Cross-border resource transfer authenticity verification method, device and electronic equipment

A method for auditing authenticity of a cross-border transaction requiring a cross-border resource transfer from a domestic payer to a cross-border payee, wherein the auditing authenticity uses a blockchain having node computing devices comprising at least an auditor node computing device accessed by an auditor of a payment associated with the cross-border transaction, and a payee computing device, the method being implemented on the auditor node computing device and the payee computing device, comprising:

• obtaining, by the auditor node computing device, a cross-border resource transfer request, wherein the auditor comprises a supervision institution independent from a domestic bank associated with the payer, wherein the cross-border resource transfer request is generated based on cross-border resource transfer information and identification information, the cross-border resource transfer information is initiated by the payer through a first off-chain process, the payer comprises an initiator of the cross-border resource transfer, who is required to pay for the cross-border transaction, the cross-border transaction is initiated by the payer to the payee via an electronic transaction order transmitted from the payer to the payee, the payee comprises a receiver of the electronic transaction order through a second off-chain process, the first off-chain process is initiated separately by the payer from the second off-chain process for the same cross-border transaction, the first off-chain process and the second off-chain process are processed outside of the blockchain, and the second off-chain process is followed by on-chain processing of the electronic transaction order, wherein the auditor node computing device is accessed by the auditor, and wherein the cross-border resource transfer information is obtained by:
• receiving, by the payee computing device, the electronic transaction order from the payer;
• generating, by the payee computing device, order data associated with the electronic transaction order including identification information associated with the payer;
• transmitting, by the payee computing device, a ledger transaction based on the order data to the blockchain and receive a consensus from all nodes of the blockchain;
• issuing, by the payee computing device, the order data to the blockchain for storage;
• calling, by the payee computing device, a first smart contract for generating identification information corresponding to the order data based on a logical algorithm of the first smart contract;
• storing, on the blockchain, the identification information for auditing authenticity of cross-border transactions;
• and
• obtaining, by a client computing device, in response to the cross-border resource transfer information and using a second smart contract, the identification information corresponding to the order data from the blockchain, wherein the identification information comprises information uniquely identifying the payment associated with the cross-border transaction;
• and
• performing, by the auditor node computing device, in response to the cross-border resource transfer request and based on proof information that is stored in the blockchain and corresponds to the identification information, an authenticity verification using a third smart contract on the cross-border resource transfer information, by
• determining whether cross-border resource transfer information received from the auditor matches cross-border resource transfer information indicated by the proof information, when the identification information comprises a search index for the proof information, and
• determining whether a credible certificate received from the auditor is a credible certificate generated based on the proof information, when the identification information comprises a credible certificate,
• wherein the proof information is provided and uploaded to the blockchain by the receiver of the cross-border resource transfer, and comprises at least proof documents proving a resource transfer relationship between the initiator of the cross-border resource transfer and the receiver of the cross-border resource transfer;
• and
• returning to the auditor a result of the authenticity verification.

A system for auditing authenticity of a cross-border transaction requiring a cross-border resource transfer from a domestic payer to a cross-border payee, wherein the auditing authenticity uses a blockchain having node computing devices comprising at least a client computing device associated with a payment processing service provider for processing a payment associated with the cross-border transaction, and a payee computing device, comprising a processor and a non-transitory computer-readable storage medium storing instructions executable by the processor to cause the system to perform operations comprising:

• obtaining, through a first off-chain process, cross-border resource transfer information initiated by the payer, wherein the payer comprises an initiator of the cross-border resource transfer, who is required to pay for the cross-border transaction, the cross-border transaction is initiated by the payer to the payee via an electronic transaction order transmitted from the payer to the payee, the payee comprises a receiver of the electronic transaction order through a second off-chain process, wherein the first off-chain process is initiated separately by the payer from the second off-chain process for the same cross-border transaction, wherein the first off-chain process and the second off-chain process are processed outside of the blockchain, and wherein the second off-chain process is followed by on-chain processing of the electronic transaction order, comprising:
• receiving the electronic transaction order from the payer;
• generating order data associated with the electronic transaction order including identification information associated with the payer;
• transmitting a ledger transaction based on the order data to the blockchain and receive a consensus from all nodes of the blockchain;
• issuing the order data to the blockchain for storage;
• calling a first smart contract for generating identification information corresponding to the order data based on a logical algorithm of the first smart contract;
• and
• storing, on the blockchain, the identification information for auditing authenticity of cross-border transactions;
• obtaining, in response to the cross-border resource transfer information and using a second smart contract, the identification information corresponding to the order data from the blockchain, wherein the identification information is generated and stored by the blockchain, and the identification information comprises information uniquely identifying the payment associated with the cross-border transaction;
• generating a cross-border resource transfer request based on the cross-border resource transfer information and the identification information;
• sending, to an auditor of cross-border resource transfers, the cross-border resource transfer request, wherein the auditor comprises a supervision institution independent from a domestic bank associated with the payer, and the cross-border resource transfer request causes an auditor node computing device in the blockchain and accessed by the auditor to perform, based on proof information that is stored in the blockchain and corresponds to the identification information, an authenticity verification using a third smart contract on the cross-border resource transfer information by,
• determining whether cross-border resource transfer information received from the auditor matches cross-border resource transfer information indicated by the proof information, when the identification information comprises a search index for the proof information, and
• determining whether a credible certificate received from the auditor is a credible certificate generated based on the proof information, when the identification information comprises a credible certificate,
• wherein the proof information is provided and uploaded to the blockchain by the receiver of the cross-border resource transfer, and comprises at least proof documents proving a resource transfer relationship between the initiator of the cross-border resource transfer and the receiver of the cross-border resource transfer;
• sending, by a domestic bank node computing device of the domestic bank, a remittance request to an overseas bank node computing device of an overseas bank, wherein the overseas bank is associated with the payee;
• performing, by the overseas bank node computing device, an authenticity audit based on the authenticity verification performed by the auditor;
• and
• process, by the overseas bank and the domestic bank, the remittance request to complete the payment associated with the cross-border transaction.