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Bank transfer method and system based on blockchain network

A blockchain and bank account technology, applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve problems such as high business fees, personal information exposure, single point of failure hidden dangers, etc.

Pending Publication Date: 2020-10-30
BANK OF CHINA
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Problems solved by technology

[0004] The embodiment of the present invention provides a bank transfer method based on a blockchain network, which is used for bank transfer transactions. On the basis of solving the problems of traditional banking single-point failure hidden dangers, personal information exposure, and high service fees, the transaction rate is improved. Speed ​​and transaction performance, the method is applied to the payment line server, including:

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  • Bank transfer method and system based on blockchain network
  • Bank transfer method and system based on blockchain network
  • Bank transfer method and system based on blockchain network

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Embodiment Construction

[0034] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0035] As mentioned above, in the traditional public chain technology, because there is no consensus node with high trust between nodes, a lot of system computing power is wasted in the process of transaction consensus, resulting in relatively low system transaction performance. In the alliance chain technology, although the strict access method is adopted to improve the efficiency of the consensus mechanism, due to the lack of the concept of Token, it is impossible to conduct transfer transactions directly like the general public chain technology.

[0036] Blockchain...

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Abstract

The invention discloses a bank transfer method and system based on a blockchain network, and the method comprises the steps: receiving a bank account transfer request which comprises a payment account, a collection account and a transfer amount; according to the bank account transfer request, generating a virtual account transfer request, wherein the virtual account transfer request comprises a payment virtual account, a collection virtual account and a virtual currency amount; sending the virtual account transfer request to the blockchain network, wherein the blockchain network pushes the virtual account transfer request to a payee server, and the payee server returns a transfer transaction result according to the virtual account transfer request. According to the invention, the transaction speed and the transaction performance can be improved on the basis of solving the problems of single-point fault hidden danger, personal information exposure and high business service charge of thetraditional banking business.

Description

technical field [0001] The invention relates to the technical field of bank transfer, in particular to a bank transfer method and system based on a block chain network. Background technique [0002] As a basic business of banks, money transfer often has two business steps: payment and settlement. The bank card transfer generally performed by users belongs to the category of payment. Its essence is the record of transfer information and the change of personal account information. The real funds do not circulate in real time. The account is netted. At present, in the field of banking and finance, personal transfer has always been a high-frequency business. However, due to the high degree of centralization of the entire system architecture, there is inevitably the same hidden danger of single point of failure as other centralized systems, and the use of blockchain technology can solve this problem to a certain extent. [0003] In the existing technology, public chain technol...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/02G06Q20/38G06Q40/02
CPCG06Q20/10G06Q20/023G06Q20/3825G06Q20/3829G06Q40/02
Inventor 宋海曦
Owner BANK OF CHINA
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