基于许可链的SWIFT系统分布式架构

Distributed Framework of SWIFT System Based on Permissioned Blockchain

跨境金融通信对于现代金融业务的开展极为重要.环球银行金融电信协会(SWIFT)是跨境金融通信服务的主要提供者.现阶段,报文传输是 SWIFT 系统的主要业务,确保报文传输安全、准确、高效,是 SWIFT 系统的重要目标.但现阶段基于中心架构思想的 SWIFT 系统安全风险突出,传输效率低,成本较高.基于许可链分布式共识机制,提出 BCSWIFT 系统,对现有的 SWIFT 系统进行优化.首先,将 SWIFT 系统的传输网络划分为主网络层和附加网络层;其次,提出了基于双层网络结构的共识算法;第三,介绍了 BCSWIFT 系统的报文交互和传输机制;第四,出于金融业务数据商业保密考虑,提出了一种面向 BCSWIFT 系统的隐私保护机制;第五,对 BCSWIFT 系统的安全性进行了分析.以优化 SWIFT 系统的报文传输业务为例,阐释了基于许可链的跨境金融通信的基本机理,为确保跨境支付、清算、结算的安全、高效、准确和低成本化运作提供了新的思路,也为区块链技术大规模商业应用提供了重要参照.

Cross-border financial communication is extremely important for the development of modern financial services. The society for worldwide interbank financial telecommunications (SWIFT) is the main provider of cross-border financial communications services. Now, telecommunications message transmission is the main business of SWIFT systems to ensure the transmission of messages. Security,accuracy, and efficiency are important goals of SWIFT system. However, the current SWIFT system based on the concept of central architecture has outstanding security risks, low transmission efficiency, and high cost. This study proposes a BCSWIFT system based on the permissioned blockchain distributed consensus mechanism, which can make SWIFT system be optimized. First, the transmission network of the SWIFT system is divided into the main network layer and the additional network layer. Second, a consensus algorithm based on the double-layer network structure is proposed. Third, the telecommunications message exchange and transmission of the BCSWIFT system are introduced. Fourth, for the sake of business confidentiality of financial business data, the mechanism of message data privacy protection for financial institutions. Fifth, the security of BCSWIFT system. This article takes the optimization of the SWIFT system’s message transmission service as an example, explaining the basic mechanism of cross-border financial communications based on the permissioned blockchain, to provide new ideas for ensuring the safety, efficiency, accuracy and low-cost operation of cross-border paymen , and also provide an important reference for large-scale commercial application of blockchain technology.