CN109598142B

CN109598142B - Credit right certificate generation method and device, electronic equipment and storage medium

Info

Publication number: CN109598142B
Application number: CN201811481071.2A
Authority: CN
Inventors: 郭锐; 蔡弋戈; 李茂材; 秦青; 唐子超; 尚庆正; 杨晨
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2018-12-05
Filing date: 2018-12-05
Publication date: 2022-02-22
Anticipated expiration: 2038-12-05
Also published as: CN109598142A; CN110457946A; CN110457946B

Abstract

The invention discloses a creditor certificate generation method and device, electronic equipment and a storage medium, and belongs to the technical field of block chains. The method comprises the following steps: generating a first creditor voucher according to the received creditor voucher generation request, wherein the first creditor voucher is used for indicating that the first virtual resource in the first account is transferred to the second account at the target time; generating a first block based on the first creditor certificate; acquiring a right confirmation result of the first account, wherein the right confirmation result is used for representing a verification result of the first account on the first creditor certificate; when the block chain system passes the consensus of the first block and the right confirmation result indicates that the first creditor certificate passes the verification, the first block is added to the block chain of the block chain system. The invention can verify and confirm the information before writing the information into the block chain, thereby improving the authenticity and the accuracy of the information to be added to the block chain, and the information on the block chain can not be tampered, thereby effectively ensuring the authenticity and the accuracy of the information on the block chain.

Description

Credit right certificate generation method and device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of block chain technologies, and in particular, to a method and an apparatus for generating a creditor certificate, an electronic device, and a storage medium.

Background

With the development of the blockchain technology, the blockchain technology is applied to more and more fields, for example, the fields of finance, information security, computing resource sharing, entertainment, social interaction, supply chain management or medical treatment and the like are widely applied. In the financial field, there is a hold-to-expire investment, which is a non-derivative financial asset, for example, a supplier may hold a creditor voucher, and when the creditor voucher expires, a core enterprise corresponding to the creditor voucher needs to pay the supplier for an amount in the creditor voucher.

At present, a creditor certificate generation method generally includes that a supplier invoices offline, an invoice is sent to a core enterprise, after the core enterprise receives the invoice, whether the invoice content is accurate or not can be checked, if so, a right confirming letter which is a creditor certificate can be issued to the supplier. The creditor voucher is used to indicate that the core enterprise needs to transfer a certain amount of assets into the provider's account at some specific time in the future. The staff of the supplier can send the relevant information of the right confirming function to the blockchain system through the equipment, and the blockchain system writes the relevant information into the blockchain to obtain the creditor certificate corresponding to the right confirming function.

In the creditor certificate generating process in the method, information of the creditor certificate is directly written into the block chain by one party, and if the information provided by the supplier is inaccurate, the block chain system does not verify the information, so that the information on the block chain is inaccurate and poor in authenticity.

Disclosure of Invention

The embodiment of the invention provides a creditor certificate generation method and device, electronic equipment and a storage medium, and can solve the problems of inaccurate information and poor authenticity on a block chain in the related technology. The technical scheme is as follows:

in one aspect, a creditor certificate generation method is provided, and is applied to a node device in a block chain system, and the method includes:

generating a first creditor voucher according to the received creditor voucher generation request, wherein the first creditor voucher is used for indicating that the first virtual resource in the first account is transferred to the second account at the target time;

generating a first block based on the first creditor certificate;

acquiring a result of the first account for the right confirmation, wherein the result of the right confirmation is used for representing a verification result of the first account on the first creditor certificate;

when the block chain system passes the consensus of the first block and the right confirmation result indicates that the first creditor certificate passes the verification, the first block is added to a block chain of the block chain system.

In one aspect, a creditor certificate generation method is provided, and the method includes:

acquiring a creditor certificate generation instruction, wherein the creditor certificate generation instruction is used for generating a first creditor certificate, and the first creditor certificate is used for indicating that a first virtual resource in a first account is transferred to a second account at a target time;

sending a creditor certificate generation request to a block chain system according to the creditor certificate generation instruction, acquiring an authorization confirmation result of the first account by the block chain system, and generating a first creditor certificate according to the authorization confirmation result;

and receiving a first creditor certificate sent by the block chain system.

In one aspect, an apparatus for generating a creditor credential is provided, the apparatus comprising:

the generating module is used for generating a first creditor voucher according to the received creditor voucher generating request, wherein the first creditor voucher is used for indicating that the first virtual resource in the first account is transferred to the second account at the target time;

the generating module is further configured to generate a first block based on the first creditor certificate;

the acquisition module is used for acquiring an authorization confirmation result of the first account, wherein the authorization confirmation result is used for representing a verification result of the first account on the first creditor certificate;

and the adding module is used for adding the first block to the block chain of the block chain system when the block chain system passes the consensus of the first block and the right confirmation result indicates that the first creditor certificate passes the verification.

the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring a creditor voucher generation instruction which is used for generating a first creditor voucher, and the first creditor voucher is used for indicating that a first virtual resource in a first account is transferred to a second account at a target time;

a sending module, configured to send a creditor credential generation request to a blockchain system according to the creditor credential generation instruction, where the blockchain system obtains an authorization confirmation result of the first account, and generates a first creditor credential according to the authorization confirmation result;

and the receiving module is used for receiving the first creditor certificate sent by the block chain system.

In one aspect, an electronic device is provided, and the electronic device includes a processor and a memory, where the memory stores at least one instruction, and the instruction is loaded and executed by the processor to implement the operations performed by the creditor credential generation method.

In one aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, and the instruction is loaded and executed by a processor to implement the operations performed by the creditor credential generation method.

According to the embodiment of the invention, after the first creditor certificate is generated, the first creditor certificate can be authenticated through the creditor account corresponding to the first creditor certificate, if the authentication result indicates that the first creditor certificate is true and valid, the information of the first creditor certificate can be added to the block chain, and the information can be verified and confirmed before being written into the block chain, instead of being directly written into the block chain by a device, so that the authenticity and accuracy of the information to be added to the block chain are improved, and the information on the block chain cannot be tampered, so that the authenticity and accuracy of the information on the block chain can be effectively ensured.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is an implementation environment of a creditor credential generation method according to an embodiment of the present invention;

fig. 2 is an implementation environment of a creditor credential generation method according to an embodiment of the present invention;

fig. 3 is a flowchart of a creditor credential generation method according to an embodiment of the present invention;

fig. 4 is a flowchart of a creditor credential generation method according to an embodiment of the present invention;

fig. 5 is a flowchart of a creditor credential generation method according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a creditor credential generation apparatus according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a creditor credential generation device according to an embodiment of the present invention

Fig. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

An implementation environment of the creditor credential generation method provided by the embodiment of the present invention is described below, and with reference to fig. 1 and fig. 2, the implementation environment may include a plurality of electronic devices, and each electronic device may be a terminal or a server.

As shown in fig. 1, the plurality of electronic devices may be a plurality of node devices in a blockchain system. As shown in fig. 2, the plurality of electronic devices may also include electronic devices outside the blockchain system and a plurality of node devices in the blockchain system. The embodiment of the present invention does not limit what specific implementation manner is adopted.

The plurality of electronic devices in the blockchain system may be a plurality of node devices of the same organization, or may belong to different organizations. For example, the electronic devices may all belong to a financial institution, and the electronic devices may belong to different departments of the financial institution, or one or more of the electronic devices may be user devices, and one or more of the electronic devices belong to the financial institution, of course, other electronic devices may also belong to other institutions, for example, an asset management institution, and embodiments of the present invention are not listed here.

In one possible implementation, the plurality of electronic devices may each correspond to a different organization, such as a core enterprise, a supplier, an asset management organization, a financial organization, or other organization having a contractual relationship with a financial organization. The asset management platform can be deployed on the device of the asset management institution, and the device of the financial institution or other institutions having contract relation with the financial institution can be a resource transfer device.

The asset management platform can audit a creditor certificate generation request or a creditor certificate transfer request submitted by a supplier and generate a creditor certificate when the audit is passed, and can also realize resource transfer based on the creditor certificate when the creditor certificate expires together with resource transfer equipment. The resource transfer device can maintain resource information of a plurality of accounts and can also transfer resources in the accounts.

It should be noted that the device where the asset management platform is located may be a node device in the blockchain system, and the device of the core enterprise, the device of the provider, and the resource transfer device may be a node device in the blockchain system, or may be a node device outside the blockchain system, which is not limited in this embodiment of the present invention. In a possible implementation manner, the asset management platform may be deployed on one electronic device or may be deployed on multiple electronic devices in a distributed manner, for example, the asset management platform may be deployed on one server or may be deployed on one server cluster, which are hereinafter referred to as devices where the asset management platform is located, and this is not particularly limited in this embodiment of the present invention.

Of course, in order to perform services such as security authentication and rights management, a CA center (Certificate Authority) may be configured in the blockchain system for storing keys of each organization, and each electronic device in the blockchain system may obtain the key of each organization from the CA center to perform processes such as encryption and decryption of information.

Fig. 3 is a flowchart of a creditor credential generation method provided by an embodiment of the present invention, and referring to fig. 3, the creditor credential generation method may include the following steps:

301. the electronic equipment acquires a creditor voucher generation instruction, and the creditor voucher generation instruction is used for generating a first creditor voucher.

In an embodiment of the invention, a user may send a request to the blockchain system through the electronic device, for which the blockchain system generates a creditor credential, which typically has an expiration time at which a creditor may transfer a virtual resource in the creditor credential to the creditor. Of course, when the user holds the creditor voucher and the creditor voucher is not expired, the user can also perform operations such as creditor transfer.

For example, the creditor certificate generation method may be applied to a supply chain financial scenario, the creditor certificate may be a digital asset held in an expiration business, the supplier may hold the creditor certificate, the creditor certificate expires, and the core enterprise may pay the payment in the creditor certificate to the supplier, so that the creditor certificate is an electronic right-confirming letter, that is, an accounts receivable held by the supplier after the core enterprise confirms the right.

In step 301, a user may perform a creditor credential generation operation on an electronic device, and the electronic device may obtain a creditor credential generation instruction triggered by the creditor credential generation operation. The creditor credential generation instructions are for generating a first creditor credential for representing transfer of a first virtual resource in a first account to a second account at a target time. Of course, the creditor credential generation instruction may include information such as the target time, the first account, the first virtual resource, and the second account.

For example, in a supply chain financial scenario, a primary provider may apply for a creditor voucher of a certain core enterprise, and a staff of the primary provider may perform the creditor voucher generation operation on the electronic device, so that the electronic device obtains a creditor voucher generation instruction. Accordingly, the first account may be an account of the core enterprise, the second account may be an account of the primary provider, the first virtual resource is the money to be paid by the core enterprise, and the target time is the expiration time of the first creditor certificate, that is, the time when the core enterprise needs to pay the primary provider for the corresponding money.

302. And the electronic equipment sends a creditor certificate generation request to the block chain system according to the creditor certificate generation instruction.

Specifically, the request for generating the creditor credential may carry the content included in the instruction for generating the creditor credential, that is, the request for generating the creditor credential may carry information about the target time, the first account, the first virtual resource, the second account, and the like. Thus, in step 302, the electronic device may send a request for generating a creditor voucher to the blockchain system, and may request the blockchain system to generate a first creditor voucher according to the information carried in the request for generating the creditor voucher.

In one possible implementation manner, the electronic device may be a node device in the blockchain system, and the node device may submit a claim credential generation request to the blockchain system, and the claim credential generation request is processed by the electronic device and other node devices in the blockchain system together. In another possible implementation manner, the electronic device may also be an electronic device outside the blockchain system, and the electronic device may send a creditor certificate generation request to the blockchain system, process the creditor certificate generation request, and return a processing result to the electronic device. The embodiment of the present invention does not limit what specific implementation manner is adopted.

303. And the node equipment of the block chain system receives the creditor certificate generation request.

Specifically, in step 302, the electronic device may send the claim certificate generation request to any node device in the blockchain system, and the node device that receives the claim certificate generation request may forward the claim certificate generation request to other node devices in the blockchain system, so that in step 303, all the node devices in the blockchain system receive the claim certificate generation request.

Of course, in step 302, the electronic device may also send the request for generating the creditor credential to a plurality of node devices in the blockchain system, and the plurality of node devices may also perform the forwarding step, so that all the node devices in the blockchain system may receive the request for generating the creditor credential.

In a possible implementation manner, in step 302, the electronic device may send a request for generating a creditor credential to a device where the asset management platform is located, and the device where the asset management platform is located may forward the request for generating the creditor credential to other node devices in the blockchain system.

For example, the electronic device may be a device of a primary provider, and a worker of the primary provider may operate on the electronic device, so that the electronic device may send the claim certificate request to the asset management platform, and the blockchain system may further include other node devices in addition to the asset management platform, for example, the resource transfer device, the CA center, and the like, and the device where the asset management platform is located may forward the claim certificate request to the other node devices. Specifically, the device in which the Asset Management platform is located may include an Asset Management System (AMS), where the Asset Management System may be referred to as an Asset gateway auditing System. In the embodiment of the present invention, the asset gateway auditing system may audit the uplink assets, verify the authenticity of the trade, and forward the current to the core enterprise for confirmation according to the auditing standard of the tender financial institution, which may specifically refer to the following steps, which are not described herein in detail in the embodiment of the present invention.

304. And the node equipment of the block chain system generates a first creditor certificate according to the received creditor certificate generation request.

After receiving the request for generating the creditor voucher, any node device in the block chain system may execute the step 304, generate the first creditor voucher based on the content in the request for generating the creditor voucher, further check the first creditor voucher to determine the authenticity of the first creditor voucher, and perform the subsequent steps if the first creditor voucher is determined to be real and valid.

Of course, the step 304 may also be executed by one node device in the blockchain system, and the node device broadcasts the generated first creditor credential to other node devices, so that the other node devices may determine the authenticity of the first creditor credential generated by the node device based on the received first creditor credential and the creditor credential generation request, and execute the subsequent steps.

305. And the node equipment of the block chain system generates a first block based on the first creditor certificate.

After the node device generates the first creditor credential, the first block may be generated based on the first creditor credential, so that when the first block is agreed and passed and it is determined that the first creditor credential is true and valid, step 307 may be performed, where information of the first creditor credential is recorded on a block chain, so that the information of the first creditor credential is checked in an uplink process and information on the chain cannot be tampered, thereby ensuring authenticity and accuracy of the first creditor credential, and when resource transfer is subsequently performed based on the first creditor credential, accuracy of resource transfer may also be ensured.

It should be noted that, after the node device generates the first block, the node device may also broadcast the first block to other node devices, so that the blockchain system may identify the first block. Of course, in another possible implementation manner, the step 305 may also be performed by one or more node devices in the blockchain system, so as to generate a first block, and broadcast the first block to other node devices, so as to perform consensus, and the process may be determined based on a consensus policy, which is not limited in this embodiment of the present invention.

In a possible implementation manner, the process of the node device generating the first block may be: the last block in the current blockchain is called the previous block, i.e. the previous block is the block with the highest block height in the current blockchain, and the block being generated by the node device is called the next block (i.e. the first block). The node device may obtain all information of the previous block from the block chain, so as to generate a block header feature value of the previous block based on all information of the previous block, perform feature value calculation on the contract information and the first creditor credential to be stored in the next block, and obtain a block body feature value of the next block, and further, the node device may store the block header feature value of the previous block, the block body feature value of the next block (which may further include a difficulty value, a time stamp version number, and the like) to a block header of the next block, and store the contract information and the information of the first creditor credential, and the like to a block body of the next block, thereby generating the next block. Thus, the previous block and the next block are related by the block head characteristic value of the previous block, and the purpose of connecting blocks in series in a block chain can be realized. In the embodiment of the present invention, the next block is the first block, and the generation process of the first block refers to the generation process of the next block, and the first block and the previous block are connected in series in the block chain. Of course, the above is only an example of generating a block, and the generating process of the first block may also adopt other implementation manners, and the embodiment of the present invention does not limit the specific generating process of the first block.

In a specific possible embodiment, in the generating of the first block, the node device may perform hash calculation on the first creditor credential to obtain a hash value of the first creditor credential, so as to store the hash value in the first block.

After the node device of the blockchain system generates the first block, the blockchain system may also perform consensus on the first block to determine whether the content of the first block is accurate. Specifically, in the consensus process, the block chain system may verify the characteristic value generated in the first block, or may verify the accuracy of the information to be deposited this time, for example, may verify the information of the first creditor certificate to be deposited this time. In particular, the node device may verify the contents of the first block based on financial audit criteria. The content of the first block is the information of the first creditor certificate, and the financial auditing standard can be a standard adopted by a financial institution in auditing. This allows the information of the first creditor certificate to be audited to verify trade authenticity. In one possible implementation, the process of auditing or verifying may be implemented based on an asset gateway auditing system.

In a possible implementation manner, in the consensus process, after each node device verifies the first block, the node device may broadcast a verification result to other node devices, and when the verification result of a node device in the blockchain system that is greater than a preset ratio passes, the blockchain system may determine that the consensus passes for the first block. Of course, the specific implementation process and the preset ratio of the broadcast verification result may be preset by a relevant technician or adjusted by the relevant technician, which is not limited in the embodiment of the present invention, and the consensus process is not specifically limited.

It should be noted that the above-mentioned consensus process is only an example of the block consensus, and the consensus process may also be performed by the leader node device or the mine excavation node device in the block chain system to perform block generation and broadcast, and determine whether the block consensus passes, and the manner of determining whether the consensus passes may also be different from the setting of the preset ratio. The consensus process may be implemented based on a consensus policy, for example, the consensus policy may be an endorsement policy, and the endorsement policy may be used to indicate a requirement that the endorsement process in the target blockchain system needs to meet. For example, the endorsement policy may indicate that a plurality of endorsement nodes that need endorsement form an endorsement node set, and the endorsement process needs a joint signature of the endorsement node set.

306. And the node equipment of the block chain system acquires the authorization result of the first account, wherein the authorization result is used for representing the verification result of the first account on the first creditor certificate.

The first virtual resource in the request for generating the creditor credential submitted by the electronic device may not be agreed by the user, that is, the first virtual resource may not conform to real information, and in order to further determine the accuracy of the first creditor credential, the node device may further obtain the result of the authentication of the first account to determine whether the content of the first creditor credential is authentic, so that in case of authenticity, the following steps are performed to return the first creditor credential.

The process of the node device obtaining the result of the authorization of the first account may also include various ways. Specifically, the following provides two ways to obtain the results of the authentication:

in a first method, a node device of a blockchain system receives an authorization result of the first account.

In the first manner, the node device of the blockchain system may send an authorization request to a device corresponding to the first account and receive an authorization result of the first account.

For example, the node device of the blockchain system may send an authorization request to a device corresponding to the first account, where the device corresponding to the first account is referred to as a first device, and the first device may display an authorization notification when receiving the authorization request. When the user of the first device sees the right confirmation notification, the user may check the first creditor credential, that is, may check whether the content of the first creditor credential is authentic, and if so, may perform an agreement operation, and if not, may perform a denial operation. Thus, the first device can send the result of the authentication to the node device of the blockchain system after detecting the operation of the user, so that the node device of the blockchain system receives the result of the authentication of the first account. In a supply chain financial scenario, the node device may send an authentication request to a device of the core enterprise, operated by a staff member of the core enterprise, to return an authentication result.

In a second way, the node device of the block chain system receives the authorization file of the first account, analyzes the authorization file, and obtains an authorization result of the first account.

In the second manner, the node device of the blockchain system may obtain the result of the authorization of the first account by analyzing the authorization file. The authorization file may be obtained and sent to the node device by the first device based on the authorization request, may also be sent to the node device by the first device in advance, and may also be sent to the node device by a device corresponding to the second account.

After the node device acquires the right confirming file, the node device may analyze the right confirming file to determine whether information in the right confirming file is consistent with information in the first creditor certificate, so as to obtain a right confirming result of the first account.

For example, a primary supplier may send an invoice to a core enterprise, and the core enterprise may provide an authorization document for the primary supplier based on the invoice, where the authorization document is an authorization document, and of course, the authorization document may be a paper document, an electronic document, and a scanned document, a picture, or an electronic document of the paper document may be used as the authorization document. The above scenario may be that the node device sends an authorization request to the core enterprise, and the staff of the core enterprise uploads an authorization file.

For example, before the step 301, the electronic device sends a request for right confirmation to the first device through the blockchain system, and the first device returns a result of right confirmation, so that when the result of right confirmation indicates that the application content is correct, the electronic device sends a request for generating a creditor certificate to the blockchain system, where the request for generating a creditor certificate carries the application content of the right confirmation, so that the node device checks the first creditor certificate based on the application content of the right confirmation to obtain the result of right confirmation of the first account.

After obtaining the right confirmation result, the node device may determine whether the first creditor certificate passes the verification based on the right confirmation result, thereby determining a processing manner for the first creditor certificate and the first block. It should be noted that, the process of agreeing on the first block and the process of obtaining the acknowledgement result in step 305 may be performed simultaneously, or the node device may agree on the first block with other node devices first and then obtain the acknowledgement result, or obtain the acknowledgement result first and then agree. In a possible implementation manner, the node device may further perform step 306 when the consensus on the first block is passed by the block chain system, and if the consensus is not passed, the step 306 is not performed. In another possible implementation manner, the node device may first obtain a right confirmation result, perform consensus on the first block when the right confirmation result indicates that the first creditor credential passes the verification, and perform no consensus on the first block when the right confirmation result indicates that the first creditor credential does not pass the verification. Several optional implementation manners are provided, and the timing sequence of the consensus process and the process of obtaining the right-confirming result is not limited in the embodiment of the present invention.

Of course, the step 306 may be executed by one node device in the blockchain system, and after obtaining the right confirmation result, the node device forwards the right confirmation result to other node devices, without requiring that each node device obtains the right confirmation result.

307. When the block chain system passes the consensus of the first block and the confirmation result indicates that the first creditor certificate passes the verification, the node equipment of the block chain system adds the first block to a block chain of the block chain system.

In the above steps 305 and 306, if the blockchain system passes the consensus of the first block and the authentication result indicates that the first creditor voucher passes the authentication, it can be determined that the first creditor voucher is authentic and accurate, and the content in the first block is error-free, then the node device can add the first block to the blockchain of the blockchain system. Of course, all node devices in the blockchain system can perform the step 307, and add the first block to the blockchain after determining that the information is error-free.

In one possible implementation manner, when the block chain system passes the consensus of the first block and the confirmation result indicates that the first creditor credential passes the verification, the node device of the block chain system stores the first creditor credential in the creditor credential information base. After the first creditor certificate is determined to be correct, the first creditor certificate can also be stored, so that the first creditor certificate can be acquired from the creditor certificate information base when the first creditor certificate is required to be used subsequently.

It should be noted that, in order to ensure the accuracy of the first creditor credential in the creditor credential information base, a verification mechanism may be further disposed in the node device. Specifically, when receiving the instruction for acquiring the first creditor credential, the node device of the blockchain system may acquire the first creditor credential in the creditor credential information base, and then the node device may perform hash calculation on the first creditor credential to obtain a hash value of the first creditor credential. As already explained in step 305, the first block has the hash value of the first creditor credential stored therein, and the node device may compare the hash value of the first creditor credential with the hash value stored in the first block. When the hash value of the first creditor certificate is different from the stored hash value, the node device may send an acquisition failure message, where the acquisition failure message is used to inform that the first creditor certificate in the creditor certificate information base has been changed.

Of course, when the hash value of the first creditor credential is different from the stored hash value, it may be determined that the first creditor credential in the creditor credential information repository has not been altered. Therefore, through the setting and checking mechanism of the creditor certificate information base, excessive information does not need to be stored on the block chain, the first creditor certificate is stored in the creditor certificate information base, the accuracy of the first creditor certificate in the creditor certificate information base is guaranteed through the checking mechanism, and the accuracy and the authenticity of the information can be guaranteed while the storage burden of the block chain is reduced.

308. And the node equipment of the block chain system sends the first creditor certificate to the electronic equipment.

309. The electronic equipment receives the first creditor certificate sent by the block chain system.

After determining that the first creditor credential is correct, the node device may further send the first creditor credential to the electronic device, so that the electronic device may store the first creditor credential, and subsequently may also perform creditor transfer and the like based on the first creditor credential.

It should be noted that, the above-mentioned only case that the block chain system passes the consensus on the first block and the confirmation result indicates that the first creditor credential passes the verification is described, after the above-mentioned step 306, a scenario may be further included, where the block chain system fails to pass the consensus on the first block, or the confirmation result indicates that the first creditor credential fails the verification, in the above scenario, the information describing the first creditor credential is wrong, and the authenticity and accuracy of the first creditor credential have a problem, and then the node device may discard the first creditor credential and the first block. Therefore, the authenticity and the accuracy of the information to be added to the block chain can be ensured through the process of the authentication check.

In a possible implementation manner, in a scenario that the consensus fails or the first creditor credential fails to be verified, the node device may further send a generation failure message to the electronic device. That is, when the block chain system does not pass the first block consensus or the authentication result indicates that the first creditor credential is not verified, the node device of the block chain system sends a generation failure message. Accordingly, the electronic device receives a generation failure message, which is sent by the blockchain system when the first block consensus corresponding to the first creditor certificate fails or the right confirmation result indicates that the first creditor certificate fails to be verified.

In the above steps 301 to 309, a request for generating a creditor certificate is sent to the block chain system for the electronic device, the block chain system generates a first creditor certificate based on the request for generating the creditor certificate, and writes the first creditor certificate into the block chain when the first creditor certificate is determined to be true and valid, and if the first creditor certificate is determined to have a problem, the first creditor certificate can be discarded, so that the authenticity and accuracy of information on the chain are ensured. Of course, other interactions between the electronic device and the blockchain system may also be performed after the step 309, for example, the electronic device may send a credit transfer request to the blockchain system, the blockchain system provides credit transfer service for the electronic device, and for example, at the target time, the blockchain system automatically provides resource transfer service for the electronic device. The process after step 309 can refer to the following embodiment shown in fig. 4, and the embodiment of the present invention is not described herein for further details.

All the above-mentioned optional technical solutions can be combined arbitrarily to form the optional embodiments of the present invention, and are not described herein again.

After step 309 in the embodiment shown in fig. 3, a plurality of possible scenarios, such as a credit transfer scenario and a resource transfer scenario, may also be included, and the following describes a plurality of scenarios that may be included by using the embodiment shown in fig. 4, in the embodiment shown in fig. 4, only a scenario in which two types of credit transfers and resource transfers occur, and corresponding steps that need to be performed by the electronic device and the blockchain system in the corresponding scenario are taken as examples for description, and the embodiment of the present invention does not limit what kind of scenarios may occur specifically. Of course, in the foregoing scenario, other electronic devices may also execute the steps in the same manner to implement the service function in the similar scenario, and the following exemplary description is also provided for the similar scenario that may also occur through the embodiment shown in fig. 5, and the specific scenario that may occur is not limited in the embodiment of the present invention.

Fig. 4 is a flowchart of a creditor credential generation method provided by an embodiment of the present invention, and referring to fig. 4, the method may include the following steps:

401. the electronic equipment acquires a creditor voucher generation instruction, and the creditor voucher generation instruction is used for generating a first creditor voucher.

402. And the electronic equipment sends a creditor certificate generation request to the block chain system according to the creditor certificate generation instruction.

403. And the node equipment of the block chain system receives the creditor certificate generation request.

404. And the node equipment of the block chain system generates a first creditor certificate according to the received creditor certificate generation request.

405. And the node equipment of the block chain system generates a first block based on the first creditor certificate.

406. And the node equipment of the block chain system acquires the authorization result of the first account, wherein the authorization result is used for representing the verification result of the first account on the first creditor certificate.

407. When the block chain system passes the consensus of the first block and the confirmation result indicates that the first creditor certificate passes the verification, the node equipment of the block chain system adds the first block to a block chain of the block chain system.

408. And the node equipment of the block chain system sends the first creditor certificate to the electronic equipment.

409. The electronic equipment receives the first creditor certificate sent by the block chain system.

Steps 401 to 409 are similar to steps 301 to 309, and the embodiment of the present invention is not described herein.

410. When the first claim transfer instruction is acquired, the electronic equipment sends a first claim transfer request to the block chain system.

The first creditor transfer request is used for instructing a block chain system to generate a second creditor voucher corresponding to the first creditor voucher based on the first creditor transfer request. The second creditor credential is used to represent transfer of a second virtual resource in the first virtual resource to a third account at a target time.

After the step 409, after the user obtains the first creditor credential, the user may also split and circulate the first virtual resource in the first creditor credential, that is, the user may transfer part or all of the first virtual resource to another user. For example, in a supply chain financial scenario, the electronic device may belong to a primary supplier, the primary supplier holds a first creditor certificate, the first virtual resource may refer to 100 ten thousand assets, and upon expiration, the core enterprise needs to pay the primary supplier for the 100 ten thousand assets, but before the 100 ten thousand assets expire, the primary supplier may also transfer some or all of the 100 ten thousand assets to a previous primary supplier, i.e., a secondary supplier. Certainly, the secondary supplier may also transfer the creditor credential held by the secondary supplier to the tertiary supplier, and so on, the creditor transfer scenario may be applied to a variety of scenarios, and here, it is described by taking as an example that the primary supplier transfers 50 ten thousand assets of 100 thousand assets to the secondary supplier, where the 50 ten thousand assets are the second virtual resource, and the third account is the account of the secondary supplier.

When the user wants to perform the credit right transfer, the first credit right transfer operation may be performed on the electronic device, and when the electronic device obtains the first credit right transfer instruction triggered by the first credit right transfer operation, the step 410 may be performed. Specifically, the first creditor transfer request may carry the first creditor credential or identification information of the first creditor credential, for example, a number of the first creditor credential, so that the block chain system may know that the first creditor transfer request is implemented based on the first creditor credential based on the first creditor transfer request.

Similar to the content in step 302, the first credit right transfer request may also carry information such as a target time, a second account, a second virtual resource, and a third account. Of course, the information of the first creditor certificate, the third account, the second virtual resource, and the like may also be carried, and the content carried in the first creditor transfer request is not limited in the embodiment of the present invention.

411. The node device of the blockchain system receives the first claim transfer request.

Similarly to step 303, in step 410, the electronic device may send the first claim transfer request to any node device in the block chain system, so that the received node device forwards the first claim transfer request, or the electronic device may send the first claim transfer request to a plurality of node devices, so that the plurality of node devices forwards the first claim transfer request.

In a possible implementation manner, similarly to the content in the step 303, in the step 410, the electronic device may send a request for generating a creditor credential to a device of the asset management platform, and the device of the asset management platform may forward the request for generating the creditor credential to other node devices in the blockchain system.

For example, the electronic device may be a device of a primary provider, and a worker of the primary provider may operate on the electronic device, so that the electronic device may send the first creditor transfer request to the asset management platform, and the device of the asset management platform may forward the creditor credential request to other node devices.

412. And the node equipment of the block chain system generates a second creditor certificate corresponding to the first creditor certificate according to the received first creditor transfer request.

The step 412 is similar to the step 304, and the process of generating the second creditor credential by the node device of the block chain system is similar to the process of generating the first creditor credential, it should be noted that the second creditor credential is the second creditor credential corresponding to the first creditor credential, and the second virtual resource in the second creditor credential is part or all of the first virtual resource in the first creditor credential. For example, the second creditor credential may represent that 100 million assets to be transferred from the second account of the primary supplier are transferred to the third account of the secondary supplier at the target time.

413. And the node equipment of the block chain system generates a second block based on the second creditor certificate and identifies the second block.

414. When the system of blockchains passes the consensus for the second block, the node device of the system of blockchains adds the second block to the blockchain of the system of blockchains.

The steps 413 and 414 are similar to the steps 305 and 306, the node device of the blockchain system generates the second block similarly to the generating process of the first block, the consensus process for the second block is similar to the consensus process for the first block, and the node device of the blockchain system can perform the authenticity check on the information of the second creditor certificate.

Since the account transferred from the resource in the second creditor credential is the second account, and the electronic device is a device corresponding to the second account, the block chain system may not need to send an authorization request to the electronic device to obtain an authorization result of the second account, and of course, in a possible implementation manner, the node device of the block chain system may also perform the step similar to the step 306 to obtain an authorization result of the second account, so as to perform the step 414 when the block chain system passes the second block consensus and the second creditor credential passes the verification. By checking the second creditor certificate in the above-mentioned step 413 and step 414, the authenticity and accuracy of the information of the second creditor certificate stored in the blockchain can also be ensured.

In one possible implementation, after this step 414, the node device of the block chain system sends a first creditor transfer success message to the electronic device. Accordingly, the electronic equipment receives the first creditor transfer success message sent by the block chain system. The first creditor transfer success message is used to inform that the second creditor credential has been successfully generated.

In one possible implementation, after the step 414, the node device of the blockchain system may further send the second creditor credential to a device corresponding to the third account. The device corresponding to the third account receives the second creditor certificate, and may also perform operations such as creditor transfer based on the second creditor certificate, and the process is the same as the above process, and details of the embodiment of the present invention are not repeated here.

The above steps 410 to 414 provide a case of transferring the claim, and actually there may be another case of transferring the claim, which can be specifically referred to the following steps 415 to 420.

415. And when the second claim transfer instruction is acquired, the electronic equipment sends a second claim transfer request to the block chain system.

The second credit transfer request is used for instructing the block chain system to generate a third credit voucher corresponding to the first credit voucher based on the second credit transfer request, and transfer a fourth virtual resource from a fourth account to the second account based on a third virtual resource in the third credit voucher.

After the electronic device acquires the first creditor certificate, partial or all creditors in the first creditor certificate can be transferred to other users, and the other users can transfer virtual resources to the second account at present. Of course, after step 414, the device corresponding to the third account may also interact with the blockchain system, and execute the corresponding steps in step 415 to step 420 to perform the above credit right transfer, which is only described in the case where the electronic device continues to perform the other credit right transfer.

Of course, the steps 415 to 420 may also be executed after the step 409, and the transfer of the creditor right in the steps 410 to 414 does not occur, or occurs after the processes of the steps 415 to 420, or both processes may also occur simultaneously, which is not limited in the embodiment of the present invention.

For example, in a supply chain financial scenario, after a primary supplier holds a first creditor voucher, a discount may also be performed, that is, the primary supplier may choose to transfer part or all of the first virtual resource in the first creditor voucher to a financial institution, and the financial institution may pay a certain amount of money to the primary supplier based on the transferred virtual resource. Of course, the financial institution may charge a discount fee, and thus the amount of funds the financial institution currently needs to pay may be less than the amount of virtual resources that the primary provider applies for the discount. For example, the financial institution may be a bank or a warranty company, and of course, the financial institution may also be another institution, which is not limited in this embodiment of the present invention.

For example, the primary supplier holds 100 million assets, the primary supplier transfers 50 million assets to the secondary supplier, and wants to cash out 20 million assets of the remaining 50 million assets, the primary supplier may transfer the 20 million assets to the warranty company, and the warranty company charges 1.4 ten thousand dollars for cash out or funds in the account may be transferred to the account of the primary supplier. The above-mentioned 100 ten thousand assets, 50 ten thousand assets and 20 ten thousand assets are virtual resources which can realize the redemption only when the first creditor certificate expires, and the 18.6 ten thousand yuan cash or funds in the account paid by the warranty company to the primary supplier are real funds.

416. The node device of the blockchain system receives the second claim transfer request.

Step 416 is similar to step 303 or step 411 described above, and the embodiment of the present invention is not described herein for further details.

417. And the node equipment of the block chain system generates a third creditor certificate corresponding to the first creditor certificate according to the received second creditor transfer request.

Wherein the third creditor credential is used to represent transfer of a third virtual resource of the first virtual resources to a fourth account at a target time. The step 417 is similar to the step 304 or the step 412, except that the generated third creditor voucher is different from the content of the first creditor voucher or the content of the second creditor voucher, and details of the embodiment of the present invention are not repeated herein. For example, still taking the supply chain financial scenario as an example, after obtaining the first creditor certificate of 100 ten thousand assets, the primary supplier wants to post 20 ten thousand assets therein, where the 20 ten thousand assets are the third virtual resource, and the fourth account is the account of the insurance company in step 415 above.

418. And the node equipment of the block chain system generates a third block based on the third creditor certificate and identifies the third block.

The step 418 is similar to the step 305 or the step 413, and the node device of the blockchain system may audit the content of the third creditor certificate based on the financial audit standard, which is not described herein in detail in the embodiment of the present invention.

419. When the block chain system passes the third block consensus, the node device of the block chain system acquires a confirmation instruction of the fourth account.

The node device of the blockchain system may obtain a confirmation instruction of the fourth account when it is determined that the content of the third creditor certificate meets the financial standard and the content of the third block is also accurate. The fourth account is the account to which the third virtual resource is to be transferred to at the target time in the third creditor certificate, and accordingly, the fourth account needs to be transferred to the second account for the fourth virtual resource, so that the confirmation of the fourth account can be passed.

Specifically, the process of obtaining the confirmation instruction of the fourth account in step 419 may be the same as the process of obtaining the right result of the first account in step 306, and in a possible implementation manner, the node device of the blockchain system may receive the confirmation instruction of the fourth account. In another possible implementation manner, the node device of the blockchain system may receive the validation file of the fourth account, analyze the validation file, and obtain the validation file of the fourth account.

For example, the fourth account may be an account of a warranty company, and when the blockchain system passes the consensus of the third block, the blockchain system may send a confirmation request to a device of the warranty company, and a staff of the warranty company confirms whether to pay the fourth virtual resource, so that an approval operation or a rejection operation may be performed, and if the approval operation is performed, the device of the warranty company may send the confirmation instruction to the blockchain system. Of course, if it is a denial, the warranty company's facility may send the denial to the blockchain system. In one possible implementation, the resource transfer process is implemented based on a financial institution or a fund payment agency, and the staff member may confirm whether the virtual resource in the account is greater than or equal to the fourth virtual resource, and if yes, may perform the approval operation. If the result of the confirmation is negative, the worker can transfer enough virtual resources to the account first, and then perform the above-mentioned approval operation.

420. And the node equipment of the blockchain system adds the third block to the blockchain of the blockchain system based on the confirmation instruction, and transfers a fourth virtual resource from the fourth account to the second account, wherein the fourth virtual resource is determined based on the third virtual resource.

After receiving the confirmation instruction, the node device of the block chain system may confirm that the credit right transfer process may be performed normally, so that the third block may be added to the block chain, and the transfer of the fourth virtual resource may be performed. Where the fourth virtual resource may be determined based on the third virtual resource, for example, if 20 ten thousand assets are to be posted, the warranty company may transfer 18.6 thousand cash or funds in the account.

In one possible implementation, after this step 420, the node device of the block chain system may send a second creditor transfer success message to the electronic device. Accordingly, the electronic device may receive the second credit right transfer success message sent by the block chain system. The second creditor transfer success message is used to inform that the third creditor credential has been successfully generated.

In a specific possible embodiment, after the step 420, the node device of the blockchain system sends a resource transfer success message to the electronic device. Accordingly, the electronic device receives a resource transfer success message, which is sent when a fourth virtual resource has been transferred from the fourth account into the second account. Thus, the electronic device can know that the right to debt is successfully transferred to the fourth account and the corresponding money is transferred to the account.

In one possible implementation, after this step 420, the node device of the blockchain system may further send a third creditor credential to a device corresponding to the fourth account. Accordingly, the device corresponding to the fourth account may receive the third creditor credential, and of course, the device corresponding to the fourth account may perform any one of the above creditor transfer processes on the third creditor credential in the following, which is not described herein in detail in the embodiments of the present invention.

It should be noted that, the situations of step 410 to step 414 and the situations of step 415 to step 420 may occur at the same time, or may not occur, or may only occur, and the occurring situations may also include different scenes that occur once or more.

421. And when the system time is the target time and the second account comprises the first virtual resource, the node equipment of the block chain system sends a resource transfer request to the target equipment, and the target equipment transfers the resource to the associated account of the first creditor certificate.

Wherein the resource transfer request is used for resource transfer to the associated account of the first creditor credential. The target device is used for providing the resource transfer service, and specifically, the target device may belong to a financial institution or other institution having a contractual relationship with the financial institution, for example, an institution for providing a fund payment service, and the like, which is not limited by the embodiment of the present invention. Of course, the target device may also be a node device in the blockchain system, or may also be an electronic device outside the blockchain system, which is not limited in the embodiment of the present invention.

In the above steps 401 to 420, the first creditor credential is generated, and other creditor credentials corresponding to the first creditor credential, for example, the second creditor credential or the third creditor credential, may also be generated, and the expiration times of the one or more creditor credentials are all target times, and when the system time is the target time, the resource transfer may be performed based on the one or more creditor credentials.

In a possible implementation manner, an account table may be stored in the node device of the block chain system, specifically, each node device may store an account table, or one node device may store an account table, which is not limited in this embodiment of the present invention. And at the target time, when the second account comprises the first virtual resource, the second account meets the resource transfer condition and can pay the first virtual resource, so that the node device can send a resource transfer request to the target device, and the target device performs resource transfer on the associated account of the first credentialing voucher. The associated account of the first creditor credential may include the first account and the second account in the first creditor credential, may also include the third account in the second creditor credential, and may also include the fourth account in the third creditor credential.

For example, if the resource transfer process is implemented based on a funding agency, the node device may determine the virtual resource in the second account in the funding agency, and determine whether the virtual resource is greater than or equal to the first virtual resource, and upon determining that the virtual resource is greater than or equal to the first virtual resource, the step 421 may be performed, and if the virtual resource is determined to be less than the first virtual resource, a virtual resource shortage message may be sent to the electronic device to prompt the electronic device to replenish the virtual resource in the second account.

In step 421, the target device may perform resource transfer on the associated account of the first creditor credential based on the first creditor credential and other creditor credentials corresponding to the first creditor credential. The first creditor voucher and other creditor vouchers corresponding to the first creditor voucher can be obtained by the target device from a creditor voucher information base. Of course, the obtaining process may also adopt the checking mechanism provided in the step 307, and the embodiment of the present invention is not described herein. After the target device performs resource transfer, the target device may also send a resource transfer result to the blockchain system, and accordingly, the node device of the blockchain system receives the resource transfer result sent by the target device.

For the resource transfer, the resource transfer request may carry a target resource transfer condition of the account associated with the first creditor credential, and an acquisition process of the target resource transfer condition may be: and acquiring the target resource transfer condition of the associated account of the first creditor certificate based on the first creditor certificate and other creditor certificates corresponding to the first creditor certificate. Therefore, the target device can perform resource transfer on the associated account by the target device based on the target resource transfer condition carried by the resource transfer request. For example, the virtual resources to be transferred out or into each associated account can be determined according to the first bond voucher and the corresponding other bond vouchers, so that the resource transfer is not required to be completed in one step according to each bond voucher, the time required by the resource transfer process can be effectively reduced, and the resource transfer efficiency is improved.

In a possible implementation manner, the process of obtaining the target resource transfer condition of the associated account of the first creditor credential based on the first creditor credential and other creditor credentials corresponding to the first creditor credential may be implemented based on a first system. The first system has an asset clearing function and can acquire the target resource transfer condition. The first system may be a system on the node device, or may also be a system on the target device, for example, the first system may be an asset clearing component on the node device, or may also be an asset clearing component on the resource transfer device, which is not limited in this embodiment of the present invention.

Specifically, the process of obtaining the target resource transfer condition of the associated account of the first creditor credential may be implemented based on an internal system of the node device, based on the first creditor credential and other creditor credentials corresponding to the first creditor credential. The node device may first execute the other creditor credentials corresponding to the first creditor credential and the first creditor credential to obtain a target resource transfer condition of the account associated with the first creditor credential, where the resource transfer request carries the target resource transfer condition, and the target device executes a subsequent resource transfer step. The embodiment of the present invention does not limit what specific implementation manner is adopted. In another possible implementation manner, the resource transfer request may not need to carry the target resource transfer condition, and the target device may obtain the target resource transfer condition of the associated account of the first creditor credential based on the first creditor credential and the other creditor credentials corresponding to the first creditor credential, which may be implemented based on an internal system of the target device.

422. And the node equipment of the block chain system generates a fourth block based on the resource transfer result sent by the target equipment, and adds the fourth block to the block chain.

After the resource transfer is successful or failed, the target device may write data into the blockchain system, that is, the target device may send the resource transfer result to the blockchain system, and the node device of the blockchain system may generate a fourth block and add the fourth block to the blockchain. Of course, this process may also include a broadcast, consensus process for the fourth tile, which is added to the blockchain when the blockchain system passes the consensus for the fourth tile.

In one possible implementation, after this step 422, the node device of the blockchain system may send an account resource update message to the electronic device. Accordingly, the electronic device may receive an account resource update message, where the account resource update message is sent by the blockchain system after resource transfer is performed on the second account at the target time. The account resource update message is used for informing the change situation of the virtual resource in the second account.

After the target device performs the resource transfer, a bill can be generated, so that the bill is used as a credential for the resource transfer. Specifically, the target device may obtain a signature of the associated account, and generate a bill associated with the first creditor credential based on the result of the resource transfer and the signature of the associated account. In a possible implementation manner, the bill generation process may be implemented based on a second internal system of the target device, where the second internal system may be an electronic sealing system, and a signature of each organization is stored in the electronic sealing system, where the signature may be a CA certificate or other information for uniquely identifying each organization.

After the target device generates the bill, the bill may also be sent to the blockchain system, and accordingly, the node device of the blockchain system may receive the bill sent by the target device, where the bill includes the result of the resource transfer and the signature of the associated account. The node device of the blockchain system stores the bill into a target address, which is used to provide bill storage services. Thus, the associated account does not need to go to the target device to obtain the bill, and the bill can be obtained in the target address. For example, the target address may be a File Transfer Protocol (FTP) address provided by the asset management platform. Both the core enterprise and the provider can access the FTP address to obtain the bills in the FTP address.

In a possible implementation manner, the bill may have a certain naming rule, where the naming rule may be preset by a related technician, and after the bill is acquired by the node device of the block chain system, the bill may be associated with the creditor credential corresponding to the bill or the bill may be associated with the information of the creditor credential corresponding to the bill based on the naming rule of the bill.

And subsequently, if the user wants to download the bill, the electronic device can acquire the bill corresponding to the first creditor certificate from the target address, and the bill comprises a resource transfer result based on the first creditor certificate and a signature of an associated account of the first creditor certificate.

According to the embodiment of the invention, after the first creditor certificate is generated, the first creditor certificate can be authenticated through the creditor account corresponding to the first creditor certificate, if the authentication result indicates that the first creditor certificate is true and valid, the information of the first creditor certificate can be added to the block chain, and the information can be verified and confirmed before being written into the block chain, instead of being directly written into the block chain by a device, so that the authenticity and accuracy of the information to be added to the block chain are improved, and the information on the block chain cannot be tampered, so that the authenticity and accuracy of the information on the block chain can be effectively ensured. Further, after the second creditor certificate or the third creditor certificate is generated, before the information of the second creditor certificate or the third creditor certificate is written into the block chain, the creditee account confirms the information of the second creditor certificate or the third creditor certificate, and therefore the authenticity and the accuracy of the information to be added to the block chain are improved.

The flow of the creditor credential generation method in the embodiments shown in fig. 3 and fig. 4 has been described in detail, and the following describes the flow and a scenario that may also occur in the flow by using a specific example. In the embodiment of the present invention, a primary supplier (S1) applies for a creditor certificate of a core enterprise, and transfers part of assets to a secondary supplier (S2), and the secondary supplier takes the current state of the part of assets as an example for description, but if there are further tertiary suppliers, the creditor generation process is the same as the following process, and details are not repeated here. As shown in fig. 5, a primary supplier (corresponding to the electronic device) may apply 100 ten thousand digital assets (corresponding to the first creditor certificate) to an asset gateway (corresponding to the node device of the blockchain system), where the 100 ten thousand digital assets may be assets that are held until due and cannot be paid currently, for example, due at a time in the future. The asset gateway may audit the 100 ten thousand digital assets according to an audit standard of the bidding fusion organization, may transfer the process flow to the core enterprise for authorization after verifying the authenticity of the trade, and may add the block including the 100 ten thousand digital assets to the block chain, that is, issue the 100 ten thousand digital assets after the authorization of the core enterprise. Wherein, the process of issuing 100 ten thousand digital assets corresponds to the above steps 301 to 309, or steps 401 to 409. Certainly, the primary provider may also invoice and send the invoice to the core enterprise on line, and the core enterprise issues the authorization confirming function, which is an offline authorization confirming process, and after the asset gateway is applied, the authorization confirming process may also be continued between the provider and the core enterprise, which of course may not be required to be performed again, which is not limited in the embodiment of the present invention.

After the primary supplier obtains 100 million digital assets, 50 of the 100 million digital assets may be transferred to the secondary supplier, and the transfer process may be described above in steps 410 through 414. After the secondary supplier obtains 50 ten thousand digital assets and wants to cash out 20 ten thousand digital assets, the secondary supplier applies to the warranty company for cash out 20 ten thousand digital assets, and the cash out process can be seen in the steps 415 to 420. Because the warranty company can charge a certain discount fee in the discount process, the staff of the warranty company can confirm whether the balance of the warranty company in the fund payment application is greater than or equal to 18.6 ten thousand, and the other 1.4 ten thousand is the discount fee. In the event that the balance is confirmed to be sufficiently paid, if an approval is made, the surreptitious funds payment application may be triggered to provide surreptitious funds payment services to the secondary supplier for a transfer of 18.6 tens of thousands, the warranty firm also having access to the 20-million digital assets.

When the digital asset expiration time is reached, the fund payment substitute application determines that the balance of the account of the core enterprise is greater than or equal to 100 ten thousand digital assets, and may automatically perform fund liquidation according to an asset liquidation result in the asset gateway, where the asset liquidation result may also be calculated by the fund payment substitute application, and the fund payment substitute application may be an application of the fund payment substitute institution for providing the fund payment substitute service, which is not limited in the embodiment of the present invention. The process of clearing the funds may be implemented by a special account opened by the core enterprise in the funds transfer application. Obviously, in the embodiment of the present invention, through the asset clearing, the core enterprise needs to transfer 100 ten thousand digital assets out, 50 ten thousand of the 100 ten thousand digital assets need to be transferred into the account of the primary supplier, 30 ten thousand digital assets need to be transferred into the secondary supplier, and 20 ten thousand digital assets need to be transferred into the warranty company.

According to the invention, through the asset gateway auditing system, the cochain assets are audited according to the auditing standard of the standard financial institution, the cochain assets are transferred to a core enterprise for confirmation after the trade authenticity is verified, and then the assets are issued after the confirmation, so that the authenticity of the cochain assets can be ensured, and the block chain system can ensure the non-tamper property of the data on the chain, thereby realizing the real credibility and multi-party co-treatment of the whole life cycle under the supply chain finance reverse guarantee mode.

Fig. 6 is a schematic structural diagram of a creditor credential generating apparatus provided in an embodiment of the present invention, where the apparatus is applied to a node device in a block chain system, and referring to fig. 6, the apparatus includes:

a generating module 601, configured to generate a first creditor credential according to a received creditor credential generation request, where the first creditor credential is used to indicate that a first virtual resource in a first account is transferred to a second account at a target time;

the generating module 601 is further configured to generate a first block based on the first creditor certificate;

an obtaining module 602, configured to obtain an authorization result of the first account, where the authorization result is used to indicate a verification result of the first account on the first creditor credential;

an adding module 603, configured to add the first block to the blockchain of the blockchain system when the blockchain system passes the consensus of the first block and the right confirmation result indicates that the first creditor credential passes the verification.

In one possible implementation, the apparatus further includes:

the first storage module is used for storing the first creditor certificate into a creditor certificate information base when the block chain system agrees with the first block and the right confirmation result indicates that the first creditor certificate passes verification.

In a possible implementation manner, the obtaining module 602 is further configured to obtain the first creditor credential in the creditor credential information base when receiving a obtaining instruction of the first creditor credential;

the device also includes:

the calculation module is used for carrying out hash calculation on the first creditor certificate to obtain a hash value of the first creditor certificate;

the comparison module is used for comparing the hash value of the first creditor certificate with the hash value stored in the first block;

and the first sending module is used for sending an acquisition failure message when the hash value of the first creditor certificate is different from the stored hash value, wherein the acquisition failure message is used for informing that the first creditor certificate in the creditor certificate information base is changed.

In one possible implementation, the apparatus further includes:

a discarding module, configured to discard the first creditor credential and the first block when the block chain system does not agree with the first block or the authorization result indicates that the first creditor credential does not agree with the first block.

In one possible implementation, the apparatus further includes:

and the second sending module is used for sending a generation failure message when the block chain system does not pass the consensus of the first block or the right confirmation result indicates that the first creditor certificate does not pass the verification.

In one possible implementation, the obtaining module 602 is configured to: receiving the result of the first account; or, receiving the authorization file of the first account, analyzing the authorization file, and obtaining the authorization result of the first account.

In a possible implementation manner, the generating module 601 is further configured to generate, according to the received first creditor transfer request, a second creditor credential corresponding to the first creditor credential, where the second creditor credential is used to indicate that a second virtual resource in the first virtual resource is transferred to a third account at a target time;

the generating module 601 is further configured to generate a second block based on the second creditor certificate, and perform consensus on the second block;

the adding module 603 is further configured to add the second block to the blockchain of the blockchain system when the blockchain system passes the consensus on the second block.

In a possible implementation manner, the generating module 601 is further configured to generate a third creditor credential corresponding to the first creditor credential according to the received second creditor transfer request, where the third creditor credential is used to indicate that a third virtual resource in the first virtual resource is transferred to a fourth account at a target time;

the generating module 601 is further configured to generate a third block based on the third creditor certificate, and perform consensus on the third block;

the obtaining module 602 is further configured to obtain a confirmation instruction of the fourth account when the block chain system passes the third block consensus;

the adding module 603 is further configured to add the third block to the blockchain of the blockchain system based on the confirmation instruction, and transfer a fourth virtual resource determined based on the third virtual resource from the fourth account to the second account.

In one possible implementation, the apparatus further includes:

and a third sending module, configured to send a resource transfer request to the target device when the system time is the target time and the second account includes the first virtual resource, where the resource transfer request is used to perform resource transfer on the account associated with the first creditor credential.

In a possible implementation manner, the obtaining module 602 is further configured to obtain a target resource transfer condition of an associated account of the first creditor credential based on the first creditor credential and other creditor credentials corresponding to the first creditor credential;

correspondingly, the sending module is configured to send a resource transfer request to the target device, and the target device transfers the resource to the associated account based on the target resource transfer condition carried in the resource transfer request.

In a possible implementation manner, the adding module 603 is further configured to generate a fourth block based on the resource transfer result sent by the target device, and add the fourth block to the block chain.

In one possible implementation, the apparatus further includes:

a receiving module, configured to receive a bill sent by the target device, where the bill includes a result of resource transfer and a signature of the associated account;

and the second storage module is used for storing the bill into a target address, and the target address is used for providing bill storage service.

According to the device provided by the embodiment of the invention, after the first creditor certificate is generated, the first creditor certificate can be authenticated through the creditor account corresponding to the first creditor certificate, if the authentication result indicates that the first creditor certificate is true and valid, the information of the first creditor certificate can be added to the block chain, and the information can be verified and confirmed before being written into the block chain instead of being directly written into the block chain by a device, so that the authenticity and the accuracy of the information to be added to the block chain are improved, and the information on the block chain cannot be tampered, so that the authenticity and the accuracy of the information on the block chain can be effectively ensured.

It should be noted that: the creditor credential generating device provided in the above embodiment is only illustrated by the division of the functional modules when generating the creditor credential, and in practical applications, the function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the creditor credential generation apparatus and the creditor credential generation method provided in the above embodiments belong to the same concept, and specific implementation processes thereof are detailed in the method embodiments and will not be described herein again.

Fig. 7 is a schematic structural diagram of a creditor credential generating device according to an embodiment of the present invention, and referring to fig. 7, the device includes:

an obtaining module 701, configured to obtain a creditor credential generation instruction, where the creditor credential generation instruction is used to generate a first creditor credential, where the first creditor credential is used to indicate that a first virtual resource in a first account is transferred to a second account at a target time;

a sending module 702, configured to send a creditor credential generation request to a blockchain system according to the creditor credential generation instruction, where the blockchain system obtains an authorization confirmation result of the first account, and generates a first creditor credential according to the authorization confirmation result;

the receiving module 703 is configured to receive the first creditor certificate sent by the blockchain system.

In one possible implementation, the obtaining module 701 is further configured to: receiving the result of the first account; or, receiving the authorization file of the first account, analyzing the authorization file, and obtaining the authorization result of the first account.

In a possible implementation manner, the receiving module 703 is further configured to receive a generation failure message, where the generation failure message is sent by the blockchain system when the first block consensus corresponding to the first creditor credential fails or the right confirmation result indicates that the first creditor credential fails to be verified.

In a possible implementation manner, the sending module 702 is further configured to send a first creditor transfer request to the block chain system when a first creditor transfer instruction is obtained, and generate, by the block chain system, a second creditor credential corresponding to the first creditor credential based on the first creditor transfer request, where the second creditor credential is used to indicate that a second virtual resource in the first virtual resource is transferred to a third account at a target time;

the receiving module 703 is further configured to receive a first credit transfer success message sent by the blockchain system.

In a possible implementation manner, the sending module 702 is further configured to send a second credit right transfer request to the block chain system when a second credit right transfer instruction is obtained, the block chain system generates, based on the second credit right transfer request, a third credit right voucher corresponding to the first credit right voucher, and transfers, based on a third virtual resource in the third credit right voucher, a fourth virtual resource from a fourth account to the second account;

the receiving module 703 is further configured to receive a second credit right transfer success message sent by the blockchain system;

the receiving module 703 is further configured to receive a resource transfer success message, where the resource transfer success message is sent when a fourth virtual resource has been transferred from the fourth account to the second account;

wherein the third creditor credential is used to represent transfer of a third virtual resource of the first virtual resources to the fourth account at a target time.

In a possible implementation manner, the receiving module 703 is further configured to receive an account resource update message, where the account resource update message is sent by the blockchain system after resource transfer is performed on the second account at a target time.

In a possible implementation manner, the obtaining module 701 is further configured to obtain, from a target address, a bill corresponding to the first creditor credential, where the bill includes a result of resource transfer based on the first creditor credential and a signature of an associated account of the first creditor credential.

The electronic device may be provided as a terminal shown in fig. 8 described below, or may be provided as a server shown in fig. 9 described below, which is not limited in this embodiment of the present invention.

Fig. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention. The terminal 800 may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3), an MP4 player (Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4), a notebook computer, or a desktop computer. The terminal 800 may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

In general, the terminal 800 includes: a processor 801 and a memory 802.

The processor 801 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 801 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 801 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 801 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 801 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 802 may include one or more computer-readable storage media, which may be non-transitory. Memory 802 may also include high speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 802 is used to store at least one instruction for execution by processor 801 to implement the creditor credential generation method provided by method embodiments of the present invention.

In some embodiments, the terminal 800 may further include: a peripheral interface 803 and at least one peripheral. The processor 801, memory 802 and peripheral interface 803 may be connected by bus or signal lines. Various peripheral devices may be connected to peripheral interface 803 by a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 804, a touch screen display 805, a camera 806, an audio circuit 807, a positioning component 808, and a power supply 809.

The peripheral interface 803 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 801 and the memory 802. In some embodiments, the processor 801, memory 802, and peripheral interface 803 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 801, the memory 802, and the peripheral interface 803 may be implemented on separate chips or circuit boards, which are not limited by this embodiment.

The Radio Frequency circuit 804 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 804 communicates with communication networks and other communication devices via electromagnetic signals. The rf circuit 804 converts an electrical signal into an electromagnetic signal to be transmitted, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 804 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 804 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 804 may further include NFC (Near Field Communication) related circuits, which are not limited in the present disclosure.

The display screen 805 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display 805 is a touch display, the display 805 also has the ability to capture touch signals on or above the surface of the display 805. The touch signal may be input to the processor 801 as a control signal for processing. At this point, the display 805 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 805 may be one, providing the front panel of the terminal 800; in other embodiments, the display 805 may be at least two, respectively disposed on different surfaces of the terminal 800 or in a folded design; in still other embodiments, the display 805 may be a flexible display disposed on a curved surface or a folded surface of the terminal 800. Even further, the display 805 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display 805 can be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and other materials.

The camera assembly 806 is used to capture images or video. Optionally, camera assembly 806 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 806 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuit 807 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 801 for processing or inputting the electric signals to the radio frequency circuit 804 to realize voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones may be provided at different portions of the terminal 800. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 801 or the radio frequency circuit 804 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 807 may also include a headphone jack.

The positioning component 808 is used to locate the current geographic position of the terminal 800 for navigation or LBS (Location Based Service). The Positioning component 808 may be a Positioning component based on the GPS (Global Positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

Power supply 809 is used to provide power to various components in terminal 800. The power supply 809 can be ac, dc, disposable or rechargeable. When the power source 809 comprises a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 800 also includes one or more sensors 810. The one or more sensors 810 include, but are not limited to: acceleration sensor 811, gyro sensor 812, pressure sensor 813, fingerprint sensor 814, optical sensor 815 and proximity sensor 816.

The acceleration sensor 811 may detect the magnitude of acceleration in three coordinate axes of the coordinate system established with the terminal 800. For example, the acceleration sensor 811 may be used to detect the components of the gravitational acceleration in three coordinate axes. The processor 801 may control the touch screen 805 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 811. The acceleration sensor 811 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 812 may detect a body direction and a rotation angle of the terminal 800, and the gyro sensor 812 may cooperate with the acceleration sensor 811 to acquire a 3D motion of the user with respect to the terminal 800. From the data collected by the gyro sensor 812, the processor 801 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

Pressure sensors 813 may be disposed on the side bezel of terminal 800 and/or underneath touch display 805. When the pressure sensor 813 is disposed on the side frame of the terminal 800, the holding signal of the user to the terminal 800 can be detected, and the processor 801 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 813. When the pressure sensor 813 is disposed at a lower layer of the touch display screen 805, the processor 801 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 805. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 814 is used for collecting a fingerprint of the user, and the processor 801 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 814, or the fingerprint sensor 814 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, the processor 801 authorizes the user to perform relevant sensitive operations including unlocking a screen, viewing encrypted information, downloading software, paying for and changing settings, etc. Fingerprint sensor 814 may be disposed on the front, back, or side of terminal 800. When a physical button or a vendor Logo is provided on the terminal 800, the fingerprint sensor 814 may be integrated with the physical button or the vendor Logo.

The optical sensor 815 is used to collect the ambient light intensity. In one embodiment, the processor 801 may control the display brightness of the touch screen 805 based on the ambient light intensity collected by the optical sensor 815. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 805 is increased; when the ambient light intensity is low, the display brightness of the touch display 805 is turned down. In another embodiment, the processor 801 may also dynamically adjust the shooting parameters of the camera assembly 806 based on the ambient light intensity collected by the optical sensor 815.

A proximity sensor 816, also known as a distance sensor, is typically provided on the front panel of the terminal 800. The proximity sensor 816 is used to collect the distance between the user and the front surface of the terminal 800. In one embodiment, when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 gradually decreases, the processor 801 controls the touch display 805 to switch from the bright screen state to the dark screen state; when the proximity sensor 816 detects that the distance between the user and the front surface of the terminal 800 becomes gradually larger, the processor 801 controls the touch display 805 to switch from the screen-on state to the screen-on state.

Those skilled in the art will appreciate that the configuration shown in fig. 8 is not intended to be limiting of terminal 800 and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

Fig. 9 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 900 may generate relatively large differences due to different configurations or performances, and may include one or more processors (CPUs) 901 and one or more memories 902, where the memory 902 stores at least one instruction, and the at least one instruction is loaded and executed by the processors 901 to implement the creditor credential generation method provided by the foregoing method embodiments. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, a computer-readable storage medium, such as a memory, including instructions executable by a processor to perform the creditor credential generation method in the above embodiments is also provided. For example, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical information storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only exemplary of the present invention and should not be taken as limiting the invention, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A creditor certificate generation method is applied to a node device in a block chain system, and comprises the following steps:

generating a first creditor voucher according to a creditor voucher generation request submitted by equipment of a second account, wherein the first creditor voucher is used for indicating that a first virtual resource in the first account is transferred to the second account at a target time;

generating a first block based on the first creditor certificate;

sending a right confirmation request to a first device, wherein the right confirmation request is used for confirming the authenticity of the first creditor certificate, and the first device is a device of the first account;

receiving an authorization result of the first account; or, receiving the authorization file of the first account, and comparing the authorization file with the information in the first creditor certificate to obtain an authorization result of the first account; the right confirmation result is used for representing a verification result of the first account on the first creditor certificate;

when the block chain system passes the consensus on the first block and the right confirmation result indicates that the first creditor certificate passes the verification, adding the first block to a block chain of the block chain system;

wherein the node device and the devices of the second account and the first device are all different devices.

2. The method of claim 1, wherein receiving an authorization result for the first account; or, after receiving the authorization file of the first account, comparing the authorization file with the information in the first creditor certificate, and obtaining the authorization result of the first account, the method further includes:

when the block chain system passes the consensus of the first block and the right confirmation result indicates that the first creditor voucher passes the verification, the first creditor voucher is stored in a creditor voucher information base.

3. The method of claim 2, further comprising:

when an acquisition instruction of the first creditor certificate is received, acquiring the first creditor certificate in the creditor certificate information base;

performing hash calculation on the first creditor certificate to obtain a hash value of the first creditor certificate;

comparing the hash value of the first creditor credential with the hash value stored in the first block;

and when the hash value of the first creditor certificate is different from the stored hash value, sending an acquisition failure message, wherein the acquisition failure message is used for informing that the first creditor certificate in the creditor certificate information base is changed.

4. The method of claim 1, wherein receiving an authorization result for the first account; or, after receiving the authorization file of the first account, comparing the authorization file with the information in the first creditor certificate, and obtaining the authorization result of the first account, the method further includes:

discarding the first creditor credential and the first block when the block chain system does not agree with the first block or the result of the authentication indicates that the first creditor credential is not verified.

5. The method of claim 1, wherein receiving an authorization result for the first account; or, after receiving the authorization file of the first account, comparing the authorization file with the information in the first creditor certificate, and obtaining the authorization result of the first account, the method further includes:

and sending a generation failure message when the block chain system does not pass the consensus of the first block or the right confirmation result indicates that the first creditor certificate does not pass the verification.

6. The method of claim 1, further comprising:

generating a second creditor certificate corresponding to the first creditor certificate according to the received first creditor transfer request, wherein the second creditor certificate is used for indicating that a second virtual resource in the first virtual resource is transferred to a third account at a target time;

generating a second block based on the second creditor certificate, and performing consensus on the second block;

when the block chain system passes the consensus of the second block, adding the second block to the block chain of the block chain system.

7. The method of claim 1, further comprising:

generating a third creditor certificate corresponding to the first creditor certificate according to the received second creditor transfer request, wherein the third creditor certificate is used for indicating that a third virtual resource in the first virtual resource is transferred to a fourth account at a target time;

generating a third block based on the third creditor certificate, and performing consensus on the third block;

when the block chain system passes the third block consensus, acquiring a confirmation instruction of the fourth account;

adding the third block to the block chain of the block chain system based on the confirmation instruction, and transferring a fourth virtual resource from the fourth account to the second account, wherein the fourth virtual resource is determined based on a third virtual resource.

8. A creditor credential generation method, performed by a device of a second account, the method comprising:

sending a creditor certificate generation request to a blockchain system according to the creditor certificate generation instruction, and sending an authorization confirmation request to a first device by a node device in the blockchain system, wherein the authorization confirmation request is used for confirming the authenticity of the first creditor certificate, and the first device is a device of the first account; receiving an authorization result of the first account; or, receiving the authorization file of the first account, comparing the information in the authorization file with the information in the first creditor certificate to obtain an authorization result of the first account, and generating a first creditor certificate according to the authorization result;

receiving a first creditor certificate sent by the block chain system;

9. The method of claim 8, further comprising:

when a first creditor transfer instruction is acquired, sending a first creditor transfer request to the block chain system, and generating, by the block chain system, a second creditor voucher corresponding to the first creditor voucher based on the first creditor transfer request, where the second creditor voucher is used for indicating that a second virtual resource in the first virtual resource is transferred to a third account at a target time;

and receiving a first creditor transfer success message sent by the block chain system.

10. The method of claim 8, further comprising:

when a second credit right transfer instruction is acquired, sending a second credit right transfer request to the block chain system, generating a third credit right voucher corresponding to the first credit right voucher by the block chain system based on the second credit right transfer request, and transferring a fourth virtual resource from a fourth account to the second account based on a third virtual resource in the third credit right voucher;

receiving a second creditor transfer success message sent by the block chain system;

receiving a resource transfer success message, the resource transfer success message being sent when a fourth virtual resource has been transferred from the fourth account into the second account;

11. An apparatus for generating creditor credentials, the apparatus being applied to a node device in a block chain system, the apparatus comprising:

the generating module is used for generating a first creditor voucher according to a creditor voucher generating request submitted by equipment of a second account, wherein the first creditor voucher is used for indicating that a first virtual resource in the first account is transferred to the second account at a target time;

an obtaining module, configured to send an authorization request to a first device, where the authorization request is used to determine authenticity of the first creditor credential, and the first device is a device of the first account; receiving an authorization result of the first account; or, receiving the authorization file of the first account, and comparing the information in the authorization file and the first creditor certificate to obtain an authorization result of the first account, where the authorization result is used to indicate a verification result of the first account on the first creditor certificate;

and an adding module, configured to add the first block to the blockchain of the blockchain system when the blockchain system passes the consensus on the first block and the right confirmation result indicates that the first creditor credential passes the verification, where the node device, the device of the second account, and the first device are all different devices.

12. An apparatus for generating creditor credentials, the apparatus comprising:

a sending module, configured to send a creditor credential generation request to a blockchain system according to the creditor credential generation instruction, and send a right confirmation request to a first device by a node device in the blockchain system, where the right confirmation request is used to determine authenticity of the first creditor credential, and the first device is a device of the first account; receiving an authorization result of the first account; or, receiving the authorization file of the first account, comparing the information in the authorization file with the information in the first creditor certificate to obtain an authorization result of the first account, generating a first creditor certificate according to the authorization result, wherein the device sending the request for generating the creditor certificate is the device of the second account;

a receiving module, configured to receive a first creditor credential sent by the blockchain system, where the node device, the device of the second account, and the first device are all different devices.

13. An electronic device, comprising a processor and a memory, wherein the memory stores at least one instruction, and the instruction is loaded and executed by the processor to implement the operations performed by the creditor credential generation method according to any one of claims 1 to 7; or the operations performed by the creditor credential generation method of any one of claims 8 to 10.

14. A computer-readable storage medium having at least one instruction stored therein, the instruction being loaded and executed by a processor to implement the operations performed by the creditor credential generation method of any one of claims 1 to 7; or the operations performed by the creditor credential generation method of any one of claims 8 to 10.