CN110275925B

CN110275925B - Virtual resource allocation method and device based on block chain

Info

Publication number: CN110275925B
Application number: CN201910468799.XA
Authority: CN
Inventors: 李敏; 朱海伟
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-05-31
Filing date: 2019-05-31
Publication date: 2023-01-20
Anticipated expiration: 2039-05-31
Also published as: CN110275925A

Abstract

One or more embodiments of the present specification provide a virtual resource allocation method and apparatus based on a block chain, where the method includes: the trading platform node equipment receives a resource postponed transfer application sent by the resource occupier client; acquiring a resource deferred transfer contract negotiated by the resource demander client and the resource occupier client, wherein the resource deferred transfer contract comprises a first quantity and a first time limit of the resource occupier occupying the virtual resource of the resource demander based on the target order; sending a first evidence-storing transaction to the blockchain, wherein the first evidence-storing transaction comprises evidence-storing data of the resource postponement transfer contract; the resource provider node equipment acquires a resource allocation application sent by the resource demander client and acquires the first deposit transaction from a distributed database of the block chain; resource allocation logic is executed that is declared by the resource allocation contract.

Description

Virtual resource allocation method and device based on block chain

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for allocating virtual resources based on a block chain.

Background

Virtual resource allocation is a common concept in the technical field of computer application, and may refer to allocation of virtual resources within one device or resource scheduling among multiple devices. In these application scenarios, the "resources" are often limited, the demand of the resource requester on the resources may be greater than the total amount of the resources actually owned by the resource requester, while the resource provider still may have a large amount of "idle" resources; therefore, how to reasonably schedule the 'idle' resources of the resource provider so as to improve the resource utilization rate as much as possible is an important direction concerned by researchers.

The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.

Disclosure of Invention

In view of this, one or more embodiments of the present specification provide a method, an apparatus, and a computer device for allocating virtual resources based on a block chain.

To achieve the above object, one or more embodiments of the present disclosure provide the following technical solutions:

according to a first aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

the trading platform node equipment receives a resource deferred transfer application sent by the resource occupier client;

the trading platform node equipment acquires a resource deferred transfer contract negotiated by the resource demander client and the resource occupier client, wherein the resource deferred transfer contract comprises a first quantity and a first time limit for occupying the resource demander virtual resource by the resource occupier based on the target order;

the transaction platform node equipment sends a first deposit transaction to the blockchain, wherein the first deposit transaction comprises deposit data of the resource deferred transfer contract;

the resource provider node equipment acquires a resource allocation application sent by the resource demander client and acquires the first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, which is used for proving that the resource occupying party does not transfer the first amount of virtual resources to the resource requiring party within the first period;

upon verifying the resource allocation application based on the first credentialing transaction, the resource provider node device executes the resource allocation logic of the resource allocation contract statement to the resource consumer node device.

According to a second aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

acquiring a resource deferred transfer contract negotiated by the resource demander client and the resource occupier client, wherein the resource deferred transfer contract comprises a first quantity and a first time limit of the resource occupier occupying the virtual resource of the resource demander based on the target order;

sending a first vouching transaction to the blockchain, wherein the first vouching transaction comprises vouching data of the resource deferred transfer contract.

According to a third aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

the resource provider node equipment acquires a resource allocation application sent by the resource demander client and acquires a first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, and the non-transfer certification data is used for proving that the resource occupying party does not transfer a first amount of virtual resources to the resource requiring party within a first period; the first evidence-storing transaction comprises evidence-storing data of a resource postponing transfer contract; the resource deferred transfer contract is generated by the resource demander client and the resource occupier client through negotiation, and comprises a first quantity and a first time limit of the virtual resource occupied by the resource occupier based on the target order;

According to a fourth aspect of one or more embodiments of the present specification, there is provided a block chain-based insurance claim settlement method applied to a block chain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

the transaction platform node equipment receives an account payment application sent by the buyer client;

the transaction platform node arrangement obtaining an account payment contract negotiated by the buyer client and the seller client, the account payment contract comprising a first amount of funds deferred to be paid by the buyer and a first term for deferred payment based on the target order;

the transaction platform node device sends a first credentialing transaction to the blockchain, wherein the first credentialing transaction comprises credentialing data of the account payment contract;

the insurance agency node equipment acquires an insurance claim settlement application sent by the seller client side, and acquires the first deposit and certificate transaction from a distributed database of the block chain; the insurance claim application is generated based on non-payment attestation data to attest that the buyer did not pay the seller funds of the first data within the first time period;

upon verifying the insurance claim application based on the first proof transaction, the insurance agency node device executes claim manipulation logic of the insurance claim contract statement to the seller client.

According to a fifth aspect of one or more embodiments of the present specification, there is provided a block chain-based insurance claim settlement method applied to a block chain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

obtaining an account payment contract negotiated by the buyer client and the seller client, the account payment contract comprising a first amount of funds deferred to be paid by the buyer and a first term for deferred payment based on the target order;

sending a first credentialing transaction to the blockchain, wherein the first credentialing transaction comprises credentialing data for the billing payment contract.

According to a sixth aspect of one or more embodiments of the present specification, there is provided a block chain-based insurance claim settlement method applied to a block chain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

the insurance agency node equipment acquires an insurance claim settlement application sent by the seller client side, and acquires a first deposit transaction from a distributed database of the block chain; the insurance claim application is generated based on non-payment attestation data to attest that the buyer did not pay the seller funds of the first data within a first time period; the first credentialing transaction comprises credentialing data for an account term payment contract; the billing payment contract being negotiated between the buyer client and the seller client, the billing payment contract comprising a first amount of the seller funds and a first term for a deferred payment that the buyer defers to pay the seller funds based on the target order;

According to a seventh aspect of one or more embodiments of the present specification, a virtual resource allocation apparatus based on a blockchain is provided, where the virtual resource allocation apparatus is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on acquiring a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the device is applied to the transaction platform node equipment end and comprises:

a receiving unit, configured to receive a resource deferred transfer application sent by the resource occupier client;

an obtaining unit, configured to obtain a resource deferred transfer contract negotiated between the resource demander client and the resource occupier client, where the resource deferred transfer contract includes a first amount and a first deadline for which the resource occupier occupies the resource demander virtual resource based on the target order;

and the sending unit is used for sending a first evidence storing transaction to the blockchain, wherein the first evidence storing transaction comprises evidence storing data of the resource postponing transfer contract.

According to an eighth aspect of one or more embodiments of the present specification, a virtual resource allocation apparatus based on a blockchain is provided, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupier client, where the resource occupier client establishes a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the device is applied to the node equipment end of the resource provider and comprises the following steps:

the acquisition unit is used for acquiring the resource allocation application sent by the client of the resource demander and acquiring a first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, and the non-transfer certification data is used for proving that the resource occupying party does not transfer a first amount of virtual resources to the resource demanding party within a first period; the first evidence-storing transaction comprises evidence-storing data of a resource postponing transfer contract; the resource deferred transfer contract is generated by the resource demander client and the resource occupier client through negotiation, and comprises a first quantity and a first time limit of the virtual resource occupied by the resource occupier based on the target order;

and the execution unit is used for executing the resource allocation logic stated by the resource allocation contract to the node equipment of the resource demander after the resource allocation application is verified based on the first deposit and certificate transaction.

According to a ninth aspect of one or more embodiments of the present specification, there is provided an insurance claim settlement apparatus based on a blockchain, applied to a blockchain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the device is applied to the transaction platform node equipment end and comprises:

the receiving unit is used for receiving an account payment application sent by the buyer client;

an acquisition unit configured to acquire an account payment contract negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds of the seller and a first term of deferred payment that the buyer defers to pay for the seller funds based on the target order;

a sending unit, configured to send a first credit transaction to the blockchain, where the first credit transaction includes credit data of the account payment contract.

According to a tenth aspect of one or more embodiments of the present specification, there is provided an insurance claim settlement apparatus based on a blockchain, applied to a blockchain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the device is applied to the insurance mechanism node equipment end, and comprises:

the acquisition unit is used for acquiring an insurance claim settlement application sent by the seller client and acquiring a first deposit transaction from a distributed database of the block chain; the insurance claim application is generated based on non-payment attestation data to attest that the buyer did not pay the seller funds of the first data within a first time period; the first credentialing transaction comprises credentialing data for an account term payment contract; the billing payment contract being negotiated between the buyer client and the seller client, the billing payment contract comprising a first amount of the seller funds and a first term for a deferred payment that the buyer defers to pay the seller funds based on the target order;

and the execution unit is used for executing the claim settlement operation logic of the insurance claim contract statement to the seller client after the insurance claim settlement application is verified based on the first deposit and certificate transaction.

According to an eleventh aspect of one or more embodiments of the present specification, there is provided a computer apparatus comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the processor runs the computer program, the virtual resource allocation method based on the block chain executed by the trading platform node device in each embodiment is executed.

According to a twelfth aspect of one or more embodiments of the present specification, there is provided a computer apparatus, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the processor runs the computer program, the virtual resource allocation method based on the block chain executed by the resource provider node device in each of the above embodiments is executed.

According to a thirteenth aspect of one or more embodiments of the present specification, there is provided a computer apparatus, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the processor runs the computer program, the insurance claim settlement method based on the block chain executed by the trading platform node equipment in each embodiment is executed.

According to a fourteenth aspect of one or more embodiments of the present specification, there is provided a computer apparatus comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the computer program is run by the processor, the block chain-based insurance claim settlement method executed by the insurance agency node equipment in each embodiment is executed.

As can be seen from the above technical solutions, the virtual resource allocation method and apparatus based on the block chain provided in this specification provide a service of deferring and returning virtual resources for a resource occupying party based on an order generated on a trading platform, and store a deferred transfer contract between the resource occupying party and a resource requiring party based on a tamper-resistant mechanism of the block chain; the resource provider provides the required virtual resources for the resource demander when the resource occupier does not return the virtual resources to the resource demander according to the agreed time limit based on the verified deferred transfer contract of the resource occupier and the resource demander, so that the utilization rate of the idle resources of the resource provider can be improved, and the labor cost when the resource provider initiates virtual resource allocation based on the transaction relationship can be saved.

When the technical scheme provided by the specification is applied to an insurance claim settlement scene, a buyer user can lift the payment of the account period for the target object commodity or service provided by a seller user on a transaction platform, so that the fund flow configuration management of the buyer user is facilitated; based on a tamper-proof mechanism of the block chain, storing certificates of transaction relations of the buyer and the seller; the insurance agency insures the seller user based on the target object order, and executes the claim settlement operation logic to the seller user when receiving the claim settlement application based on the buyer user not paying the goods payment to the buyer user according to the appointed time limit, thereby ensuring the rights and interests of the seller user.

Drawings

Fig. 1 is a flowchart illustrating a virtual resource allocation method based on a block chain according to an embodiment of the present disclosure;

fig. 2 is a flowchart illustrating a block chain-based insurance claim settlement method according to an embodiment of the present disclosure;

fig. 3 is a schematic diagram of a virtual resource allocation apparatus based on a block chain, applied to a node device end of a transaction platform according to an embodiment provided in the present specification;

fig. 4 is a schematic diagram of a virtual resource allocation apparatus based on a block chain, applied to a node device at a resource provider, according to an embodiment provided in the present specification;

fig. 5 is a schematic diagram of an insurance claim settlement apparatus based on a block chain applied to a transaction platform node device side according to an embodiment provided in the present specification;

fig. 6 is a schematic diagram of an insurance claim settlement apparatus based on a block chain, applied to an insurance organization node device side according to an embodiment provided in the present specification;

fig. 7 is a hardware block diagram for implementing an embodiment of a block chain based virtual resource allocation apparatus or insurance claim settlement apparatus provided in the present specification.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. The following description refers to the accompanying drawings in which the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims that follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

In practical application, the demand of the resource demander for the virtual resource may be greater than the total amount of the resource actually owned by the resource demander, while the resource provider still may have a large amount of "idle" resources; therefore, how to reasonably schedule the 'idle' resources of the resource provider has very important significance for improving the resource utilization rate of the resource provider.

Taking an application scenario of insurance claim settlement in the financial field as an example, in such a scenario, the "virtual resource" may refer to funds for payment or claim settlement; the "resource provider" may be an insurance agency; the "resource demander" may then be a seller user who is delayed payment by the buyer user (i.e., the resource occupier) based on providing the buyer user with the target object transaction. In a related business scenario, for the insurance business development, the insurance mechanism may sign an "order insurance" with a seller user of the e-commerce transaction platform to provide a claim settlement service to the seller user when the buyer user does not pay for goods or services provided by the seller user on an as-received basis to cushion the loss of accounts receivable of the seller user.

In view of this, in an embodiment shown in this specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client, and the resource demander client establishes a resource allocation contract on the resource provider node device based on the target order.

The block chain network according to one or more embodiments of the present disclosure may specifically refer to a P2P network system having a distributed data storage structure, where each node device is implemented by a consensus mechanism, data in the block chain is distributed in temporally consecutive "blocks", and a subsequent block includes a data summary of a previous block, and full backup of data of all or part of nodes is implemented according to a difference of the particular consensus mechanism (e.g., POW, POS, DPOS, PBFT, or the like). As is well known to those skilled in the art, since the blockchain network system operates under a corresponding consensus mechanism, data that has been recorded in the blockchain database is difficult to be tampered with by any node, for example, a blockchain with Pow consensus is adopted, and it is possible to tamper with existing data only by an attack that requires at least 51% of effort over the entire network, so the blockchain system has characteristics of ensuring data security and preventing tampering against attacks, which are incomparable with other centralized database systems. Therefore, the data recorded in the distributed database of the blockchain cannot be attacked or tampered, and the authenticity and reliability of the data information of the distributed database of the blockchain are guaranteed.

Example types of blockchain networks may include public blockchain networks, private blockchain networks, and federation blockchain networks. Although the term blockchain is typically associated with bitcoin cryptocurrency networks, blockchains as used herein may refer to DLS (distributed ledger system) that do not reference any particular use case.

In a public blockchain network, the consensus process is controlled by nodes of the consensus network. For example, hundreds, thousands, or even millions of entities may cooperate in a public blockchain network, each entity operating at least one node in the public blockchain network. Thus, a public blockchain network may be considered a public network with respect to participating entities. Example public blockchain networks include bitcoin networks, which are peer-to-peer payment networks. Bitcoin networks utilize a distributed ledger, called blockchains. However, as noted above, the term blockchain is generally used to refer to distributed ledgers that do not specifically refer to bitcoin networks.

Typically, public blockchain networks support public transactions. The public transaction is shared with all nodes within the public blockchain network and stored in the global blockchain. A global blockchain is a chain of blocks that is replicated across all nodes. That is, for a global blockchain, all nodes are in a completely consistent state. To achieve consensus (e.g., agree to add blocks to a blockchain), a consensus protocol is implemented within a public blockchain network. Example consensus protocols include, but are not limited to, proof of work (POW) implemented in bitcoin networks.

Typically, a private blockchain network is provided for a particular entity that centrally controls read and write permissions. The entity controls which nodes can participate in the blockchain network. Thus, private blockchain networks are often referred to as licensed networks, which impose restrictions on who is allowed to participate in the network and its level of participation (e.g., only in certain transactions). Various types of access control mechanisms may be used (e.g., existing participants vote to add a new entity, and regulatory authorities may control admission).

Typically, a federated blockchain network is private among the participating entities. In a federated blockchain network, the consensus process is controlled by an authorized set of nodes (federation member nodes), one or more of which are operated by respective entities (e.g., enterprises). For example, a federation of ten (10) entities (e.g., enterprises) may operate a federated blockchain network in which each entity operates at least one node. Thus, a federated blockchain network may be considered a private network in terms of participating entities. In some examples, each entity (node) must sign each block to validate the block and add the validated block to the blockchain. In some examples, at least a subset of the entities (nodes) (e.g., at least 7 entities) must sign each block to validate the block and add the validated block to the blockchain.

It is contemplated that the embodiments provided herein can be implemented in any suitable type of blockchain network.

A node (or node device) according to one or more embodiments of the present specification refers to a node that can join the blockchain as the blockchain by executing installation of a node protocol program following a corresponding node protocol. Those skilled in the art generally refer to a node device having a full backup of data of the blockchain distributed database as a full node, a node device having partial backup data (e.g., data with only a blockhead) of the blockchain distributed database as a light node, and the like. In one or more embodiments of the present description, the node type of the above-described transaction platform node device or resource provider node device is not limited.

The transaction platform described in one or more embodiments in this specification refers to a user-oriented network platform that provides an object transaction service; the specification does not limit the type of the transaction object on the transaction platform, and the transaction object can be a commodity or a service; the user entity type of the transaction platform is not limited, and the transaction platform can be an individual user or an enterprise or organization user; and the operator entity of the trading platform can also be used as a user of the trading platform to provide the trading transaction of the goods or the services on the trading platform. It should be noted that, this specification does not limit the number of the above transaction platform node devices or resource provider node devices, and a transaction platform or a resource provider may correspond to one device terminal or server, or may correspond to multiple device terminals or servers as the node devices of the block chain.

The resource demand party (as a seller user of the transaction platform) is provided with a target transaction object on the transaction platform; the resource occupier (as a buyer user of the trading platform) establishes a target order on the trading platform based on purchasing or acquiring the target trading object.

In one or more embodiments provided in this specification, a user entity (including a resource demanding user or a resource occupying user) of the transaction platform is added to the blockchain network by running a client installer at a terminal, where the client installer may be an installer of a blockchain node device, and correspondingly, the user client also serves as a node device of the blockchain, and initiates a data acquisition request to a node device (such as the transaction platform node device) adjacent to the user entity when backing up a distributed database copy of the blockchain, or issues data to the blockchain by performing data broadcast to the node device adjacent to the user entity; the client installation program may also be a blockchain user client program connected to one alliance member node device (such as the above-mentioned transaction platform node device) in the alliance blockchain and controlled to be accessed, and accordingly, the client does not have the authority to directly access the distributed database of the blockchain, and is not generally used as a node of the blockchain, and needs to make a data request with authority learning to one or more alliance member nodes connected to the client installation program. The present specification does not limit whether the resource demanding side client and the resource occupying side client are node devices of the block chain. As described above, the client, whether being a blockchain node device or a client device of a federation member node, may obtain data stored in the distributed database of the blockchain by communicating with the transaction platform node device or send data to the distributed database of the blockchain by communicating with the transaction platform node device or the resource provider node device.

The "virtual resource" mentioned in one or more embodiments in this specification may include a resource form required by the operation of the computer terminal, and may also include a resource form required by an entity corresponding to the computer terminal, such as an intelligent asset like a token (token) and a digital asset in a block chain, or an off-chain asset like cash, securities, coupons, and real estate outside the block chain, which is not limited in this specification.

As shown in fig. 1, the method for allocating virtual resources based on a block chain according to this embodiment includes:

and 102, the trading platform node equipment receives a resource deferred transfer application sent by the resource occupier client.

The resource occupying party transfers a certain amount of virtual resources to the resource requiring party for acquiring (or purchasing) the target transaction object provided by the resource requiring party; the resource occupying party can lift the resource delay transfer application to the resource requiring party on the trading platform based on the virtual resource allocation and management requirements of the resource occupying party. An instant resource transfer function such as 'instant transfer' or 'on-line transfer' is often set on an existing transaction platform, and a certain response time is set for the instant transfer function, such as 10 minutes, 20 minutes, 30 minutes and the like; the resource deferred transfer application described in various embodiments of the present specification means that the time for completing the resource transfer significantly exceeds the response time of the instant transfer, such as measured in days, or measured in months, or even measured in years.

Step 104, the above-mentioned trading platform node device obtains a resource deferred transfer contract negotiated by the resource demander client and the resource occupier client, where the resource deferred transfer contract includes a first quantity and a first time limit for the resource occupier to occupy the resource demander virtual resource based on the target order.

Based on the resource deferred transfer application of the resource occupying party to the resource requiring party, which is lifted on the trading platform, the trading platform can provide a resource deferred transfer contract negotiation business process, and provide service for the resource requiring party client and the resource occupying party client to achieve a resource deferred transfer contract. The resource deferred transfer contract may be data information that can represent that the resource demanding party and the resource occupying party defer transfer of the corresponding virtual resource based on the target order, and may be in various forms such as an electronic contract, an electronic order (such as the target order), an electronic confirmation letter, or an electronic version of a paper contract order, which is not limited in this embodiment. After negotiation of the clients of the two parties, the resource deferred transfer contract includes a first amount and a first time limit for the resource occupying party to occupy the virtual resources of the resource requiring party based on the target order, and the first time limit represents a time limit for the resource occupying party to occupy the virtual resources of the first amount of the resource requiring party, namely a time limit for the resource occupying party to transfer the virtual resources of the first amount to the resource requiring party. In an illustrated embodiment, the transaction platform may provide a standard electronic contract, and the resource deferred transfer contract may include digital signatures made by the resource demander and the resource occupier based on contract terms to ensure that the resource deferred transfer contract is about the true meaning of the resource demander and the resource occupier.

Step 106, the trading platform node device sends a first deposit transaction to the blockchain, wherein the first deposit transaction includes deposit data of the resource postpone transfer contract.

The transaction (transaction) described in one or more embodiments in this specification refers to a piece of data that is created by a node device of a blockchain and needs to be finally published to a distributed database of the blockchain. The transactions in the block chain have a narrow transaction and a broad transaction score. A narrowly defined transaction refers to a transfer of value issued by a user to a blockchain; for example, in a conventional bitcoin blockchain network, the transaction may be a transfer initiated by the user in the blockchain. And the broad transaction refers to a piece of business data with business intention, which is issued to the blockchain by the user entity through the node. The first evidence storing transaction described in this embodiment may include an original text or a ciphertext of the resource deferred transfer contract as evidence storing data, or may include a "digital fingerprint" of the content of the resource deferred transfer contract, that is, a hash digest of the resource deferred transfer contract as evidence storing data, and the tamper-resistant mechanism based on the block chain plays a role in storing the evidence for the resource deferred transfer contract.

The detailed process of recording the first certificate-deposit transaction into the distributed database of the blockchain according to the embodiment may be specifically set according to a verification mechanism and a consensus mechanism of the blockchain. In an illustrated embodiment, the uploading the first credentialing transaction into the distributed database of the blockchain comprises:

after the node with the accounting authority in the block chain verifies that the first evidence storing transaction passes, adding the first evidence storing transaction into the candidate block;

determining consensus accounting nodes satisfying the block chain consensus mechanism from the nodes with accounting authority;

the consensus accounting node broadcasts the candidate blocks to nodes of the block chain;

and after the candidate block passes verification approval of the nodes with the preset number of the block chains, the candidate block is regarded as the latest block and added into a distributed database of the block chains.

In the above embodiments, the node having the accounting authority refers to a node having an authority to generate the candidate block. According to the consensus mechanism of the block chain, a consensus accounting node may be determined from the nodes having accounting authority for the candidate block, where the consensus mechanism may include a workload certification mechanism (PoW), a rights certification mechanism (PoS), a stock authorization certification mechanism (DPoS), a byzantine fault-tolerant algorithm mechanism (PBFT) commonly used in a federation chain, or the like.

In practical business applications, the blockchain network according to one or more embodiments of the present specification may be configured as a federation chain, where the transaction platform node device serves as a federation member node device and sends a first evidence transaction including evidence data of the resource deferred transfer contract to the federation chain. Compared with a public chain, the consensus algorithm adopted by the alliance chain is high in efficiency generally, and can meet the requirement of high-frequency transaction amount, such as a first evidence deposit transaction frequently generated based on transaction services of a transaction platform; the consensus time delay is very low, the requirement of real-time processing is basically met, and the first evidence deposit transaction can be rapidly recorded in a new block of the block chain in real time; moreover, a trusted node (such as a transaction platform or a node corresponding to a government agency) in the alliance chain network is used as a preselected accounting node, so that safety and stability are considered; in addition, consensus algorithms (e.g., PBFT) in a federation chain typically do not consume excessive computer computing resources, nor do they necessarily require token circulation, and thus have good usability.

Step 108, the resource provider node device obtains a resource allocation application sent by the resource demander client, and obtains the first deposit transaction from the distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data for certifying that the resource occupier does not transfer the first amount of virtual resources to the resource demander within the first period.

The resource provider has idle virtual resources, and can provide virtual resource allocation service for the resource demander. When the resource demander proves that the resource occupier does not transfer or completely transfer the first amount of virtual resources to the resource demander within the first period agreed by the resource deferred transfer contract, the resource demander can send a resource allocation application to the resource provider based on the untransferred proof data, so that the resource provider allocates all or part of the virtual resources which the resource demander has not received within the first period or other lost virtual resources, namely a second amount of virtual resources to the resource demander, thereby assisting the virtual resource allocation management of the resource demander. In some illustrative embodiments, the resource provider may have the right to the resource consumer to recoup the second amount of virtual resources that it allocates to the resource consumer.

The specific manner of the resource provider node device obtaining the resource allocation application sent by the resource demander client may be various, and is not limited in the embodiments provided in this specification. For example, the resource requirement client may be directly connected to the resource provider node device in a communication manner to send a resource allocation application thereto; when the resource demand client serves as a node of the blockchain, the resource demand client may send the resource allocation application to a distributed database of the blockchain, and accordingly, the resource provider node device may obtain the resource allocation application from the distributed database of the blockchain.

Step 110, after verifying the resource allocation application based on the first credentialing transaction, the resource provider node device executing the resource allocation logic declared by the resource allocation contract to the resource demander node device.

Since the first certificate transaction includes the certificate data of the resource deferred transfer contract made by the resource provider and the resource consumer, which agrees with the first amount and the first term of the virtual resource of the resource consumer based on the target order, the resource provider can verify whether the first amount and the first term, or the first amount, the first term and other contents, of the resource allocation application, which are related to the virtual resource of the resource consumer in the target order, are correct based on the certified resource deferred transfer contract, so as to ensure that the resource allocation application is generated based on the real existing transaction relationship.

The process of verifying the resource allocation application may be executed by an executable program running on the resource provider node device, or may be manually verified by the resource provider entity, and after the verification is completed, a registration or record of the verification completion is given on the resource provider node device, so that the resource provider node device can execute a preset resource allocation logic to the resource demander client. The resource allocation logic of the resource allocation contract declaration may include: sending a resource allocation notification indicating that the resource provider can allocate a second amount of virtual resources to the resource demander; or performing a second number of resource allocations; and so on.

Similarly, the resource provider node device may send the resource allocation notification in a variety of specific sending manners, for example, the resource provider node device may directly connect to the resource demand client in a communication manner to send the resource allocation notification to the resource demand client; when the resource demanding client serves as a node of the blockchain, the resource provider node device may send the resource allocation notification to the distributed database of the blockchain, and accordingly, the resource demanding client may obtain the resource allocation notification from the distributed database of the blockchain.

The specification also does not limit the specific form of the resource provider for performing the allocation of the second amount of virtual resources to the resource demander, and the two terminals may perform direct transmission of the virtual resources, for example, a transfer transaction is performed from an account of the resource provider to an account of the resource demander on the blockchain, so as to transfer a blockchain digital certificate (token) equivalent to the second amount of virtual resources; a second number of virtual resource transfers from the resource provider to the resource requestor may also be made offline through the blockchain, and so on.

In the virtual resource allocation method in the above embodiment, through the block chain network system architecture, the resource demanding party and the resource occupying party can directly complete the virtual resource deferred transfer application of the resource occupying party and the virtual resource allocation application of the resource demanding party based on the target trading orders of the two parties on the trading platform, so that three-party resources of the resource providing party, the resource demanding party and the resource occupying party are reasonably configured, and the utilization rate of the resources is improved.

In the field of financial science and technology, the technical scheme of the application is described in detail below by taking an application scenario of performing account payment based on a transaction platform and performing insurance claims to an insurance institution based on claim certification data such as account receivable and the like as an example.

In this application scenario, the "virtual resource" may refer to funds for payment or claim settlement; the "virtual resource allocation" may refer to insurance claims; the resource demander can be a seller user of the transaction platform, namely a user entity with a requirement for carrying out insurance claim settlement based on accounts receivable information between the seller user and a buyer user; the "resource holder" may be a buyer user of the transaction platform, that is, a user entity having an accounts receivable debt relationship with the seller user.

Accordingly, another embodiment of the present specification provides an insurance claim settlement method based on a blockchain, which is applied to a blockchain network system including a transaction platform node device, an insurance agency node device, a seller client and a buyer client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order.

The transaction platform described in one or more embodiments in this specification refers to a user-oriented network platform that provides an object transaction service; the specification does not limit the type of the transaction object on the transaction platform, and the transaction object can be a commodity or a service; the user entity type of the transaction platform is not limited, and the transaction platform can be an individual user or an enterprise or organization user; and the operator entity of the trading platform can also be used as a user of the trading platform to provide the trading transaction of the goods or the services on the trading platform. It should be noted that, the present specification does not limit the number of the above transaction platform node devices or insurance agency node devices, and the transaction platform or insurance agency may correspond to one device terminal or server, or correspond to multiple device terminals or servers as the node devices of the block chain.

As shown in fig. 2, the insurance claim settlement method based on the block chain according to the present embodiment includes:

step 202, the transaction platform node device receives an account payment application sent by the buyer client.

Conventional e-commerce platforms are often set up with an "immediate payment" function, in which a buyer immediately pays an amount in a target order to a seller account or a third-party neutral account of the e-commerce platform, and a network response time (or referred to as an "order effective time") of several minutes to several tens of minutes is often set for the "immediate payment" function in consideration of information coordination and network transmission time between a plurality of terminals involved in an immediate payment operation. In this embodiment, the transaction platform may provide the buyer user with a payment function option of "account payment" or "account payment application" in the order payment business process, and the payment validity period corresponding to the account payment function may be significantly longer than the response time or validity time corresponding to the immediate payment function, for example, days, months or even years are used as a measurement unit of the payment validity period, and the payment validity period for the account payment may be 3 months (90 days), 6 months or even 1 year, and so on.

The transaction platform can provide more loose fund configuration management time for the buyer user by setting the account payment function or the account payment application function, and improves the user-friendly degree of the transaction platform.

At step 204, the transaction platform node arrangement obtains an account payment contract negotiated by the buyer client and the seller client, the account payment contract comprising a first amount of the seller funds and a first term for the deferred payment to be deferred by the buyer based on the target order.

Based on the account payment application of the buyer user on the transaction platform, the transaction platform can provide a negotiation business process of an account payment contract, and provide service for the buyer client and the seller client to reach the account payment contract. The aforementioned account payment contract is data information that can represent the deferred payment of the buyer user and the seller user based on the target order, and may be in various forms such as an electronic contract, an electronic order (which may be the aforementioned target order), an electronic confirmation letter, and an electronic version of a paper contract order, which is not limited in this embodiment. The two-party client negotiation is carried out, the account payment contract comprises a first amount of the fund to be paid by the buyer client based on the target order and a first period corresponding to the first amount of the fund, and the first period represents a time period for the buyer user to delay paying the first amount of the fund; in still other embodiments, the aforementioned account payment contract may also include other content in the aforementioned target order, such as a description of the target transaction object, quantity, delivery method, invoice information, and the like.

In an illustrated embodiment, the standard electronic contract available from the transaction platform may include a digital signature made by the buyer-seller user based on contract terms to ensure that the debit payment contract is a true meaning representation of the buyer-seller user.

Step 206, the transaction platform node device sends a first credentialing transaction to the blockchain, wherein the first credentialing transaction comprises credentialing data of the account payment contract.

The certification data of the account payment contract may include full text content or encrypted full text content of the account payment contract, hash digest data of the account payment contract, and the like. The detailed process of the first deposit transaction being recorded in the distributed database of the blockchain has been exemplified in the above-mentioned one embodiment, and is not described herein again. Based on a tamper-proof mechanism of the blockchain, the first evidence deposit transaction can deposit the content of the account period payment contract, so that other node devices on the blockchain can conveniently acquire or verify the content of the account period payment contract.

In an illustrated embodiment, the transaction platform node device may further obtain shipping information based on a target transaction object sent by the seller client, and record evidence storage data (such as an invoice number, an invoice photo, or a hash abstract of the data) of the shipping information in the first evidence storage transaction, so as to store a true trade relationship between the buyer and the seller.

In another illustrated embodiment, in order to increase mutual trust between users of the buyer and the seller and trust of the transaction platform to the users of the buyer and the seller, especially trust of the user of the buyer who sends an account payment application, the user of the buyer may register its identity authentication information in the node device of the transaction platform, and the identity authentication information may include real-name identity document information, or biological identification information (such as face identification information, fingerprint information, voiceprint information, etc.), or enterprise organization document information, or biological identification information of a responsible party of enterprise organization, or electronic identity authentication information of an individual or organization user (such as an identity certificate issued by a CA organization for the user), so that the user of the buyer can perform real identity execution when applying the account payment by using the transaction platform, thereby increasing mutual trust between the buyer and the seller, omitting a wind control measure of the transaction platform to a certain extent, and further improving user experience of the users of the buyer and the seller.

In order to further ensure the authenticity and credibility of the identity authentication information and prevent any user or transaction platform from tampering the identity authentication information, the first card storage transaction in the above embodiment may further include card storage information of the identity authentication information, which may be specifically represented as a text or a ciphertext of the identity authentication information or a hash digest of the identity authentication information, so as to provide a card for the identity authentication information based on a tamper-proof mechanism of a block chain, and further provide evidence for a possibly occurring identity authentication dispute.

Step 208, the insurance agency node device obtains an insurance claim settlement application sent by the seller client, and obtains the first deposit transaction from the distributed database of the block chain; the insurance claim application is generated based on non-payment attestation data to attest that the buyer did not pay the seller a first amount of funds within the first period.

When the buyer user does not fully pay the seller user a first amount of funds within the first period, the seller user may need to enter some funds due to his own funds allocation management requirements; in the traditional insurance claim, the application of the insurance claim and the examination and verification of claim proof materials usually require a large amount of material preparation and longer material validity examination and verification time, the timeliness is poor, and the labor cost is too high.

In an embodiment provided in this specification, the seller client may submit an insurance claim application to the insurance institution online; for example, the seller client may be in direct communication with the insurance agency node device to send an insurance claim application thereto; when the seller client serves as a node of the blockchain, the seller client may send the insurance claim application to a distributed database of the blockchain, and accordingly, the insurance agency node device may obtain the insurance claim application from the distributed database of the blockchain.

The present specification does not limit the content or type of unpaid certification data upon which the above-described insurance claims application is based; for example, the unpaid certification data may be data collected in an account payment business process set by the transaction platform, the account payment business process may obtain payment data for a buyer user to pay accounts for a seller user within a first period, and if the buyer user does not pay or completely pay a first amount of funds to the seller user within the first period, the account payment business process may lead to an insurance claim process set by the transaction platform, and the seller client and the insurance claim node device participate in business operations of the insurance claim process.

As another example, the unpaid certification data may also be a statement or statement of an owed relationship granted by a third party authority (e.g., a judicial organization) that may certify that the buyer does not pay the seller a first amount of funds within the first period. Optionally, the judicial institution giving the decision book or statement book may serve as a node device of the blockchain, and send the evidence data of all or part of the decision book or statement book to the distributed database of the blockchain, so as to serve as the unpaid evidence data required by the seller user to lift the application for insurance claims.

Step 210, after verifying the insurance claim application based on the first proof transaction, the insurance agency node device executes the claim operation logic declared by the insurance claim contract to the seller client. .

Based on the wind control requirement of the insurance institution and the regulatory requirement of the financial industry, the insurance institution needs to verify (i.e. audit) the insurance claim application, and the process of the verification or audit may generally include performing trade authenticity audit on the insurance claim application based on accounts receivable, performing crediting relation of the accounts receivable (i.e. the unpaid data), and the like.

The process of verifying the application of the insurance claim can be executed by an executable program (such as an intelligent contract) running on the node equipment of the insurance institution, or can be manually verified by the staff of the insurance institution, and after the verification is completed, a registration or record of the verification completion is given on the node equipment of the insurance institution, so that the node equipment of the insurance institution can conveniently execute the claim operation logic of the insurance claim contract statement on the client side of the seller. The claim operation logic of the insurance claim contract statement may include: sending a claim validation notification indicating that the insurance agency may claim a second amount of claim funds to the seller user; or performing a second amount of funds transfer to settle the claim; and so on.

The insurance agency node equipment can send the claim settlement confirmation notification in various ways, for example, the insurance agency node equipment can directly communicate with the seller client to send the claim settlement confirmation notification to the seller client; when the seller client serves as a node of the block chain, the insurance agency node device can send the claim settlement confirmation notification to the distributed database of the block chain, so that the effect of sending the notification to the seller user of the transaction platform is achieved, a second amount of insurance claim settlement funds can be issued to the seller user for data storage evidence by the insurance agency, and the possibly existing financial dispute evidence obtaining process can be conveniently implemented; accordingly, the seller client can obtain the claim settlement confirmation notification from the distributed database of the blockchain.

The amount of the insurance claim actually obtained by the seller user may not be equal to the amount of the receivable account corresponding to the target order or the buyer user may have paid a portion of the account based on the agreement of the insurance claim contract, and therefore the second amount is generally different from the first amount, or the second amount may be smaller than the first amount.

The specification does not limit the specific form of the insurance agency transferring funds of the second amount of insurance claim to the seller user, and the online transmission of funds or funds vouchers can be performed to the seller client through the insurance agency node device, such as the transfer of digital certificates (Token) equivalent to the second amount of insurance claim funds is completed on the block chain; the second amount of insurance claim funds may also be issued by a line-down method, such as bank account transfer, and so on. Accordingly, the claim confirmation notification may also be in the form of a transfer transaction on a block chain, or a transaction representing a bank account loan transfer notification.

In this embodiment, a seller user of the transaction platform can directly lift an insurance claim settlement application to an insurance agency line based on an account period payment contract agreed on the transaction platform, and the insurance agency node device can directly obtain audit verification materials (such as a first deposit and certificate transaction) from the line; therefore, the labor cost of offline operations such as material preparation, auditing and the like required by the traditional receivables insurance claim settlement is saved, the claim settlement application is directly completed in a one-stop manner on line based on transaction, the fund risk guarantee is provided for a seller user of a transaction platform, and the resource loss such as the labor cost is reduced; therefore, good fund flow is established among the insurance institution, the seller users and the buyer users, and the resource allocation of the whole system is optimized.

Corresponding to the above flow implementation, the embodiments of the present specification further provide block chain based virtual resource allocation apparatuses 30, 40, and block chain based insurance claim settlement apparatuses 50, 60. The means 30, 40, 50, 60 may be implemented by software, or by hardware, or by a combination of both. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 7.

As shown in fig. 3, the present specification further provides a virtual resource allocation apparatus 30 based on a blockchain, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the device 30 is applied to the trading platform node device side, and includes:

a receiving unit 302, configured to receive a resource deferred transfer application sent by the resource consumer client;

an obtaining unit 304, configured to obtain a resource deferred transfer contract negotiated between the resource demander client and the resource occupier client, where the resource deferred transfer contract includes a first amount and a first deadline for the resource occupier to occupy the resource demander virtual resource based on the target order;

a sending unit 306, configured to send a first credentialing transaction to the blockchain, where the first credentialing transaction includes credentialing data of the resource postpone transfer contract.

The specific implementation process of the functions and actions of each unit in the device 30 is detailed in the implementation process of the corresponding step in the virtual resource allocation method based on the block chain executed by the node device of the transaction platform, and relevant points may refer to part of the description of the method embodiment, which is not described herein again.

As shown in fig. 4, the present specification further provides a virtual resource allocation apparatus 40 based on a blockchain, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, where the resource occupier client establishes a target order on the trading platform node device based on obtaining a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the apparatus 40 is applied to the resource provider node device side, and includes:

an obtaining unit 402, configured to obtain a resource allocation application sent by the resource demander client, and obtain a first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, and the non-transfer certification data is used for proving that the resource occupying party does not transfer a first amount of virtual resources to the resource requiring party within a first period; the first credentialing transaction comprises credentialing data of a resource postponing transfer contract; the resource deferred transfer contract is generated by the resource demander client and the resource occupier client through negotiation, and comprises a first quantity and a first time limit of the virtual resource occupied by the resource occupier based on the target order;

an executing unit 404, configured to execute the resource allocation logic declared by the resource allocation contract to the resource demander node device after verifying the resource allocation application based on the first deposit-evidence transaction.

The implementation process of the function and the action of each unit in the apparatus 40 is specifically described in the implementation process of the corresponding step in the virtual resource allocation method based on the block chain executed by the node device of the resource provider, and relevant points may be referred to part of the description of the method embodiment, which is not described herein again.

As shown in fig. 5, the present specification further provides an insurance claim settlement apparatus 50 based on blockchain, which is applied to a blockchain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the device 50 is applied to the trading platform node equipment side and comprises:

a receiving unit 502, configured to receive an account payment application sent by the buyer client;

an obtaining unit 504 configured to obtain an account payment contract negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds of the seller and a first term of deferred payment that the buyer defers to pay the seller funds based on the target order;

a sending unit 506, configured to send a first deposit transaction to the blockchain, where the first deposit transaction includes deposit data of the account payment contract.

The detailed implementation process of the functions and actions of each unit in the device 50 is described in detail in the implementation process of the corresponding step in the block chain-based insurance claim settlement method executed by the transaction platform node device, and relevant points may be referred to part of the description of the method embodiment, which is not described herein again.

As shown in fig. 6, the present specification further provides an insurance claim settlement apparatus 60 based on blockchain, which is applied to a blockchain network system including a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the device 60 is applied to the insurance mechanism node equipment side, and comprises:

an obtaining unit 602, configured to obtain an insurance claim settlement application sent by the seller client, and obtain a first deposit transaction from a distributed database of the blockchain; the insurance claim application is generated based on non-payment attestation data to attest that the buyer did not pay the seller funds of the first data within a first time period; the first credentialing transaction comprises credentialing data for an account term payment contract; the billing payment contract being negotiated between the buyer client and the seller client, the billing payment contract comprising a first amount of the seller funds and a first term for a deferred payment that the buyer defers to pay the seller funds based on the target order;

an execution unit 604, configured to execute the claim settlement operation logic of the insurance claim contract statement to the seller client after verifying the application for insurance claim settlement based on the first deposit-evidence transaction.

The implementation process of the function and the action of each unit in the device 60 is specifically described in the implementation process of the corresponding step in the block chain-based insurance claim settlement method executed by the insurance organization node device, and related points may be referred to part of the description of the method embodiment, which is not described herein again.

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

The apparatuses, units and modules illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

Corresponding to the above method embodiment, the embodiment of the present specification further provides a computer device, as shown in fig. 7, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the virtual resource allocation method based on the block chain, which is performed by the above-described trading platform node device in this specification. For detailed descriptions of the steps of the virtual resource allocation method based on the block chain executed by the trading platform node device, please refer to the previous contents, and they are not repeated.

Corresponding to the above method embodiment, the embodiment of the present specification further provides a computer device, as shown in fig. 7, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the virtual resource allocation method based on the block chain performed by the resource provider node device described above in the embodiments of the present specification. For a detailed description of each step of the virtual resource allocation method based on the block chain executed by the resource provider node device, please refer to the previous contents, which is not repeated.

Corresponding to the above method embodiment, the embodiment of the present specification further provides a computer device, as shown in fig. 7, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the block chain based insurance claim settlement method performed by the transaction platform node device described above in the embodiments of the present specification. For a detailed description of the steps of the block chain-based insurance claim settlement method executed by the node device of the trading platform, reference is made to the previous contents, which are not repeated.

Corresponding to the above method embodiment, the embodiment of the present specification further provides a computer device, as shown in fig. 7, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the block chain based insurance claim settlement method performed by the insurance agency node device described above in the embodiments of the present specification. For a detailed description of the steps of the block chain-based insurance claim settlement method executed by the insurance agency node device, please refer to the previous contents, which are not repeated.

The above description is only a preferred embodiment of the present disclosure, and should not be taken as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.

Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. A virtual resource allocation method based on a blockchain is applied to a blockchain network system comprising a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, wherein the resource occupier client establishes a target order on the trading platform node device based on acquisition of a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

after verifying the resource allocation application based on the first credentialing transaction, the resource provider node device executes the resource allocation logic of the resource allocation contract statement to the resource consumer node device.

2. The method of claim 1, the executing the resource allocation logic of the resource allocation contract statement comprising sending a resource allocation notification to indicate that the resource provider can allocate a second amount of virtual resources to the resource demander.

3. The method of claim 1, the executing the resource allocation logic of the resource allocation contract statement comprising executing a second amount of virtual resource allocation to the resource demander.

4. The method of claim 2 or 3, the second number being no greater than the first number.

5. The method of claim 1, 2 or 3, wherein the trading platform node device obtains the target object-based shipping information sent by the resource demander client;

the first evidence-storing transaction also comprises evidence-storing data of the delivery information.

6. The method according to claim 1, 2 or 3, wherein the resource holder client is registered with identity authentication information of the resource holder at the trading platform node device;

the first deposit transaction also comprises deposit data of the identity authentication information of the resource occupier.

7. The method of claim 1, the blockchain network system further comprising a judicial agency node device; the non-transferred certification data is sent by the judicial agency node device to a distributed database of the blockchain.

8. The method of claim 1, the blockchain being a federation chain, the transaction platform node device and the resource provider node device being federation member node devices.

9. A virtual resource allocation method based on a block chain is applied to a block chain network system comprising a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, wherein the resource occupier client establishes a target order on the trading platform node device based on the acquisition of a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

the trading platform node equipment receives a resource postponed transfer application sent by the resource occupier client;

10. A virtual resource allocation method based on a block chain is applied to a block chain network system comprising a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, wherein the resource occupier client establishes a target order on the trading platform node device based on the acquisition of a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the method comprises the following steps:

the resource provider node equipment acquires a resource allocation application sent by the resource demander client and acquires a first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, and the non-transfer certification data is used for proving that the resource occupying party does not transfer a first amount of virtual resources to the resource requiring party within a first period; the first credentialing transaction comprises credentialing data of a resource postponing transfer contract; the resource deferred transfer contract is generated by the resource demander client and the resource occupier client through negotiation, and comprises a first quantity and a first time limit of the virtual resource occupied by the resource occupier based on the target order;

11. An insurance claim settlement method based on a block chain is applied to a block chain network system comprising a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

12. The method of claim 11, the executing the claim operation logic of the insurance claim contract statement comprising sending a claim validation notification to indicate that the insurance agency may claim a second amount of funds to the seller.

13. The method of claim 11, the logic to perform the claim operation of the insurance claim contract statement comprising performing a second amount of funds payment to the seller.

14. The method of claim 12 or 13, the second number being no greater than the first number.

15. The method of claim 11, 12 or 13, the trading platform node device obtaining target object-based shipping information sent by the seller client;

the first deposit transaction also includes deposit data of the shipping information.

16. The method of claim 11 or 12 or 13, the buyer client registering with identity authentication information of the buyer at the trading platform node device;

the first deposit transaction also comprises deposit data of the identity authentication information of the buyer.

17. The method of claim 11, the blockchain network system further comprising a judicial agency node device; the unpaid certification data is sent by the judicial agency node device to a distributed database of the blockchain.

18. The method of claim 11, the blockchain being a federation chain, the transaction platform node device and the insurance agency node device being federation member node devices.

19. An insurance claim settlement method based on a block chain is applied to a block chain network system comprising a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

obtaining an account payment contract negotiated between the buyer client and the seller client, the account payment contract comprising a first amount of funds deferred for payment by the buyer and a first term for deferred payment based on the target order;

20. An insurance claim settlement method based on a block chain is applied to a block chain network system comprising a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the acquisition of a target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the method comprises the following steps:

21. A virtual resource allocation device based on a block chain is applied to a block chain network system comprising a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, wherein the resource occupier client establishes a target order on the trading platform node device based on the acquisition of a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the device is applied to the transaction platform node equipment end and comprises:

a receiving unit, configured to receive a resource deferred transfer application sent by the resource consumer client;

22. A virtual resource allocation device based on a block chain is applied to a block chain network system comprising a trading platform node device, a resource provider node device, a resource demander client and a resource occupier client, wherein the resource occupier client establishes a target order on the trading platform node device based on the acquisition of a target trading object provided by the resource demander client; the resource demander client establishes a resource allocation contract on the resource provider node equipment based on the target order; the device is applied to the node equipment end of the resource provider and comprises the following steps:

the acquisition unit is used for acquiring the resource allocation application sent by the client of the resource demander and acquiring a first deposit transaction from a distributed database of the block chain; the resource allocation application is generated based on non-transfer certification data, and the non-transfer certification data is used for proving that the resource occupying party does not transfer a first amount of virtual resources to the resource requiring party within a first period; the first credentialing transaction comprises credentialing data of a resource postponing transfer contract; the resource deferred transfer contract is generated by the resource demander client and the resource occupier client through negotiation, and comprises a first quantity and a first time limit of the virtual resource occupied by the resource occupier based on the target order;

23. An insurance claim settlement device based on a blockchain is applied to a blockchain network system comprising transaction platform node equipment, insurance agency node equipment, a buyer client and a seller client of a transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node device based on the target order; the device is applied to the transaction platform node equipment end and comprises:

a sending unit, configured to send a first credentialing transaction to the blockchain, where the first credentialing transaction includes credentialing data of the account payment contract.

24. An insurance claim settlement device based on a blockchain is applied to a blockchain network system comprising a transaction platform node device, an insurance agency node device, a buyer client and a seller client of the transaction platform; the buyer client establishes a target order on the trading platform node equipment based on the target trading object provided by the seller client; the seller client establishes an insurance claim contract at the insurance agency node equipment based on the target order; the device is applied to the insurance mechanism node equipment end, and comprises:

25. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 9 or 10 or 19 or 20.