balance of the acquiring merchant. 4. The method according to any one of claims 1 to 3, wherein the method further comprises: Monitor the revocation order information on the chain, the revocation order information includes the unique key value used to indicate the transaction; Query the payment status information of the transaction based on the unique key value; If the payment status information does not exist, or the payment status information is failed or the payment status information is cancelled, send order cancellation success information; If the payment status information is to be determined, send order cancellation failure information; If the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node, and the overseas acquiring system node will send the cancellation result to the acquiring merchant, and receive the cancellation result. The order cancellation confirmation notice fed back by the acquirer merchant, and the transaction result includes the change information of the on-chain wallet balance of the acquirer merchant. 5. The method according to any one of claims 1 to 3, wherein the method further comprises: Monitor the currency string redemption request on the chain, and the currency string to be redeemed in the currency string redemption request; perform the redemption process based on the currency string to be redeemed, and add the balance of the redeemed currency string to the in the RMB balance account corresponding to the wallet id on the chain; Obtain the original foreign exchange quotation and original exchange rate at the time of the transaction, perform foreign exchange settlement and sale operations, and convert the currency string balance added to the RMB balance account into foreign currency based on the original foreign exchange quotation and original exchange rate; After the foreign exchange settlement and sale operation is completed, a payment release response notice is sent to the overseas acquiring system node. 6. A cross-border payment node, characterized in that the cross-border payment node is constructed based on a blockchain underlying chain and a blockchain-as-a-service BaaS platform, and the cross-border payment node comprises: The on-chain monitoring module is used to monitor the order information on the chain. When the order information on the chain is monitored, the EDA drive mode execution business module is activated. The order information at least includes the order payment amount and the on-chain wallet id of the payment to be executed. ; The business module is used to obtain the balance of the coin string in the wallet on the chain corresponding to the wallet id on the chain; if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will pay based on the order on the chain The amount and the balance of the currency string are processed to obtain an equivalent currency string equal to the payment amount of the order; if the balance of the currency string is less than the payment amount of the order, the payment is ended or the digital currency exchange is performed by the domestic system node Process, on-chain wallet includes account address, on-chain wallet id, coin string balance, coin string list, frozen coin string list, account information and attribution information; The transaction management module is used to obtain the coin string information and payment status information uploaded on the chain after executing the transaction based on the equivalent coin string, the payment status information at least includes the order number; according to the coin string information and the payment status information Perform cross-border consumption accounting operations for both parties to the transaction. 7. The cross-border payment node according to claim 6, wherein the transaction management module is also used to send the transaction result to the overseas acquiring system node after performing the cross-border consumption bookkeeping operation of both parties of the transaction, The overseas acquiring system node sends the transaction result to the acquiring merchant, and receives the payment result confirmation notification fed back by the acquiring merchant, and the transaction result includes the change information of the on-chain wallet balance of the acquiring merchant. 8. The cross-border payment node according to claim 6 or 7, characterized in that, The on-chain monitoring module is also used to monitor the cancellation order information on the chain, and the cancellation order information includes a unique key value for indicating a transaction; The transaction management module is further configured to query the payment status information of the transaction based on the unique key value; if the payment status information does not exist, or the payment status information is failed or the payment status information is revoked , send order cancellation success information; if the payment status information is pending, send order cancellation failure information; if the payment status information is successful, execute the cancellation transaction process, and send the cancellation result to the overseas acquiring system node , the overseas acquiring system node sends the cancellation result to the acquiring merchant, and receives the cancellation confirmation notification fed back by the acquiring merchant, and the transaction result includes the change in the on-chain wallet balance of the acquiring merchant information; or, The on-chain monitoring module is further configured to monitor the on-chain currency string redemption request, the currency string to be redeemed in the currency string redemption request; The transaction management module is further configured to perform redemption processing based on the coin string to be redeemed, add the balance of the redeemed coin string to the RMB balance account corresponding to the on-chain wallet id, and obtain the original value of the transaction. The foreign exchange quotation and original exchange rate, and the foreign exchange settlement and sale operation is performed, and the currency string balance added to the RMB balance account is converted into foreign currency based on the original foreign exchange quotation and original exchange rate. The acquiring system node sends the payment release response notification. 9. A cross-border consumption payment system, characterized in that the system comprises: a cross-border payment node, a domestic system node and an overseas acquiring system node deployed on the chain; The cross-border payment node is constructed based on the blockchain underlying chain and the blockchain-as-a-service BaaS platform; The cross-border payment node is used to monitor various transaction requests on the chain. When monitoring the order information on the chain, it starts the EDA drive mode and obtains the balance of the currency string in the on-chain wallet corresponding to the on-chain wallet id. ; and if the balance of the coin string is greater than or equal to the payment amount of the order, the domestic system node will process based on the payment amount of the order and the balance of the coin string on the chain, and obtain an equivalent value equal to the payment amount of the order coin string; obtain the coin string information and payment status information uploaded on the chain after the transaction is performed based on the equivalent coin string; perform cross-border consumption accounting operations of both parties according to the coin string information and the payment status information; If the balance of the currency string is less than the payment amount of the order, the payment is ended or the digital currency exchange process is executed by the domestic system node; the order information at least includes the payment amount of the order and the wallet id on the chain for the payment to be executed; The domestic system node is used for processing based on the order payment amount and the coin string balance on the chain, obtaining an equivalent coin string equal to the order payment amount, and executing the digital currency exchange process; The overseas acquiring system node is used to upload various transaction requests to the chain, and to receive and process various transaction notifications and response notifications. 10. The system of claim 9, further comprising: a consuming service node; The consumption service node is used to provide corresponding consumption services when the cross-border consumption business volume expands, or when the cross-border consumption business type expands.

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