CN111177274B - Block chain-based item leasing method, device, server and storage medium - Google Patents
Block chain-based item leasing method, device, server and storage medium Download PDFInfo
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- CN111177274B CN111177274B CN201911418455.4A CN201911418455A CN111177274B CN 111177274 B CN111177274 B CN 111177274B CN 201911418455 A CN201911418455 A CN 201911418455A CN 111177274 B CN111177274 B CN 111177274B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
Abstract
The invention provides a block chain-based article renting method, a block chain-based article renting device, a block chain-based article renting server and a block chain-based article renting storage medium, wherein an article renting request is received, and an article renting time period, a renting amount and an article tenant of a target article requested to be rented indicated by the article renting request are determined; acquiring historical transfer information of a target object stored in a block chain; determining rights-holders of the target items in the item lease time period according to the historical transfer information; determining whether the article lease request meets preset lease conditions or not based on the rights-holder; if the article lease request meets the lease condition, lease information related to the article lease request is generated and stored in the blockchain, and lease amount is transferred from a bank account of an article lessee to a bank account of a right owner. Based on the invention, on-line article leasing can be realized on the basis of realizing the publicity of leasing rights, so as to ensure the rights of the leasing parties.
Description
Technical Field
The invention relates to the technical field of article leasing, in particular to a blockchain-based article leasing method, a blockchain-based article leasing device, a server and a storage medium.
Background
The article renting is the act that an article renter gives all or managed articles to an article renter for use, and the article renter obtains the occupation and use rights of the articles by periodically delivering a certain amount of rents. The article renting is a commodity circulation mode for selling the articles with sporadic use value. Wherein, the articles can be houses, automobiles, jewelry and other commodities.
At present, the article renting is usually carried out by signing an article renting contract with the private of the article renter, and the article renting mode often has the conditions of falsification, fraud and the like, and the rights and interests of the renting parties cannot be ensured. For example, an item lessor leases items privately to an item lessee without renting items, an item lessee does not pay for a lease after renting items, and so on.
Disclosure of Invention
In view of the above, the application provides a method, a device, a server and a storage medium for renting goods based on blockchain, which realize online goods renting on the basis of realizing the public indication of renting rights so as to ensure the rights of the renting parties. The technical proposal is as follows:
the first aspect of the application discloses a blockchain-based item leasing method, which comprises the following steps:
Receiving an article renting request, and determining an article renting time period, a renting amount and an article lessee of a target article requested to be rented, which are indicated by the article renting request;
acquiring historical transfer information of the target object stored in a blockchain, wherein the historical transfer information comprises historical lease information and historical mortgage information;
determining a rights-holder of the target item in the item lease period according to the history transfer information, wherein the rights-holder is a mortgage rights-holder or a lease rights-holder;
determining whether the article lease request satisfies a preset lease condition based on the rights-holder;
if the article lease request meets the lease condition, lease information related to the article lease request is generated and stored in the blockchain, and the lease amount is transferred from the bank account of the article lessee to the bank account of the right owner.
Optionally, if the rights-holder is a leasing rights-holder, the determining, based on the rights-holder, whether the article leasing request meets a preset leasing condition includes:
judging whether lease identification information of each right owner is stored in the blockchain, wherein the lease identification information of the right owners characterizes the right owners to agree with the article lease request;
If the block chain stores the lease identification information of each right owner, determining that the article lease request meets the lease condition;
if a target right owner exists in the right owners, determining that the article lease request does not meet the lease condition; and the block chain does not store lease identification information of the target right owner.
Optionally, the method further comprises:
sending prompt information to the target rights-holder, wherein the prompt information is used for prompting whether the target rights-holder agrees with the article lease request;
if the target right owner receives the operation of determining to agree with the article lease request, determining that the article lease request meets the lease condition;
the determining that the item rental request does not satisfy the rental condition includes: and if the target right owner receives the operation of determining that the object lease request is not approved, determining that the object lease request does not meet the lease condition.
Optionally, if the rights-holder is a mortgage rights-holder, the determining, based on the rights-holder, whether the article-rental request meets a preset rental condition includes:
Obtaining an intelligent contract from the blockchain to mortgage the target item to the rights-holder;
obtaining a target amount from the smart contract;
judging whether the leasing amount is smaller than the target amount;
if the lease amount is less than the target amount, determining that the item lease request does not satisfy the lease condition;
and if the leasing amount is not less than the target amount, determining that the article leasing request meets the leasing condition.
Optionally, if it is determined that the rights-holder for the target object is plural in the object rental period, and each of the determined rights-holders includes a mortgage rights-holder and a rental rights-holder, the determining, based on the rights-holder, whether the object rental request satisfies a preset rental condition includes:
judging whether lease identification information of each lease right owner is stored in the blockchain;
if the block chain stores the lease identification information of each leasing right owner, judging whether the lease amount is not less than each target amount in each target amount, wherein the target amount is a target amount in an intelligent contract which is acquired from the block chain and mortgage the target object to the mortgage right owner;
And if the lease amount is not less than each target amount in the target amounts, determining that the article lease request meets the lease condition.
Optionally, the transferring the lease amount from the bank account of the article lessee to the bank account of the rights-holder includes:
determining the total lease amount according to the item lease time period and the lease amount;
transferring the total rental amount from the bank account of the item tenant;
determining mortgage duration of the mortgage rights man in the item lease time period;
calculating a first amount according to the target amount of the mortgage right person and the mortgage time length;
and transferring the first amount to a bank account of the mortgage rights holder, and distributing the second amount of the total leasing amount, which is remained except the first amount, to each leasing rights holder.
Optionally, the allocating a second amount remaining in the total leasing amount except the first amount to each leasing right owner includes:
determining a second amount of the total rental amount remaining in addition to the first amount;
determining a target time period of which each leasing right owner has leasing rights in the leasing time period;
And distributing the second amount according to each target time period, determining the third amount of each target time period, and transferring the third amount of the target time period to the bank account of the mortgage right owner of the target time period.
The second aspect of the invention discloses a blockchain-based item rental device, comprising:
the receiving unit is used for receiving the article renting request and determining an article renting time period, a renting amount and an article carrier of the article which are indicated by the article renting request and request for renting the target article;
a first obtaining unit, configured to obtain history transfer information of the target item stored in a blockchain, where the history transfer information includes history lease information and history mortgage information;
a first determining unit, configured to determine, according to the historical transfer information, a rights-holder of the target item in the item lease period, where the rights-holder is a mortgage rights-holder and a lease-holder;
a first judging unit, configured to determine, based on the rights-holder, whether the article rental request meets a preset rental condition;
and the generation unit is used for generating and storing the lease information related to the article lease request to the blockchain if the article lease request information meets the lease condition, and transferring the lease amount from the bank account of the article carrier to the bank account of the right owner.
A third aspect of the present application discloses a server comprising: at least one memory and at least one processor; the memory stores a program, and the processor invokes the program stored in the memory, where the program is configured to implement the blockchain-based item rental method disclosed in any of the first aspects of the present application.
A fourth aspect of the application discloses a computer readable storage medium having stored therein computer executable instructions for performing the blockchain-based item rental method as disclosed in any of the first aspects of the application above.
The application provides a block chain-based article renting method, a block chain-based article renting device, a block chain-based article renting server and a block chain-based article renting storage medium, wherein after an article renting request is received, an article renting time period, a renting amount and an article carrier of a target article requested to be rented indicated by the article renting request are determined; determining rights-holders of the target items in the item lease time period according to the historical transfer information of the target items obtained from the blockchain; in the case that the article lease request is determined to meet the preset lease condition based on the determined rights-holder, lease information related to the article lease request is generated and stored on the blockchain. The application can realize online article leasing based on the blockchain, thereby ensuring the rights and interests of both leasing parties.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic flow chart of a blockchain-based item rental method provided by an embodiment of the invention;
FIG. 2 is a flowchart of a method for determining whether an item rental request meets preset rental conditions based on a rights-holder, according to an embodiment of the present invention;
FIG. 3 is a flowchart of another method for determining whether an item rental request meets preset rental conditions based on a rights-holder, according to an embodiment of the present invention;
FIG. 4 is a flowchart of a method for transferring a rental amount from a bank account of an item tenant to a bank account of a rights-holder according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a block chain-based item rental apparatus, in accordance with an embodiment of the present invention;
Fig. 6 is a block diagram of a hardware server according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
In the present disclosure, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
With the continuous development of society, the application of a system of articles mainly leased is more and more extensive, for example, the application of a system of houses mainly leased is more and more extended, mortgages are carried out on the houses, and the most common credit mode for trusted enterprises and individuals is not suitable.
Therefore, the inventor uses data to energize enterprises by combining a rental-based article system and a smart city construction foundation, and changes article renting rights through digital definition, marketization evaluation and operation; and the financial and technological strength is utilized to interconnect and communicate with systems such as article supervision, article integration, urban construction, the Internet of things and the like, and an intelligent wind control mode is innovated to control risks caused by various uncertainties. Wherein, the articles can be houses, automobiles, jewelry and other commodities.
The digital identification of the article renting right and the registration on the blockchain can provide a solution for confirming the article renting right for the article renting industry, truly realize 'rent and purchase right', and solve the problem of messy images of the article renting market such as fake intermediary running, long rented article 'explosion bin'. When the mortgage of the article is involved, various right information of the article is shared through a blockchain technology, so that risks caused by leasing rights and property transfer on the escort can be reduced in the process of changing the right of the article, and meanwhile, the capability of dynamically evaluating the value of the escort can be packaged into corresponding cloud services for carrying out capability output among industries, and the leasing rights are created as credit environments of the escort.
Referring to fig. 1, a flow diagram of a method for renting articles based on blockchain is shown. As shown in fig. 1, the method specifically includes the following steps:
s101: receiving an article renting request, and determining an article renting time period, a renting amount and an article lessee of a target article requested to be rented, which are indicated by the article renting request;
in the process of specifically performing step S101, the item rental request indicates an item rental period, a rental amount, and an item tenant of the target item requested to be rented by the item tenant. When receiving the article renting request sent by the article renter, further determining the article renting time period, the renting amount and the article renter of the article which request to rent the target article indicated by the article renting request.
In an embodiment of the application, an item lease request sent by an item lessor may also be received.
In the embodiment of the application, the item lease time period can be from 2019 month to 2019 month 10 month, from 2019 month to 2019 month 12 month, and from 2019 month 1 to 2020 month 1. The rental amount may be the amount that the item tenant needs to pay to rent the item for one month. The specific content of the item lease time period and the specific content of the lease amount can be set according to actual conditions, and the embodiment of the application is not limited.
It should be noted that the article may be a house, an automobile, jewelry, a mobile phone, or the like. The configuration may be performed according to actual situations, and the embodiment of the present application is not limited.
S102: acquiring historical transfer information of a target object stored in a block chain, wherein the historical transfer information comprises historical lease information and historical mortgage information;
in an embodiment of the application, for each item, historical transfer information for that item is stored on the blockchain. And after receiving the item lease request, acquiring the historical transfer information of the target item from the historical transfer information of the item stored on the blockchain according to the target item which is indicated by the item lease request and is requested to be leased.
In the embodiment of the application, the corresponding relation between the object ID and the history transfer information of the object can be preset. After receiving the article renting request, determining a target article ID of the target article according to the target article which is indicated by the article renting request and is requested to be rented; according to the corresponding relation between the preset article ID and the history transfer information of the article, acquiring the history transfer information corresponding to the target article ID from the history transfer information of the article stored in the block chain; and further determining the acquired history transfer information corresponding to the target item ID as the history transfer information of the target item.
S103: determining a right owner of the target object in the object leasing time period according to the historical transfer information, wherein the right owner is a mortgage right owner or a leasing right owner;
in the embodiment of the application, after the historical transfer information of the target object stored in the blockchain is acquired, the historical transfer information of the target object in the object lease time period is determined according to the historical transfer information, and then the right owner of the target object in the determined historical transfer information is acquired, wherein the historical transfer information comprises the historical lease information and the historical mortgage information, and the right owner of the target object can be the mortgage right owner or the lease right owner.
The historical transfer information may include item ID, transfer time, rights owner, rights type; when the right type in the history transfer information is a mortgage right type, the history transfer information is history mortgage information; when the right type in the history transfer information is the rental right type, the history transfer information is history rental information.
For example, historical transfer information for item 1 is stored in the blockchain, wherein the historical transfer information includes 2 pieces of historical rental information and 1 piece of historical mortgage information. The historical lease information 1 may be a lease right owner of the article 1 in a period of 2019, 1-2019, 3, 1, the lease right owner 1, the historical lease information 2 may be a lease right owner of the article 1 in a period of 2019, 3, 1-2019, 5, 1, the lease right owner 2, and the historical mortgage information may be a mortgage right owner of the article 1 in a period of 2019, 5, 1-2030, 1, the mortgage right owner 3.
If it is determined that the item lease time period of the item 1 requested to lease is 2019, 1 st to 2019, 5 st 1 st, indicated by the currently received item lease request, historical transfer information of the item 1 is obtained from the blockchain. And then, the 2 rights owners of the article 1 in the article leasing time period can be determined according to the historical transfer information of the article 1, namely, the leasing rights owner 1 and the leasing rights owner 2.
If it is determined that the item lease time period of the item 1 requested to lease is 2019, 1 st to 2019, 7 st 1 st, indicated by the currently received item lease request, historical transfer information of the item 1 is obtained from the blockchain. And then, 3 rights owners of the article 1 in the article leasing time period can be determined according to the historical transfer information of the article 1, namely, the leasing rights owner 1, the leasing rights owner 2 and the mortgage rights owner 3.
S104: determining whether the article lease request meets preset lease conditions or not based on the rights-holder; if the item rental request satisfies the rental condition, step S105 is executed.
In the embodiment of the application, a rental condition is preset, after determining the right owner of the target object in the object rental period, whether the object rental request meets the preset rental condition is determined based on the right owner, and if the object rental request meets the rental condition, step S105 is executed.
S105: and generating lease information related to the article lease request, storing the lease information in the blockchain, and transferring the lease amount from the bank account of the article lessee to the bank account of the right owner.
In the embodiment of the application, when the article lease request meets the preset lease condition, lease information related to the article lease request is generated and stored in the blockchain. And transfer the rental amount from the item tenant's bank account to the rights-holder's bank account.
In the embodiment of the application, after the generated lease information related to the item lease request is stored in the blockchain, the lease information can be regarded as the historical lease information of the target item.
Further, according to the method for renting the blockchain objects, which is provided by the embodiment of the application, the object mortgage request can be received, mortgage information of the mortgage object can be generated after an intelligent contract of the object mortgage request is generated, and the mortgage information is stored in the blockchain, wherein the mortgage information stored in the blockchain can be regarded as historical mortgage information.
Furthermore, the application can store the intelligent contract of the item mortgage request into the blockchain so as to facilitate the subsequent application.
The invention provides a block chain-based article renting method, which comprises the steps of determining an article renting time period, a renting amount and an article carrier of a target article requested to be rented, which are indicated by an article renting request, after receiving the article renting request; determining rights-holders of the target items in the item lease time period according to the historical transfer information of the target items obtained from the blockchain; and under the condition that the determined right owner determines that the article lease request meets the preset lease condition, generating lease information related to the article lease request and storing the lease information on the blockchain, so as to realize the publicity of the lease right. And after the generated lease information is stored in the blockchain, transferring the lease amount value from the bank account of the article carrier to the bank account of the owner, thereby realizing online article lease and further ensuring the rights of the leasing parties.
When the right owner according to the embodiment of the present invention is the right owner, step S102 disclosed in fig. 1 of the present invention determines, based on the right owner, whether the article rental request meets the preset rental condition, as shown in fig. 2, specifically includes the following steps:
s201: judging whether lease identification information of each rights-holder is stored in the blockchain, wherein the lease identification information of the rights-holder characterizes that the rights-holder agrees to the article lease request; if lease identification information of all rights owners is stored in the blockchain, executing step S202; if the target rights-holder exists among the rights-holders, step S203 is performed.
In the embodiment of the application, for each right owner of a target object, after receiving an operation that the right owner agrees to an object lease request, lease identification information corresponding to the right owner is generated in response to the operation that the right owner agrees to the object lease request, and lease identification information corresponding to the right owner is stored in a blockchain.
In the specific execution of step S201, when each right owner of the target object in the object renting period is determined according to the history transfer information and each right owner is a renting right owner, it may be determined whether the renting identification information of each right owner is stored in the blockchain, if the renting identification information of each right owner is stored in the blockchain, that is, each right owner of the target object in the object renting period agrees to the object renting request, and further it may be determined that the object renting request satisfies the renting condition; if the leasing identification information of any one or more rights-holder of the rights-holders is not stored in the blockchain, namely, the target rights-holder exists in the rights-holder, it is determined that the article leasing request does not meet the leasing condition. Wherein, for each of the respective rights-holders determined in step S103, if the lease information identification of the rights-holder with respect to the item lease request is not stored in the blockchain, the rights-holder is considered as the target rights-holder.
S202: determining that the article lease request meets lease conditions;
in the embodiment of the application, if the leasing identification information of each right owner is stored in the blockchain, it can be determined that the article leasing request meets the leasing condition.
S203: and determining that the item lease request does not meet the lease condition.
In the embodiment of the application, if a target right owner exists in the right owners, the object lease request is determined not to meet the lease condition.
Further, in the embodiment of the present application, if the rights-holder has the target rights-holder, a prompt message may be sent to the target rights-holder to prompt whether the target rights-holder agrees to the article rental request; if the operation of confirming agreement of the object leasing request by the target right owner is received, determining that the object leasing request meets the leasing condition; if the target right owner receives the operation that the object renting request is not approved, the object renting request is determined to not meet the renting condition.
In the embodiment of the application, the prompt information may be whether to approve the article lease request of the target article. Regarding the specific content of the prompt information, the inventor can set according to his own needs, and the embodiment of the application is not limited.
Further, in the embodiment of the present application, after sending the prompt message to the target rights-holder, whether the operation of the target rights-holder agreeing to the item lease request is received within the preset time is also determined, and if the operation of the target rights-holder agreeing to the item lease request is received within the preset time, it is determined that the item lease request satisfies the lease condition; if the operation of agreeing to the article lease request sent by the target rights holder is not received within the preset time, determining that the article lease request does not meet the lease condition.
The preset time may be set to 10 minutes, or 20 minutes, or 30 minutes. The inventor can set specific values of the preset time according to his own needs, and the embodiment of the present application is not limited.
When the right owner related to the embodiment of the present application is a mortgage right owner, step S102 disclosed in fig. 1 of the present application determines whether the article rental request meets the preset rental condition based on the right owner, as shown in fig. 3, and specifically includes the following steps:
s301: acquiring an intelligent contract for mortgage of the target object to the right owner from the blockchain;
In an embodiment of the application, an item mortgage request requesting to mortgage a target item to an entitlement owner is determined, and an intelligent contract for the item mortgage request is obtained from a blockchain. Wherein the smart contract includes an amount of money required to be paid to the mortgage rights holder monthly after the item is mortgage to the mortgage rights holder, which may be referred to as a target amount for ease of differentiation.
S302: obtaining a target amount from the smart contract;
s303: judging whether the rent amount is smaller than the target amount; if the rental amount is less than the target amount, executing step S304; if the rental amount is not less than the target amount, step S305 is performed.
According to the embodiment of the application, when each right owner of a target object in an object lease time period is determined according to historical transfer information and each right owner is a mortgage right owner, the following process is executed for each mortgage right owner: acquiring an intelligent contract for mortgage of the target object to the right owner from the blockchain, further acquiring the amount required to be paid to the right owner in each month after mortgage of the target object to the right owner from the intelligent contract, judging whether the rent amount is smaller than the target amount, and if the rent amount is smaller than the target amount, determining that the right owner does not meet the rent condition; if the lease amount is not less than the target amount, it is determined that the rights-holder satisfies the lease condition. Correspondingly, after determining each right owner of the target object in the object lease time period according to the history transfer information, if the determined right owners have right owners which do not meet the lease conditions, the object lease request does not meet the lease conditions; if each right owner meets the lease condition, the article lease request can be determined to meet the lease condition.
S304: determining that the article lease request does not meet the lease condition;
s305: and determining that the article lease request satisfies the lease condition.
In the embodiment of the application, when the number of right owners of a target object in an object lease time period is 1 according to historical transfer information and the right owners are mortgage right owners, an object mortgage request for mortgage the target object to the mortgage right owners is determined, an intelligent contract of the object mortgage request is acquired from a blockchain, after the target amount is acquired from the intelligent contract, whether the lease amount of the object lease request indicated by the object lease request is smaller than the target amount is judged, if the lease amount is smaller than the target amount, the object lease request is determined to not meet the lease condition; if the lease amount is not less than the target amount, it is determined that the item lease request satisfies a lease condition. For example, when the target amount obtained from the smart contract is 1500 yuan/month, if the rental amount of the object item requested to be rented indicated by the item rental request is 1600 yuan/month, since 1600 yuan/month is not less than 1500 yuan/month, it can be determined that the rental amount is not less than the target amount, and further it is determined that the item rental request satisfies the rental condition. Otherwise, if the rental amount of the object item requested for rental indicated by the item rental request is 1400 yuan/month, since 1400 yuan/month is less than 1500 yuan/month, it can be determined that the rental amount is less than the object amount, and further it is determined that the item rental request does not satisfy the rental condition.
Further, in the embodiment of the present application, in the case that it is determined that the rights-holder of the target item is plural in the item-leasing period, and each determined rights-holder includes a mortgage rights-holder and a leasing rights-holder, the target rights-holder exists in each leasing rights-holder in each determined rights-holder, or, if a mortgage rights-holder that does not satisfy the leasing condition exists in each mortgage rights-holder in each determined rights-holder, then the item-leasing request is considered to not satisfy the leasing condition; otherwise, the article lease request is considered to meet the lease condition.
As a preferred implementation manner of the embodiment of the present application, in a case that it is determined that the rights-holder of the target item is plural in the item-rental period, and each determined rights-holder includes a mortgage rights-holder and a rental rights-holder, it may be determined whether the item-rental request satisfies the rental condition by:
judging whether lease identification information of all leasing rights is stored in the blockchain;
if the leasing identification information of all leasing rights owners is stored in the blockchain, whether the leasing amount is not smaller than each target amount in all target amounts can be further judged; and if the leasing amount is not smaller than each target amount in the target amounts, determining that the article leasing request meets the leasing condition. If the leasing amount is smaller than any one of the target amounts, determining that the article leasing request does not meet the leasing condition, wherein the target amount is the target amount in an intelligent contract which is obtained from the blockchain and mortgage the target article to the mortgage right owner.
If the target rights-holder exists in all the leasing rights-holders stored in the blockchain, determining that the item leasing request does not meet the leasing condition. Wherein, the leasing identification information of the target right owner is not stored in the blockchain.
Step S105 disclosed in the above embodiment of the present application in fig. 1 transfers the rental amount from the bank account of the article lessee to the bank account of the right owner, see fig. 4, specifically includes the following steps:
s401: determining the total lease amount according to the item lease time period and the lease amount;
in a process of specifically performing step S401, a total rental amount may be determined according to the item rental period and the rental amount of the requested rental target item indicated by the determined item rental request.
In the embodiment of the present application, the rental amount of the target object may be an amount to be paid for one month of the object renter to rent the target object, and the manner of determining the total rental amount according to the object renting time period and the rental amount may be: dividing the item lease time period by one month, and multiplying the product lease time period by the lease amount to obtain the total lease amount.
For example, the item rental period of the requested rental item 1 indicated by the item rental request is 2019, 1 st to 2019, 7 st 1 st, i.e., the item rental period is 6 months, and the rental amount of the item 1 is 1600 yuan/month. Dividing 6 by 1 to obtain 6, multiplying 6 by 1600 to obtain 9600, and determining the total lease amount to be 9600 yuan according to the lease time period and the lease amount of the goods.
The foregoing is merely a preferred manner of calculating the total rental amount provided by the embodiments of the present application, and the inventor may set the preferred manner of calculating the total rental amount according to his/her own needs, which is not limited by the embodiments of the present application.
S402: transferring the total lease amount from the bank account of the item lessee;
in the embodiment of the application, after the total lease amount is determined according to the item lease time period and the lease amount, the total lease amount is transferred from the bank account of the item lessee. For example, when the total rental amount determined from the item rental period and the rental amount is 9600, 9600 is transferred from the item tenant's bank account.
S403: determining mortgage time length of a mortgage right person in the item lease time period;
in the embodiment of the application, the mortgage time length of the mortgage right person in the item lease time period can be determined according to the historical mortgage information in the historical transfer information of the target item acquired from the blockchain.
For example, when the historical mortgage information is the mortgage rights-holder 3 of the item 1 in the period from 5 months 1 to 2030 months 1, if it is determined that the item lease period for requesting to lease the item 1 indicated by the currently received item lease request is from 1 month 1 in 2019 to 7 months 1 in 2019, it may be determined that the mortgage duration of the mortgage rights-holder in the item lease period is 2 months.
S404: calculating a first amount according to the target amount and the mortgage time length of the mortgage right person;
in the embodiment of the application, after the mortgage time length of the mortgage right person in the item lease time period is determined, the first amount is calculated according to the target amount and the mortgage time length of the mortgage right person.
In the embodiment of the present application, the target amount of the mortgage right person may be an amount to be paid to the mortgage right owner monthly after the target object is mortgage to the mortgage right owner, and the method for calculating the first amount according to the target amount and the mortgage duration of the mortgage right person may be: dividing mortgage time of the mortgage right person by one month, and multiplying the mortgage time by the target amount to obtain a first amount.
For example, when the mortgage duration of the mortgage rights person in the item lease period is determined to be 2 months, if the target amount of the mortgage rights person is 1500 yuan/month, dividing 2 months by 1 month to be 2, multiplying 2 by 1500 to be 3000, and obtaining the first amount to be 3000 yuan.
The foregoing is merely one preferred manner of calculating the first amount provided in the embodiments of the present application, and the inventor may set the manner of calculating the first amount according to his own needs, which is not limited to the embodiments.
S405: determining a second amount of the total lease amount remaining in addition to the first amount;
in the embodiment of the application, after the total lease amount is determined according to the item lease time period and the lease amount and the first amount is calculated according to the target amount of the mortgage right person and the mortgage time length, the second amount which is remained in the total lease amount except the first amount is determined.
In the embodiment of the present application, the manner of determining the remaining second amount of the total rental amount except the first amount may be: and the total leasing amount is differed from the first amount, and the result is the second amount. For example, when the total lease amount determined according to the item lease time period and the lease amount is 9600 yuan, and the first amount calculated according to the target amount of the mortgage right person and the mortgage time length is 3000, the first amount is 6600 obtained by subtracting 3000 from 9600, and the second amount is 6600 yuan.
S406: determining a target time period of each leasing right owner having leasing rights in the leasing time period;
in the embodiment of the application, the target time period of each leasing right owner having the leasing right in the item leasing time period can be determined according to the historical leasing information in the historical transfer information of the target item acquired from the blockchain.
S407: and distributing the second amount according to each target time period, determining the third amount of each target time period, and transferring the third amount of the target time period to the bank account of the mortgage right owner of the target time period.
In the embodiment of the application, after determining the target time period of each leasing right owner having the leasing right in the article leasing time period, the second amount can be distributed according to each target time period, and the third amount of each target time period is determined, so that the third amount of the target time period is transferred to the bank account of the mortgage right owner of the target time period.
For example, historical transfer information for item 1 is stored in the blockchain, wherein the historical transfer information includes 2 pieces of historical rental information and 1 piece of historical mortgage information. The historical lease information 1 may be a lease rights owner 1 of the item 1 in a period of 2019 month 1 No. 1 to 2019 month 3 No. 1, the historical lease information 2 may be a lease rights owner 2 of the item 1 in a period of 2019 month 1 No. 1 to 2019 month 5 No. 1, and the historical mortgage information may be a mortgage rights owner 3 of the item 1 in a period of 2019 month 5 month 1 No. 1 to 2030 month 1.
If it is determined that the item lease time period of the item 1 requested to lease is 2019, 1 st to 2019, 7 st 1 st, and the lease amount of the item 1 is 1600 yuan/month, the total lease amount can be determined to be 9600 yuan according to the item lease time period and the lease amount; if the target amount of the mortgage right person is 1500 yuan/month, calculating the first amount of money to be 3000 yuan according to the target amount of the mortgage right person and the mortgage time length; further, it may be determined that the second amount of the total rental amount, which is the remainder of the total rental amount, is 6600.
According to the historical transfer information of the article 1, determining that the rental rights of the article 1 are owned by the rental rights owner 1 and the rental rights owner 2 in the article rental period, it can be determined that the target period of time for which the rental rights owner 1 has the rental rights in the rental period is 2 months, and the target period of time for which the rental rights owner 1 has the rental rights in the rental period is 2 months. Further, it may be determined that the third amount of the target period corresponding to the rental right owner 1 is 3300 (6600/2=3300), and the third amount of the target period corresponding to the rental right owner 2 is 3300.
Corresponding to the above-mentioned method for renting articles based on blockchain provided in the embodiments of the present invention, as shown in fig. 5, the embodiment of the present invention further provides a schematic structural diagram of an article renting device based on blockchain. The article rental apparatus includes:
A receiving unit 51, configured to receive an article rental request, and determine an article rental period, a rental amount, and an article carrier of the article requested to be rented for the target article indicated by the article rental request;
a first obtaining unit 52, configured to obtain history transfer information of the target item stored in the blockchain, where the history transfer information includes history rental information and history mortgage information;
a first determining unit 53 for determining, based on the history transfer information, a rights-holder of the target item in the item rental period, the rights-holder being a mortgage rights-holder and a rental-holder;
a first judging unit 54 for determining whether the article rental request satisfies a preset rental condition based on the rights-holder;
and the generating unit 55 is configured to generate rental information related to the item rental request, store the rental information in the blockchain, and transfer the rental amount from the bank account of the item carrier to the bank account of the rights owner if the item rental request information satisfies the rental condition.
The specific principle and the execution process of each unit in the block chain-based item leasing device disclosed in the embodiment of the present invention are the same as those of the block chain-based item leasing method disclosed in the embodiment of the present invention, and may refer to corresponding parts in the block chain-based item leasing method disclosed in the embodiment of the present invention, and no further description is given here.
The application provides a block chain-based article renting device, which is used for determining an article renting time period, a renting amount and an article carrier of a target article requested to be rented, which are indicated by an article renting request, after receiving the article renting request; determining rights-holders of the target items in the item lease time period according to the historical transfer information of the target items obtained from the blockchain; and under the condition that the determined right owner determines that the article lease request meets the preset lease condition, generating lease information related to the article lease request and storing the lease information on the blockchain, so as to realize the publicity of the lease right. And after the generated lease information is stored in the blockchain, transferring the lease amount value from the bank account of the article carrier to the bank account of the owner, thereby realizing online article lease and further ensuring the rights of the leasing parties.
In an embodiment of the present application, preferably, if the rights owner is a leasing rights owner, the first determining unit includes:
the second judging unit is used for judging whether the leasing identification information of each right owner is stored in the blockchain, and the leasing identification information of the right owner characterizes the right owners to agree with the article leasing request;
The second determining unit is used for determining that the article lease request meets the lease condition if lease identification information of all rights owners is stored in the blockchain;
a third determining unit, configured to determine that the article lease request does not satisfy the lease condition if a target rights-holder exists among the rights-holders; rental identification information of the target rights owner is not stored in the blockchain.
Further, the blockchain-based item leasing device provided by the embodiment of the application further comprises:
the sending unit is used for sending prompt information to the target rights owner, wherein the prompt information is used for prompting whether the target rights owner agrees with the article lease request;
a fourth determining unit, configured to determine that the item lease request satisfies the lease condition if an operation for determining to agree to the item lease request by the target rights holder is received;
and the third determining unit is further used for determining that the article lease request does not meet the lease condition if the operation that the target rights owner determines not to agree with the article lease request is received.
In an embodiment of the present application, preferably, if the rights owner is a mortgage rights owner, the first determining unit includes:
a second obtaining unit for obtaining an intelligent contract for mortgage of the target object to the right owner from the blockchain;
A third acquisition unit configured to acquire a target amount from the smart contract;
a third judging unit for judging whether the rental amount is smaller than the target amount;
a fifth determining unit, configured to determine that the article lease request does not satisfy the lease condition if the lease amount is less than the target amount;
and a sixth determining unit, configured to determine that the article lease request satisfies the lease condition if the lease amount is not less than the target amount.
In an embodiment of the present application, preferably, if it is determined that the rights-holder of the target object is plural in the object renting period, and each of the determined rights-holders includes a mortgage rights-holder and a renting rights-holder, the first determining unit includes:
a fourth judging unit, configured to judge whether rental identification information of all owners of each rental right is stored in the blockchain;
a fifth judging unit, configured to judge whether the rental amount is not less than each target amount in the target amounts if the rental identification information of each rental right owner is stored in the blockchain, where the target amount is a target amount in an intelligent contract obtained from the blockchain for mortgage the target item to the mortgage right owner;
and a seventh determining unit, configured to determine that the article lease request satisfies the lease condition if the lease amount is not less than each of the target amounts.
In an embodiment of the present application, preferably, the generating unit includes:
the total lease amount determining unit is used for determining the total lease amount according to the item lease time period and the lease amount;
a transfer-out unit for transferring out the total lease amount from the bank account of the article lessee;
the mortgage time length determining unit is used for determining the mortgage time length of the mortgage right person in the article leasing time period;
the first amount calculating unit is used for calculating the first amount according to the target amount of the mortgage right person and the mortgage time length;
and the distribution unit is used for transferring the first amount to a bank account of the mortgage rights person and distributing the second amount which is remained in the total leasing amount except the first amount to each leasing rights owner.
In an embodiment of the present application, preferably, the distribution unit includes:
a second amount determining unit configured to determine a second amount remaining in the total rental amount other than the first amount;
an eighth determining unit for determining a target time period in which each rental right owner has a rental right in the rental time period;
and the allocation subunit is used for allocating the second amount according to each target time period, determining the third amount of each target time period, and transferring the third amount of the target time period to the bank account of the mortgage right owner of the target time period.
The following describes in detail a hardware structure of a server to which the blockchain-based item rental method provided by the embodiment of the present application is applicable, taking an example that the blockchain-based item rental method is applied to the server.
The article renting method based on the blockchain provided by the embodiment of the application can be applied to a server, wherein the server can be a service device for providing services for users by a network side, and the service device can be a server cluster formed by a plurality of servers or a single server.
Optionally, fig. 6 is a block diagram showing a hardware structure of a server, to which the blockchain-based article renting method is applicable, according to an embodiment of the present application, and referring to fig. 6, the hardware structure of the server may include: a processor 61, a memory 62, a communication interface 63 and a communication bus 64;
in the embodiment of the present application, the number of the processor 61, the memory 62, the communication interface 63 and the communication bus 64 may be at least one, and the processor 61, the memory 62 and the communication interface 63 complete communication with each other through the communication bus 64;
processor 61 may be a central processing unit CPU, or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present application, etc.;
The memory 62 may comprise a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory) or the like, such as at least one disk memory;
wherein the memory stores a program, and the processor is operable to invoke the program stored in the memory, the program being operable to:
receiving an article renting request, and determining an article renting time period, a renting amount and an article lessee of a target article requested to be rented, which are indicated by the article renting request;
acquiring historical transfer information of a target object stored in a block chain, wherein the historical transfer information comprises historical lease information and historical mortgage information;
determining a right owner of the target object in the object leasing time period according to the historical transfer information, wherein the right owner is a mortgage right owner or a leasing right owner;
determining whether the article lease request meets preset lease conditions or not based on the rights-holder;
if the article lease request meets the lease condition, lease information related to the article lease request is generated and stored in the blockchain, and lease amount is transferred from a bank account of an article lessee to a bank account of a right owner.
For the function of the program, refer to the detailed description of a blockchain-based item rental method provided in the embodiments of the present application, and the detailed description is omitted here.
Further, the embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer executable instructions for executing the above-mentioned blockchain-based item leasing method.
For details of computer executable instructions, reference is made to the above detailed description of a blockchain-based item rental method according to the embodiments of the present application, which is not repeated herein.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present application without undue burden.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (9)
1. A blockchain-based item rental method, comprising:
receiving an article renting request, and determining an article renting time period, a renting amount and an article lessee of a target article requested to be rented, which are indicated by the article renting request;
acquiring historical transfer information of the target object stored in a blockchain, wherein the historical transfer information comprises historical lease information and historical mortgage information;
determining a rights-holder of the target item in the item lease period according to the history transfer information, wherein the rights-holder is a mortgage rights-holder or a lease rights-holder;
determining whether the article lease request satisfies a preset lease condition based on the rights-holder;
if the article lease request meets the lease condition, generating lease information related to the article lease request, storing the lease information into the blockchain, and transferring the lease amount from a bank account of the article lessee to a bank account of the right owner;
if the rights-holder is a rights-holder, the determining, based on the rights-holder, whether the article-rental request meets a preset rental condition includes:
Judging whether lease identification information of each right owner is stored in the blockchain, wherein the lease identification information of the right owners characterizes the right owners to agree with the article lease request;
if the block chain stores the lease identification information of each right owner, determining that the article lease request meets the lease condition;
if a target right owner exists in the right owners, determining that the article lease request does not meet the lease condition; and the block chain does not store lease identification information of the target right owner.
2. The method according to claim 1, characterized in that the method further comprises:
sending prompt information to the target rights-holder, wherein the prompt information is used for prompting whether the target rights-holder agrees with the article lease request;
if the target right owner receives the operation of determining to agree with the article lease request, determining that the article lease request meets the lease condition;
the determining that the item rental request does not satisfy the rental condition includes: and if the target right owner receives the operation of determining that the object lease request is not approved, determining that the object lease request does not meet the lease condition.
3. The method of claim 1, wherein if the rights-holder is a mortgage rights-holder, the determining whether the item rental request meets a preset rental condition based on the rights-holder comprises:
obtaining an intelligent contract from the blockchain to mortgage the target item to the rights-holder;
obtaining a target amount from the smart contract;
judging whether the leasing amount is smaller than the target amount;
if the lease amount is less than the target amount, determining that the item lease request does not satisfy the lease condition;
and if the leasing amount is not less than the target amount, determining that the article leasing request meets the leasing condition.
4. The method of claim 1, wherein if it is determined that the rights-holder for the target item is plural for the item-rental period, and each of the rights-holders determined includes a mortgage rights-holder and a rental rights-holder, the determining whether the item-rental request satisfies a preset rental condition based on the rights-holder includes:
judging whether lease identification information of each lease right owner is stored in the blockchain;
If the block chain stores the lease identification information of each leasing right owner, judging whether the lease amount is not less than each target amount in each target amount, wherein the target amount is a target amount in an intelligent contract which is acquired from the block chain and mortgage the target object to the mortgage right owner;
and if the lease amount is not less than each target amount in the target amounts, determining that the article lease request meets the lease condition.
5. The method of claim 1, wherein the transferring the rental amount from the item tenant's bank account to the rights-holder's bank account comprises:
determining the total lease amount according to the item lease time period and the lease amount;
transferring the total rental amount from the bank account of the item tenant;
determining mortgage duration of the mortgage right owner in the item lease time period;
calculating a first amount according to the target amount of the mortgage right owner and the mortgage duration;
and transferring the first amount to a bank account of the mortgage rights holder, and distributing the second amount of the total leasing amount, which is remained except the first amount, to each leasing rights holder.
6. The method of claim 5, wherein the assigning a second amount of the total rental amount that remains in addition to the first amount to each of the rental rights owners comprises:
determining a second amount of the total rental amount remaining in addition to the first amount;
determining a target time period of which each leasing right owner has leasing rights in the leasing time period;
and distributing the second amount according to each target time period, determining the third amount of each target time period, and transferring the third amount of the target time period to the bank account of the mortgage right owner of the target time period.
7. A blockchain-based item rental device, comprising:
the receiving unit is used for receiving the article renting request and determining an article renting time period, a renting amount and an article carrier of the article which are indicated by the article renting request and request for renting the target article;
a first obtaining unit, configured to obtain history transfer information of the target item stored in a blockchain, where the history transfer information includes history lease information and history mortgage information;
a first determining unit, configured to determine, according to the historical transfer information, a rights-holder of the target item in the item lease period, where the rights-holder is a mortgage rights-holder and a lease-holder;
A first judging unit, configured to determine, based on the rights-holder, whether the article rental request meets a preset rental condition;
the generation unit is used for generating and storing the lease information related to the article lease request to the blockchain if the article lease request information meets the lease condition, and transferring the lease amount from the bank account of the article carrier to the bank account of the right owner;
if the rights-holder is a rights-holder, the determining, based on the rights-holder, whether the article-rental request meets a preset rental condition includes:
judging whether lease identification information of each right owner is stored in the blockchain, wherein the lease identification information of the right owners characterizes the right owners to agree with the article lease request;
if the block chain stores the lease identification information of each right owner, determining that the article lease request meets the lease condition;
if a target right owner exists in the right owners, determining that the article lease request does not meet the lease condition; and the block chain does not store lease identification information of the target right owner.
8. A server, comprising: at least one memory and at least one processor; the memory stores a program, and the processor invokes the program stored in the memory, the program for implementing the blockchain-based item rental method of any of claims 1-6.
9. A computer readable storage medium having stored therein computer executable instructions for performing the blockchain-based item rental method of any of claims 1-6.
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| CN113657967A (en) * | 2021-08-23 | 2021-11-16 | 千里马(武汉)桩机数字化服务有限公司 | On-line mechanical leasing method |
| CN116993467B (en) * | 2023-03-27 | 2024-04-05 | 广州智租信息科技有限责任公司 | Leasing account generation method, leasing account generation system, computer equipment and medium |
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