CN109359988B - Resource allocation method, system, server and storage medium based on block chain - Google Patents
Resource allocation method, system, server and storage medium based on block chain Download PDFInfo
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Abstract
The application provides a resource allocation method, a system, a server and a storage medium based on a block chain. Wherein, the method comprises the following steps: when detecting that the third user account receives the first money to be paid to the first user account by the second user account, paying the first money to the first user account, and uploading a first trust record to the block chain network, wherein the first trust record is an information record of the second user account, the second user account and the first user account are put in credit, and the corresponding first money payment is completed; and when the third user account receives a second payment which is to be paid to the second user account by the first user account, paying the second payment to the second user account, and uploading a second trust record to the block chain network, wherein the second trust record is a second payment completion information record.
Description
Technical Field
The present application relates to the field of block chain technology application, and in particular, to a method, a system, a server, and a storage medium for resource allocation based on a block chain.
Background
Block chains: the Blockchain (Blockchain) is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different users in the blockchain system.
At present, payment based on the internet in the industry is realized by using legal coins, and after the lender completes the transaction under the witness of the third party, the lender and the third party do not perform the anti-repudiation operation, for example, the lender and the third party are communicated with each other, and the lender cannot prevent the repudiation of the lender and the third party under the condition that the lender cannot prove that the lender and the third party are communicated with each other; for example, the lender can not be authenticated to be communicated with the third party, and the lender can not be prevented from being repudiated by the third party. Thus, there is a problem in the prior art of repudiation of transactions in loan relationships over a network.
Disclosure of Invention
In view of the above, the present application provides a resource allocation method, system, server and storage medium based on a block chain, which are used to solve the problem of transaction repudiation in an online loan relationship in the prior art.
The application provides a resource allocation method based on a block chain, which is applied to a block chain network, and the method comprises the following steps: when detecting that a third user account receives a first money which is to be paid to a first user account by a second user account, paying the first money to the first user account, and uploading a first trust record to the block chain network, wherein the first trust record is an information record which is obtained by putting credit on the first user account by the second user account and completing corresponding payment of the first money; and when the third user account receives a second money to be paid to the second user account by the first user account, paying the second money to the second user account, and uploading a second trust record to a block chain network, wherein the second trust record is a second money payment completion information record, and the amount of the first money and the amount of the second money have a first preset relationship.
Optionally, in this embodiment of the application, before the detecting that the third user account receives the first money that the second user account intends to pay to the first user account, the method further includes, before paying the first money to the first user account and uploading the first trust record to the blockchain network: receiving a first request sent by the first user account and the second user account, wherein the first request is used for requesting to select a third user account as a transaction supervisor, and the first request comprises information of the third user account, a first user identifier of the first user account and a second user identifier of the second user account; sending the first request to the third user account, and acquiring original data in the blockchain network based on the first user identification and the second user identification under the condition that the third user account requests to verify the first user account and the second user account; calculating a first trust value for the first user account and a second trust value for the second user account based on the raw data; when the first trust value and the second trust value meet a preset rule, sending a message that the verification is passed to the third user account; and when the confirmation information sent by the third user account is received, marking the third user account as a transaction supervisor of the first user account and the second user account.
Optionally, in this embodiment of the application, after calculating the first trust value of the first user account and the second trust value of the second user account based on the raw data, the method further includes: judging whether the sum of the first trust value and the second trust value is greater than a trust preset value; if so, determining that the first trust value and the second trust value meet the preset rule.
Optionally, in an embodiment of the present application, the method further includes: and if the sum of the first trust value and the second trust value is not greater than the trust preset value, sending a message of failed verification to the third user account.
Optionally, in this embodiment of the application, before the receiving the first request sent by the first user account and the second user account, the method further includes: receiving a second request sent by the first user account and the second user account, wherein the second request is used for requesting to select a transaction supervisor; the method comprises the steps of obtaining a plurality of user accounts with credit values ranked at a preset threshold value from a transaction supervisor alternative database, and pushing the user accounts to a first user account and a second user account for selection of the first user account and the second user account.
Optionally, in this embodiment of the present application, the calculating the first trust value of the first user account and the second trust value of the second user account based on the raw data includes: calculating a first credit value of the first user account according to the first borrowing record and the first repayment record, and calculating a second credit value of the second user account according to the second borrowing record and the second repayment record; and respectively calculating a first trust value of the first user account and a second trust value of the second user account according to the original data, the first credit value and the second credit value.
Optionally, in this embodiment of the application, the calculating, according to the original data, the first credit value, and the second credit value, a first trust value of the first user account and a second trust value of the second user account respectively includes: acquiring a first sum according to the original data, wherein the first sum is the sum of the credit values of all registered users, and the original data also comprises the credit values of all registered users; acquiring a second sum according to the original data, wherein the second sum is the sum of the payment completion information records of all registered users, and the original data also comprises the payment completion information records of all registered users; obtaining the first trust value according to the first credit value, the first sum, a first trust record number and the second sum, wherein the first trust record number is a payment completion information record number of the block chain network uploaded by the first user account; and obtaining the second trust value according to the second credit value, the first sum value, a second trust record number and the second sum value, wherein the second trust record number is a payment completion information record number of the second user account uploading block chain network.
The present application also provides a resource allocation system, which includes: the system comprises a first trust record uploading module, a second trust record uploading module and a third trust record sending module, wherein the first trust record uploading module is used for paying a first money to a first user account by a second user account when detecting that the third user account receives the first money to be paid to the first user account by the second user account, and uploading a first trust record to a block chain network, and the first trust record is an information record of the second user account putting credit to the first user account and the corresponding first money payment completion; and the second trust record uploading module is used for paying the second money to the second user account and uploading a second trust record to the block chain network when the third user account receives the second money to be paid to the second user account by the first user account, wherein the second trust record is the second money payment completion information record, and the amount of the first money and the amount of the second money have a first preset relationship.
The present application further provides a server, including: a processor, a memory storing machine-readable instructions executable by the processor, and a communication interface for communicating with an external device, the machine-readable instructions, when executed by the processor, performing a method as described above.
The present application also provides a storage medium being a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method as described above.
The application provides a resource allocation method, a system, a server and a storage medium based on a block chain, when a third user account receives any operation of a second user account on a first user account, any operation information of the second user account on the first user account is uploaded to the block chain network, specifically, a first trust record is uploaded to the block chain network, the first trust record is a first money payment completion information record, a second trust record is uploaded to the block chain network, and the second trust record is a second money payment completion information record, so that operation authentication and disclosure processes are carried out, and the operation disclosure and transparency are increased. In this way, the problem of transaction repudiation in the loan relation on the network in the prior art is effectively solved.
In order to make the aforementioned and other objects and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
For a clearer explanation of the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 shows a schematic flow chart of a resource allocation method provided in an embodiment of the present application;
fig. 2 is a schematic flowchart illustrating a resource allocation method provided in an embodiment of the present application before step S110;
fig. 3 is a schematic flowchart illustrating a resource allocation method provided in an embodiment of the present application after step S80;
fig. 4 is a schematic flowchart illustrating a resource allocation method provided in an embodiment of the present application before step S60;
fig. 5 is a flowchart illustrating step S80 of a resource allocation method provided in an embodiment of the present application;
fig. 6 is a flowchart illustrating step S85 of a resource allocation method provided in an embodiment of the present application;
fig. 7 is a timing diagram illustrating another manner of a resource allocation method based on a block chain according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of a resource allocation system provided in an embodiment of the present application;
fig. 9 is a schematic diagram illustrating a complete structure of a resource allocation system provided in an embodiment of the present application;
fig. 10 is a schematic structural diagram illustrating a trust value calculation module 80 provided in an embodiment of the present application;
fig. 11 shows a schematic structural diagram of a server provided in an embodiment of the present application.
Icon: 100-a resource allocation system; 40-a second request receiving module; 50-a user account pushing module; 60-a first request receiving module; 70-original data acquisition module; 80-a trust value calculation module; 81-trust preset value judgment module; 82-satisfy the preset rule determination module; 83-authentication failure message sending module; 84-credit calculation module of user; 85-trust value calculation module of user; 86-a first sum value calculation obtaining module; 87-a second sum value calculation obtaining module; 88-a first trust value obtaining module; 89-a second trust value obtaining module; 90-authentication passes the message sending module; 95-transaction supervisor marking module; 110-a first trust record upload module; 120-a second trust record upload module; 200-a server; 210-a processor; 220-a memory; 230-communication interface.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present application without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
In the description of the present application, it should also be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element. The specific meaning of the above terms in the present application can be understood in a specific case by those of ordinary skill in the art.
Some embodiments of the present application will be described in detail below with reference to the accompanying drawings. The embodiments described below and the features of the embodiments can be combined with each other without conflict.
Intelligent contracts-essentially, the working principle of these automatic contracts is similar to if-then statements of other computer programs. Smart contracts interact with real-world assets only in this manner. When a pre-programmed condition is triggered, the intelligent contract executes the corresponding contract clause.
First embodiment
Referring to fig. 1, fig. 1 is a schematic flowchart illustrating a resource allocation method according to an embodiment of the present disclosure. The resource allocation method based on the block chain is applied to a block chain network, the method is applied to a node server in the block chain network, and the method comprises the following steps:
step S110: when detecting that a third user account receives a first money which is to be paid to a first user account by a second user account, paying the first money to the first user account, and uploading a first trust record to the blockchain network, wherein the first trust record is an information record of the second user account putting credit to the first user account and the corresponding first money payment completion.
The first user account, the second user account and the third user account may also be referred to as a first user, a second user and a third user, respectively, and when not specifically described below, the first party user account may represent a first party, the second party user account may represent a second party and the third party user account may represent a third party. Where the first party user account may be a debit, where the second party user account may be a credit, and where the third party user account may be a funds broker or a transaction regulator. The first trust record is uploaded to the blockchain network, namely, a third party corresponding to a third party user account serves as a transaction manager, and a money record which is credited by a lender to a borrower is uploaded to the blockchain network.
Step S120: and when the third user account receives a second money to be paid to the second user account by the first user account, paying the second money to the second user account, uploading a second trust record to the block chain network, wherein the second trust record is the second money payment completion information record, and the amount of the first money and the amount of the second money have a first preset relationship.
Where the first user account may be a debit, where the second user account may be a credit, and where the third user account may be a funds broker. The first trust record is uploaded to the block chain network, namely, a third user corresponding to a third user account is used as a transaction manager, and the money record which is still given to the lender by the borrower is uploaded to the block chain network.
As can be seen from fig. 1, when the third user account receives the payment operation in the first user account or the second user account, the operation record in the first user account or the second user account is uploaded to the blockchain network, where the operation record refers to the above-mentioned trust record, that is, the repayment record of the first user account or the loan record of the second user account. The operation records are uploaded to the block chain network, so that the operation of the third user account is authenticated and disclosed, the information openness and the information transparency are increased, the operation records uploaded to the block chain network cannot be changed, and errors can be verified once the operation records are changed, so that the integrity and the irretrievable property of the operation record data are ensured, the irretrievable property of the operation record data is further enhanced, and the problem of transaction repudiation in the loan relation on the network in the prior art is effectively solved.
Referring to fig. 2, fig. 2 is a schematic flowchart illustrating a resource allocation method according to an embodiment of the present application before step S110. Optionally, in this embodiment of the application, when it is detected that the third user account receives the first money to be paid to the first user account by the second user account, before paying the first money to the first user account and uploading the first trust record to the blockchain network, the method further includes:
step S60: and receiving a first request sent by the first user account and the second user account, wherein the first request is used for requesting to select a third user account as a transaction supervisor, and the first request comprises the information of the third user account and the first user identifier of the first user account and the second user identifier of the second user account.
It should be noted that, after the third user terminal selected by the lender is agreed by the borrower, a record request sent by the lender is received, and the record request includes the first user id of the borrower and the second user id of the lender. The user Identifier, for example, a Universal Unique Identifier (UUID), may also be a Unique key that uniquely identifies the user in the database, where the Unique key is a constraint key that does not duplicate all values of the field in the database, for example, a value generated in the database by an auto-increment process or an auto-increment function, for example, a value generated by using a time-related value as a seed of a random function, or a value generated as a parameter of a hash function, and a specific generation manner and content of the user Identifier herein should not be construed as limiting the present application.
Step S70: and sending the first request to the third user account, and acquiring original data in the blockchain network based on the first user identification and the second user identification under the condition that the third user account requests to verify the first user account and the second user account.
It should be noted that, the first request is sent to the third user account, and in a case that the third user account requests to verify the first user account and the second user account, the original data in the blockchain network is obtained based on the first user identifier and the second user identifier. The original data refers to that each node server in the block link network synchronizes and stores a same block link file, the next block is specifically calculated according to the content of the previous block, any block is changed, the hash value or the digest value calculated by the next node changes, and the block link file is a file in which a plurality of nodes completely store the same respectively, so that the block link file has non-tamper property and is finally stored as a block link file similar to a chain.
Step S80: a first trust value for the first user account and a second trust value for the second user account are calculated based on the raw data.
And obtaining respective trust values from the blockchain network according to the user identifications of the borrower and the lender, wherein the respective trust values are used as reference values for recording whether a third user terminal, namely a fund intermediary can record for the third user terminal and the lender. The third user terminal, the funds broker, may refuse to record transaction information for the borrower and the lender, for example, when the sum of the trust values of the borrower and the lender is below 100, or when the trust value of the borrower or the trust value of the lender is below 50.
Step S90: and if the sum of the first trust value and the second trust value is greater than a preset trust value, determining that the first trust value and the second trust value meet a preset rule.
And if the first trust value and the second trust value meet a preset rule, sending a message that the verification is passed to the third user account. The preset rule here is, for example: whether the sum of the first trust value and the second trust value is greater than a trust preset value, for example, whether the sum of the trust values of the borrower and the lender is greater than 100, and for example, whether the sum of the first trust value multiplied by the weight value and the second trust value is greater than 200, and the preset rules should not be construed as limiting the application.
Step S100: and when the confirmation information sent by the third user account is received, marking the third user account as a transaction supervisor of the first user account and the second user account.
Referring to fig. 3, fig. 3 is a schematic flowchart illustrating a resource allocation method according to an embodiment of the present application after step S80. Optionally, in this embodiment of the application, after calculating the first trust value of the first user account and the second trust value of the second user account based on the raw data, the method further includes:
step S81: and judging whether the sum of the first trust value and the second trust value is greater than a trust preset value.
It should be noted that, if the sum of the first trust value and the second trust value is greater than the preset trust value, it is determined that the first trust value and the second trust value satisfy the preset rule. In other words, the presetting hereinThe rule is whether the sum of the first trust value and the second trust value is greater than a preset trust value, of course, the sum of the first trust value and the second trust value may be the sum of the first trust value and the second trust value after the first trust value and the second trust value are weighted, for example, the first trust value is recorded as x1And the second confidence value is recorded as x2The sum of the two values after weight value taking is represented as w1x1+w2x2Here w1Is a weight value of a first trust value, here w2Weight value of second trust value, w1And w2There may be a preset relationship. For example, the predetermined relationship is w1+w2＝1。
Step S82: and if the sum of the first trust value and the second trust value is greater than the trust preset value, determining that the first trust value and the second trust value meet the preset rule. At this time, the node server in the blockchain sends a message that the verification is passed to the third user account.
Optionally, in an embodiment of the present application, the method further includes:
step S83: and if the sum of the first trust value and the second trust value is not greater than the trust preset value, sending a message of failed verification to the third user account.
The trust preset value here is a specific value, for example, when the sum of the trust values of the borrower and the lender is lower than 100, and for example, when the trust value of the borrower or the trust value of the lender is lower than 50, the third user terminal, i.e., the fund intermediary, may refuse to record the transaction information for the borrower and the lender. The trust preset value may be 100, 80, or 50, and the specific determination form and the specific size of the trust preset value should not be construed as limiting the application.
Referring to fig. 4, fig. 4 is a schematic flowchart illustrating a resource allocation method according to an embodiment of the present application before step S60. Optionally, in this embodiment of the application, before the receiving the first request sent by the first user account and the second user account, the method further includes:
step S40: and receiving a second request sent by the first user account and the second user account, wherein the second request is used for requesting to select a transaction supervisor.
The method comprises the steps of receiving a second request sent by a first user account and a second user account, namely, the first user account and the second user account both send the second request, wherein the second request comprises information of the first user account and information of the second user account, and the second request is used for requesting to select a transaction supervisor.
Step S50: and acquiring a plurality of user accounts with credit values ranked at a preset threshold value from the transaction manager alternative database, and pushing the user accounts to the first user account and the second user account for selection of the first user account and the second user account.
The node server in the blockchain network obtains a plurality of user accounts with credit values ranked at a preset threshold from the transaction supervisor alternative database, where the plurality of user accounts can be used as the transaction supervisor to supervise the transaction process of the first user account and the second user account. The first user account and the second user account may filter a plurality of user accounts according to the credit value information, or may filter a plurality of user accounts according to other characteristics as the transaction manager, for example, a time period from a first time when the user account is used as the transaction manager to a last time when the user account is used as the transaction manager, for example, a time point when the user account is used as the transaction manager last time, for example, a number of times that the user account is used as the transaction manager, and the like. Of course, if the first user account and the second user account are not satisfied with the previously pushed plurality of user accounts, the node server in the blockchain may re-request to retrieve a different user account from the transaction manager alternate database than the previously pushed user account. Of course, a specific or designated user account may be pushed to the first user account and the second user account as the transaction manager, for example, if the specific or designated user is the transaction manager required by the first user account and the second user account online, then the designated user account may be pushed to both directly. Therefore, the selection diversity of the first user account and the second user account is increased in the mode, so that the requirements of different users under different scenes are met.
Referring to fig. 5, fig. 5 is a schematic flowchart illustrating step S80 of the resource allocation method according to the embodiment of the present application. Optionally, in this embodiment of the present application, the calculating the first trust value of the first user account and the second trust value of the second user account based on the raw data includes:
step S84: and calculating a first credit value of the first user account according to the first borrowing record and the first repayment record, and calculating a second credit value of the second user account according to the second borrowing record and the second repayment record.
The first borrowing record and the first repayment record both represent the number of borrowing and repayment of the first user, and the following description is not added, both represent the number of borrowing records or the number of repayment records, for example, the first user borrows money from the second user and also gives money to the second user, and after the first user returns money to the second user, the first user wants to borrow money from the fourth user, but does not yet give money to the fourth user, then at this time, the first borrowing record of the first user is 2, and the first repayment record of the first user is 1. For example, the first debit record is marked as x1The first repayment record is x2The sum of the two values after weight value taking obtains the first credit value as w1x1+w2x2Here w1Is a first preset value, here w2Is a second preset value, w1And w2May have a predetermined relationship such as w1+w21. Similarly, the second debit record is marked as x1The second repayment record is x2The sum of the two values after weight value taking obtains the second credit value as w1x1+w2x2Here w1Is a first preset value, here w2Is a second preset value, w1And w2May have a predetermined relationship such as w1+w21. The first or second predetermined value here can be 0.1, as well asMay be 0.4, 0.6 or 0.9. The specific value of the first preset value or the second preset value should not be construed as limiting the application.
Step S85: and respectively calculating a first trust value of the first user account and a second trust value of the second user account according to the original data, the first credit value and the second credit value.
Referring to fig. 6, fig. 6 is a schematic flowchart illustrating step S85 of the resource allocation method according to the embodiment of the present application. Optionally, in this embodiment of the present application, the calculating a first trust value of the first user account and a second trust value of the second user account according to the original data, the first credit value, and the second credit value respectively includes:
step S86: and acquiring a first sum value according to the original data, wherein the first sum value is the sum of the credit values of all the registered users, and the original data also comprises the credit values of all the registered users.
The method comprises the steps of obtaining borrowing and repayment records of all users from original data, calculating credit values of all users according to the borrowing and repayment records of all users, and then calculating the sum of the credit values of all registered users to obtain a first sum.
Step S87: and acquiring a second sum according to the original data, wherein the second sum is the sum of the payment completion information records of all the registered users, and the original data also comprises the payment completion information records of all the registered users.
And acquiring a second sum according to the original data, wherein the second sum is the sum of the payment completion information records of all the registered users, and the original data also comprises the payment completion information records of all the registered users. The times of all user accounts as transaction supervision parties can be obtained from the original data, and the sum of the times of all users as transaction supervision parties can be calculated according to the times of all users as transaction supervision parties, so that a second sum value can be obtained.
Step S88: and obtaining a first trust value according to the first credit value, the first sum value, the first trust record number and the second sum value, wherein the first trust record number is the payment completion information record number of the first user account uploading block chain network.
Step S89: and obtaining a second trust value according to the second credit value, the first sum value, the second trust record number and the second sum value, wherein the second trust record number is the payment completion information record number of the second user account uploading block chain network.
Illustratively, the first credit value is denoted as c1The first sum is denoted as s1The first trust record number is recorded as r1And the first trust record number is the payment completion information record number of the first user account uploading block chain network. The second sum is denoted as s2Then the first trust value is calculated as
W herein1Is a first preset value, here w2Is the second preset value. For example, w1Is 40, w2At 60, the first trust value is calculated as
Of course, the first preset value and the second preset value can also be weights, and the preset relationship between the first preset value and the second preset value is w1+w21, e.g. w1Is 0.4, w2Is 0.6, then the first confidence value is calculated as
The second trust value is calculated similarly, the second trust value is calculated as
In the formula, c2Is the second credit value, r2A second trust record number. Therefore, the manner and specific method of calculating the first confidence value and the second confidence value should not be construed as limiting the application.
Referring to fig. 7, fig. 7 is a timing diagram illustrating another manner of resource allocation method based on a block chain according to an embodiment of the present application.
The timing diagram of another mode of the resource allocation method based on the block chain provided by the embodiment of the application. Illustrated is a loan relationship that occurs over a blockchain network. The trusted third party may be a third party (e.g., a financial institution such as a bank) under government regulation, or may be a third party designated by both parties of a transaction in the blockchain network (the third party signs a trust agreement, and the contents of the agreement are stored in the blockchain). The two transaction parties and the third party can be considered as three users in the block chain network, the users have unique account numbers in the block chain network and correspond to the unique account numbers, and the two transaction parties pay with the french coins outside the block chain network.
The first party, i.e. the user corresponding to the first user account mentioned above, may also be referred to as the first user account or the first user or the debit party for short; the second party, i.e. the user corresponding to the second user account mentioned above, may also be referred to as the second user account or the second user or the lender for short; the third party, i.e. the user corresponding to the third user account mentioned above, may also be referred to as the third user account or the third user for short.
The loan may be placed in a manner that the borrower sends the fund demand information to the lender, the lender issues the loan to the lender through a third party after the lender passes the verification, and the third party uploads the loan payment completion information to the block chain network after the loan is issued to the borrower. Of course, the funds do not pass through the third party, and it is also possible for the lender to pay the funds to the borrower under the witness of the third party.
The loan is repayed by the borrower through a third party who pays the funds to the lender and uploads a repayment confirmation message to the blockchain network. The above processes can be controlled by intelligent contracts.
Any user in the block chain network has a credit value, the credit value can be evaluated according to the historical transaction records of the user, the more transaction records, the better the performance condition, and the higher the credit value correspondingly. A trust value may be set for a third party selected as a trusted user, and the trust value may be evaluated based on a percentage of the user's credit value over the entire blockchain network and a percentage of times the user becomes a trusted third party over the entire blockchain network. For example, if the credit value of user C is 20, and the sum of the credit values of all users in the blockchain network is 4000, the percentage of the credit value of user C is 0.5%; the number of times that the user C becomes a trusted third party is 10, the sum of the number of times that all users in the block chain network become trusted third parties is 10000, the percentage of the trusted times of the user C is 0.1%, and the trust value of the user C can be calculated by the following formula: the trust value is credit value percentage multiplied by 100 multiplied by 40% + trusty times percentage multiplied by 100 multiplied by 60%, intelligent contracts are implanted in the block chain network to automatically calculate the trust value of each user, and a list is formed to be referred by both trading parties. If the trust value of user C is high enough, a commission may be charged, e.g. one ten thousandth of the transaction amount, which may be freely set by user C, when user C becomes a third party trusted user for a certain transaction.
Here, the user a is a user corresponding to the first party or the first user account, which may also be referred to as the first user account or the first user or the debit for short; the user B, i.e. the user corresponding to the second party or the second user account mentioned above, may also be referred to as the second user account or the second user or the credit; the user C is a user corresponding to the third party or the third user account, and may be simply referred to as the third user account or the third user.
The process by which transactor A and transactor B select user C as the third party trusted user may be as follows.
1. And the user A and the user B find out that the trust value of the user C is ranked at the top and the commission is low in the list, decide to select the user C as a trusted third party for transaction payment, and send information requesting the user C to become the trusted third party to the user C.
2. The user C checks the trust values of the user A and the user B in the list, if the trust values of the user A and the user B are too low, the user C can reject the request and feed back rejection information to the user A and the user B; if the trust values of the user A and the user B meet the requirements, the user C can accept the request and feed back the acceptance information to the user A and the user B.
Second embodiment
Referring to fig. 8, fig. 8 is a schematic structural diagram of a resource allocation system according to an embodiment of the present application. The present application provides a resource allocation system 100, the resource allocation system 100 includes:
the first trust record uploading module 110 is configured to, when it is detected that the third user account receives the first money that the second user account intends to pay to the first user account, pay the first money to the first user account, and upload the first trust record to the blockchain network, where the first trust record is an information record that the second user account credits the first user account and the corresponding first money payment is completed.
And the second trust record uploading module 120 is configured to, when the third user account receives a second payment to be paid to the second user account from the first user account, pay the second payment to the second user account, and upload the second trust record to the blockchain network, where the second trust record is a second payment completion information record, and an amount of the first payment and an amount of the second payment have a first preset relationship.
Referring to fig. 9, fig. 9 is a schematic diagram illustrating a complete structure of a resource allocation system according to an embodiment of the present application. The resource allocation system 100 further comprises:
and the second request receiving module 40 is configured to receive a second request sent by the first user account and the second user account, where the second request is used to request to select a transaction manager.
The user account pushing module 50 is configured to obtain a plurality of user accounts with credit values ranked at a preset threshold from the transaction administrator candidate database, and push the plurality of user accounts to the first user account and the second user account for selection by the first user account and the second user account.
The first request receiving module 60 is configured to receive a first request sent by a first user account and a second user account, where the first request is used to request to select a third user account as a transaction manager, and the first request includes information of the third user account, and a first user identifier of the first user account and a second user identifier of the second user account.
And the raw data acquiring module 70 is configured to send the first request to a third user account, and acquire the raw data in the blockchain network based on the first user identifier and the second user identifier when the third user account requests to verify the first user account and the second user account.
A trust value calculation module 80 for calculating a first trust value for the first user account and a second trust value for the second user account based on the raw data;
the verification passing message sending module 90 is configured to send a verification passing message to the third user account when the first trust value and the second trust value satisfy the preset rule;
and the transaction administrator marking module 95 is configured to mark the third user account as a transaction administrator of the first user account and the second user account when receiving the confirmation information sent by the third user account.
Referring to fig. 10, fig. 10 is a schematic structural diagram illustrating a trust value calculating module 80 according to an embodiment of the present application. The trust value calculation module 80 includes:
and the trust preset value judging module 81 is configured to judge whether the sum of the first trust value and the second trust value is greater than a trust preset value.
And a satisfaction preset rule determining module 82, configured to determine that the first trust value and the second trust value satisfy the preset rule if a sum of the first trust value and the second trust value is greater than the trust preset value.
And the verification failure message sending module 83 is configured to send a message of verification failure to the third user account if the sum of the first trust value and the second trust value is not greater than the trust preset value.
And the user credit calculation module 84 is used for calculating a first credit of the first user account according to the first borrowing record and the first repayment record and calculating a second credit of the second user account according to the second borrowing record and the second repayment record.
And the user trust value calculation module 85 is configured to calculate a first trust value of the first user account and a second trust value of the second user account according to the original data, the first credit value, and the second credit value, respectively.
A first sum calculation obtaining module 86, configured to obtain a first sum according to the original data, where the first sum is a sum of the credit values of all registered users, and the original data further includes the credit values of all registered users.
And a second sum value calculation and acquisition module 87, configured to acquire a second sum value according to the raw data, where the second sum value is a sum of the payment completion information records of all registered users, and the raw data further includes the payment completion information records of all registered users.
And a first trust value obtaining module 88, configured to obtain a first trust value according to the first credit value, the first sum, the first trust record number, and the second sum, where the first trust record number is a payment completion information record number of the first user account upload blockchain network.
A second trust value obtaining module 89, configured to obtain the second trust value according to the second credit value, the first sum, a second trust record number, and the second sum, where the second trust record number is a payment completion information record number of the second user account upload blockchain network.
Third embodiment
Referring to fig. 11, fig. 11 is a schematic diagram illustrating a server structure provided in an embodiment of the present application. The present application provides a server 200, comprising: a processor 210, a memory 220 and a communication interface 230, the memory 220 storing machine readable instructions executable by the processor 210, the communication interface 230 for communicating with external devices, the machine readable instructions when executed by the processor 210 performing the method as the first embodiment.
Fourth embodiment
A storage medium is provided, which is a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method as described above.
The application provides a resource allocation method, a system, a server and a storage medium based on a block chain, when a third user account receives any operation of a second user account on a first user account, any operation information of the second user account on the first user account is uploaded to the block chain network, specifically, a first trust record is uploaded to the block chain network, the first trust record is a first money payment completion information record, a second trust record is uploaded to the block chain network, and the second trust record is a second money payment completion information record, so that operation authentication and disclosure processes are carried out, and the operation disclosure and transparency are increased. In this way, the problem of transaction repudiation in the loan relation on the network in the prior art is effectively solved.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (8)
1. A resource allocation method based on a block chain is applied to a block chain network, and the method comprises the following steps:
receiving a second request sent by a first user account and a second user account, wherein the second request is used for requesting to select a transaction supervisor;
acquiring a plurality of user accounts with credit values ranked above a preset threshold value from a transaction supervisor alternative database, and pushing the user accounts to the first user account and the second user account for selection of the first user account and the second user account;
receiving a first request sent by the first user account and the second user account, wherein the first request is used for requesting to select a third user account as a transaction supervisor, and the first request comprises information of the third user account, a first user identifier of the first user account and a second user identifier of the second user account;
sending the first request to the third user account, and acquiring original data in the blockchain network based on the first user identification and the second user identification under the condition that the third user account requests to verify the first user account and the second user account;
calculating a first trust value for the first user account and a second trust value for the second user account based on the raw data;
when the first trust value and the second trust value meet a preset rule, sending a message that the verification is passed to the third user account;
when confirmation information sent by the third user account is received, marking the third user account as a transaction supervisor of the first user account and the second user account;
when detecting that the third user account receives a first money to be paid to the first user account by the second user account, paying the first money to the first user account, and uploading a first trust record to the block chain network, wherein the first trust record is an information record of the second user account putting credit to the first user account and the corresponding first money payment completion;
and when the third user account receives a second money to be paid to the second user account by the first user account, paying the second money to the second user account, and uploading a second trust record to a block chain network, wherein the second trust record is a second money payment completion information record, and the amount of the first money and the amount of the second money have a first preset relationship.
2. The method of claim 1, wherein after calculating a first trust value for the first user account and a second trust value for the second user account based on the raw data, the method further comprises:
judging whether the sum of the first trust value and the second trust value is greater than a trust preset value;
if so, determining that the first trust value and the second trust value meet the preset rule.
3. The method of claim 2, wherein the method further comprises:
and if the sum of the first trust value and the second trust value is not greater than the trust preset value, sending a message of failed verification to the third user account.
4. The method of any one of claims 1-3, wherein the raw data includes a first debit record and a first payment record for the first user account and a second debit record and a second payment record for the second user account, the calculating a first trust value for the first user account and a second trust value for the second user account based on the raw data comprises:
calculating a first credit value of the first user account according to the first borrowing record and the first repayment record, and calculating a second credit value of the second user account according to the second borrowing record and the second repayment record;
and respectively calculating a first trust value of the first user account and a second trust value of the second user account according to the original data, the first credit value and the second credit value.
5. The method of claim 4, wherein said calculating a first trust value for the first user account and a second trust value for the second user account from the raw data, the first credit value, and the second credit value, respectively, comprises:
acquiring a first sum according to the original data, wherein the first sum is the sum of the credit values of all registered users, and the original data also comprises the credit values of all registered users;
acquiring a second sum according to the original data, wherein the second sum is the sum of the payment completion information records of all registered users, and the original data also comprises the payment completion information records of all registered users;
obtaining the first trust value according to the first credit value, the first sum, a first trust record number and the second sum, wherein the first trust record number is a payment completion information record number of the block chain network uploaded by the first user account;
and obtaining the second trust value according to the second credit value, the first sum value, a second trust record number and the second sum value, wherein the second trust record number is a payment completion information record number of the second user account uploading block chain network.
6. A resource allocation system, for use in a blockchain network, the resource allocation system comprising:
the second request receiving module is used for receiving a first user account and a second request sent by a second user account, and the second request is used for requesting to select a transaction supervisor;
the system comprises a user account pushing module, a transaction monitoring party standby database and a second user account sorting module, wherein the user account pushing module is used for acquiring a plurality of user accounts with credit values above a preset threshold from the transaction monitoring party standby database and pushing the user accounts to the first user account and the second user account for selection;
a first request receiving module, configured to receive a first request sent by the first user account and the second user account, where the first request is used to request to select a third user account as a transaction manager, and the first request includes information of the third user account, and a first user identifier of the first user account and a second user identifier of the second user account;
the original data acquisition module is used for sending the first request to the third user account, and acquiring original data in the blockchain network based on the first user identification and the second user identification under the condition that the third user account requests to verify the first user account and the second user account;
a trust value calculation module to calculate a first trust value for the first user account and a second trust value for the second user account based on the raw data;
the verification passing message sending module is used for sending a verification passing message to the third user account when the first trust value and the second trust value meet a preset rule;
the transaction monitoring party marking module is used for marking the third user account as a transaction monitoring party of the first user account and the second user account when receiving the confirmation information sent by the third user account;
the system comprises a first trust record uploading module, a second trust record uploading module and a third trust record sending module, wherein the first trust record uploading module is used for paying a first money to a first user account by a second user account when detecting that the third user account receives the first money to be paid to the first user account by the second user account, and uploading a first trust record to a block chain network, and the first trust record is an information record of the second user account putting credit to the first user account and the corresponding first money payment completion;
and the second trust record uploading module is used for paying the second money to the second user account and uploading a second trust record to the block chain network when the third user account receives the second money to be paid to the second user account by the first user account, wherein the second trust record is the second money payment completion information record, and the amount of the first money and the amount of the second money have a first preset relationship.
7. A server, comprising: a processor, a memory storing machine readable instructions executable by the processor, and a communication interface for communicating with an external device, the machine readable instructions when executed by the processor performing the method of any of claims 1 to 5.
8. A storage medium, characterized in that the storage medium is a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 5.
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