CN113222664B - Article recycling transaction processing method based on block chain - Google Patents

Article recycling transaction processing method based on block chain Download PDF

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CN113222664B
CN113222664B CN202110511517.7A CN202110511517A CN113222664B CN 113222664 B CN113222664 B CN 113222664B CN 202110511517 A CN202110511517 A CN 202110511517A CN 113222664 B CN113222664 B CN 113222664B
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loan
article
record
block chain
transaction platform
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CN113222664A (en
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刘文慧
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/30—Administration of product recycling or disposal
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02W—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO WASTEWATER TREATMENT OR WASTE MANAGEMENT
    • Y02W90/00—Enabling technologies or technologies with a potential or indirect contribution to greenhouse gas [GHG] emissions mitigation

Abstract

One or more embodiments of the present specification provide a block chain-based item recycling transaction processing method. The transaction platform adopts a light-operated second-hand article transaction mode, obtains a loan from a loan party in an article recycling stage, and pays a valuation to an article seller by using the loan. Meanwhile, the transaction platform submits the recovery records containing the article identification and the article valuation to the blockchain network for deposit, and the lender submits the record identification containing the recovery records and the loan amount loan record to the blockchain network for deposit after monitoring the recovery records submitted by the transaction platform from the blockchain network.

Description

Article recycling transaction processing method based on block chain
Technical Field
One or more embodiments of the present disclosure relate to the field of information technology, and in particular, to an article recycling transaction processing method based on a block chain.
Background
At present, the main mode of online transaction of second-hand articles is that a seller user requests a transaction platform to recycle articles, the transaction platform evaluates the articles, the transaction platform pays the seller user according to the evaluation, the articles are recycled and sold with a price listing higher than the recycling money, when a buyer user wants to buy the articles, the transaction platform sells the articles to the buyer user, and a difference is earned.
This transaction model is heavily operated for the transaction platform, which needs to keep a lot of items and pay back a lot of items, and has a high pressure on inventory and funds.
For this reason, existing trading platforms have been exploring a light-operated second-hand item trading mode in order to offload the inventory and capital pressure of the trading platform. However, the transaction mode of the lightly operated second-hand goods is often required to solve the problem of lack of credible reconciliation means between the transaction platform and the inventory party and the fund party.
Disclosure of Invention
In order to solve the technical problem that a trusted reconciliation means is lacking between a transaction platform and a stock party and a fund party in a lightly operated second-hand item transaction mode, an embodiment of the present specification provides an item recovery transaction processing method based on a block chain, and the technical scheme is as follows:
according to aspect 1 of embodiments of the present specification, there is provided a transaction platform device for determining an item requested to be retrieved by a seller user and, upon determining that the item is genuine, determining an item valuation;
the trading platform device constructs a recovery record containing an article identifier and the article valuation and submits the recovery record to a block chain network;
after monitoring the recovery record from the block chain network, the loan party equipment constructs a loan record containing the record identification of the recovery record, the loan amount and the loan time, and submits the loan record to the block chain network; the loan amount is equivalent to the valuation;
the loan direction transaction platform issues a loan of the loan amount and keeps the articles; the transaction platform pays the item valuation to the seller user.
According to a 2 nd aspect of embodiments herein, there is provided a reselling transaction processing method for an item recovered by the method of the 1 st aspect, comprising:
the transaction platform device determining an item requested for purchase by a buyer user;
the transaction platform device constructs a resale record containing an article identifier, an article selling price and resale time, and submits the resale record to a block chain network;
the block chain network executes the deployed intelligent contract according to the resale record, and the method comprises the following steps: obtaining the loan amount and loan putting time corresponding to the article identification from the block chain, and calculating loan interest based on the loan amount, the loan putting time and the resale time;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
According to the technical scheme provided by the embodiment of the specification, the transaction platform adopts a lightly operated second-hand article transaction mode, obtains a loan from a loan party in an article recycling stage, and pays a valuation to an article seller by using the loan. Meanwhile, the transaction platform submits the recovery records containing the article identification and the article valuation to the blockchain network for deposit, and the lender submits the record identification containing the recovery records and the loan amount loan record to the blockchain network for deposit after monitoring the recovery records submitted by the transaction platform from the blockchain network.
And the transaction platform collects the price from the buyer user in the stage of resale the goods, and pays the loan and interest to the loan party by using the collected price. Meanwhile, the transaction platform submits the resale records containing the article identification, the article selling price and the resale time to the block chain network, and the block chain network calculates the loan interest which needs to be paid back by the transaction platform by using the credible data in the block chain in a mode of executing an intelligent contract.
Through the embodiment of the specification, the problem that a credible reconciliation means is lacked between a transaction platform and a lender (which is an inventory party and a fund party) can be solved, and the following technical effects can be realized:
1. in the article recycling stage, the block chain network writes the recycling record submitted by the transaction platform into the block chain for evidence storage on one hand, and writes the loan record submitted by the lender into the block chain for evidence storage on the other hand. The loan record and the recovery record have relevance, and the credible account checking can be realized by comparing the loan record and the recovery record.
2. In the article resale stage, the block chain network writes the resale records submitted by the trading platform into the block chain for deposit evidence on one hand, and calls and executes an intelligent contract based on the resale records on the other hand, and determines the loan interest which the trading platform should pay for the lender by using the credible data (such as loan amount, loan time and resale time) written or to be written into the block chain. Because the execution result of the intelligent contract is usually anchored to the block chain and the loan interest is contained in the execution result, the evidence saving effect of the calculated loan interest is also realized.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of embodiments of the invention.
In addition, any one of the embodiments in the present specification is not required to achieve all of the effects described above.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present specification, and other drawings can be obtained by those skilled in the art according to the drawings.
FIG. 1 is a schematic diagram of a second-hand transaction mode of a lightly-operated item provided herein;
fig. 2 is a schematic flow chart of an article recycling transaction processing method based on a block chain according to an embodiment of the present disclosure;
FIG. 3 is a schematic diagram of another second-hand transaction mode of lightly-operated items provided by embodiments of the present description;
fig. 4 is a schematic flowchart of a block chain-based item resale transaction processing method according to an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of an article recycling transaction processing device based on a block chain according to an embodiment of the present specification;
fig. 6 is a schematic structural diagram of an article recycling transaction processing device based on a block chain according to an embodiment of the present specification;
fig. 7 is a schematic structural diagram of a reselling transaction processing device according to an embodiment of the present disclosure;
fig. 8 is a schematic structural diagram of a reselling transaction processing device according to an embodiment of the present disclosure;
FIG. 9 is a schematic diagram of a computer device for configuring the methods of the embodiments of the present description.
Detailed Description
Firstly, a transaction mode of a lightly operated second-hand article proposed by the specification is introduced. The light operation is for a second-hand transaction platform (transaction platform for short) of an article, and aims to reduce the operation cost of the transaction platform and unload the inventory pressure and fund pressure of the article. In particular, the inventory pressure and the fund pressure of the transaction platform may be transferred to a lender (such as a bank or other financial institution with lending qualifications) who, on the one hand, issues a loan for each item recovery transaction of the transaction platform so that the transaction platform pays a recovery (equal to an item valuation) to the item seller user using the loan, and, on the other hand, is responsible for keeping the items recovered by the transaction platform as a mortgage. In the commodity second-hand trading mode with the light operation of the trading platform, the trading platform earns profit by reselling recycled commodities, meanwhile, part of the earning profit is used for paying loan interest, and a loan party earns loan interest.
Fig. 1 is a schematic diagram of a second-hand transaction mode of a lightly-operated item provided in the present specification. It should be noted that the second-hand transaction mode of the article referred to herein is mainly an online transaction mode, and generally does not involve offline. In the transaction mode shown in fig. 1, there is a trust problem between the transaction platform and the lender, for example, for the recovery money involved in the recovery transaction of a certain article of the transaction platform, the transaction platform may be hidden from the lender, so as to cheat more loans from the lender; for another example, the lender may be willing to deal with the trading platform less loan, but require the trading platform to pay interest in terms of the full loan, resulting in disputes between the trading platform and the lender; for another example, the transaction platform and the lender cannot agree on the loan duration and the loan amount, which results in that the interest of the loan cannot be agreed.
The above trust problems need to be solved by a trusted reconciliation mechanism.
To this end, in one or more embodiments of the present specification, a block chain technology is used to solve the trust problem between the transaction platform and the lender, and a block chain-based trusted reconciliation mechanism is implemented. Specifically, in the article recycling stage, the transaction platform device submits a recycling record containing an article identifier and an article valuation to the blockchain network for deposit, and the lender also submits a record identifier containing the recycling record and a loan record containing the loan amount to the blockchain network for deposit after monitoring the recycling record submitted by the transaction platform from the blockchain network; in the article resale stage, the trading platform submits a resale record containing article identification, article selling price and resale time to the block chain network, and the block chain network calculates loan interest to be paid back by the trading platform by using the credible data in the block chain in a mode of executing an intelligent contract.
It should be noted that the blockchain network herein may be a public-chain network or a alliance-chain network. When the block chain network is a public chain network, a main body submitting record data to the block chain network not only has a block chain account, but also often has block chain link point identity, and can store the block chain; when the blockchain network is a federation chain network, the subject submitting the record data to the blockchain network often does not have the identity of the blockchain node, but only owns the blockchain account.
It should also be noted that, in practical applications, the data submitted and written to the blockchain is generally referred to as a transaction, and for the purpose of describing the distinction between blockchain transactions and second-hand transactions of items, the data submitted and written to the blockchain is referred to as a record.
The articles described herein may be luxury goods, digital products, and the like, for example.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 2 is a schematic flowchart of an article recycling transaction processing method based on a block chain according to an embodiment of the present specification, including the following steps:
s200: the transaction platform device determines an item requested to be reclaimed by the seller user and, upon determining that the item is genuine, determines an item valuation.
The transaction platform in the present text refers to various network intermediary platforms constructed by waiters for providing second-hand transaction of goods. The transaction platform collects the items from the item seller on the one hand and resells the collected items to the buyer at a higher price on the other hand. The trading platform device can be a server or a server cluster corresponding to the trading platform.
Generally, when a seller user wants to sell an item to a trading platform, the seller user may send a request to a trading platform device using a trading platform client installed on a terminal (e.g., a computer or a mobile phone). After the transaction platform equipment accepts the request of the seller user, the seller user can mail an article to the transaction platform so that the transaction platform can judge whether the article is a genuine article, and can upload an image of the article to the transaction platform equipment so that the transaction platform can judge whether the article is a genuine article based on the image of the article, and after the transaction platform and the seller user reach a transaction consensus, the seller user mails the article to the transaction platform or a lender appointed by the transaction platform.
The transaction platform device determines the item that the seller user requests to retrieve after determining that the transaction platform receives the item mailed by the seller user or determining that the image of the item uploaded by the seller user is received. The transaction platform device may assign an item identification to the item or, if the item has a unique identification printed thereon, may use the unique identification as the item identification.
For genuine authentication, the trading platform may submit the item or image of the item to a professional authenticator or authentication institution interfaced with the trading platform for authentication.
In addition, considering that the way of performing quality certification by a certifier or a certification authority actually belongs to a centralized way and there is a certain risk (for example, a certifier conducts a certification mistake), the embodiments of the present specification provide a quality certification scheme based on block chains, as follows:
each article authentication party (such as an article authenticator, an article authentication mechanism or an article authentication fan) can register an account in the blockchain network, and through the account monitoring blockchain network, any article authentication party can select to perform genuine article authentication on the article corresponding to the record to be authenticated submitted to the blockchain network, and feed back the authentication result to the blockchain network. It should be noted that only authenticated authenticatees may be permitted to participate in authentication through the blockchain account.
Specifically, the transaction platform device submits an authentication object record containing the item image and the item identifier to a block chain network; and after monitoring the record to be authenticated from the block chain network, at least one authenticator respectively authenticates the article images and submits the authentication result record containing the article identifier, the authenticator identifier and the authentication result to the block chain network. The identification result is usually a genuine product or a non-genuine product. The appraisal result record can also comprise information such as appraisal time, appraisal analysis opinions and the like.
In practical application, the same article can be authenticated by different authenticators for multiple times, and also can be authenticated by the same authenticator for multiple times at different times, the authentication result records of each authentication can be stored in the block chain, and each authentication result record aiming at the same article contains an article identifier, so that the source tracing of multiple authentications of the same article can be realized.
The trading platform device may determine whether the item is genuine based on each authentication result record monitored from the blockchain network. The strategy that the transaction platform judges whether the transaction platform is a genuine product or not based on each identification result record can be set according to actual needs. For example, the trading platform may consider the authentication result characterized by the majority of the authentication result records as the final result. For another example, weights may be assigned to different appraisers in advance (generally, the higher the level of expertise or the higher the weight of the appraiser with better professional word-of-speech), scores of different appraisers may be calculated based on the appraisal result given by each appraiser and the weight of each appraiser, and the appraiser with the higher score may be regarded as the final result.
In addition, whether block chain based or centralized authentication is employed, the transaction platform may pay an appropriate authentication fee to an authenticator participating in authenticating the item. In embodiments of the present description, the proof of the record of the accreditation commission may be implemented using a blockchain. In particular, the transaction platform device may submit an accreditation commission record containing an accreditation fee amount and at least one identifier of the accreditation party to the blockchain network.
In addition, in the embodiment of the present specification, the master owning the blockchain account has the ability to listen to the blockchain network through the account, and there are two main ways of listening:
1. record writing of block chains is monitored. Once a record is written to the blockchain, the blockchain account can listen to the record.
2. Monitoring smart contracts deployed in blockchain networks is responsive to events triggered by records submitted to the blockchain network. Once an event is monitored by the blockchain account, it can be known which record triggered the event.
With respect to the item valuation, the trading platform may be configured with valuation rules in advance, for example, a valuation list is established in advance, and the valuation corresponding to each item is recorded in the list.
S202: the trading platform device constructs a recovery record containing the item identification and the item valuation and submits the recovery record to the blockchain network.
In this embodiment of the present description, after the trading platform gives the item valuation, the seller user may send a confirmation message to the trading platform device if the seller user agrees, and the trading platform device will construct the recycling record after receiving the confirmation message.
As is well known in the field of blockchain technology, records submitted to a blockchain network are written into a local blockchain (or called an account book) by each node in the blockchain network based on a consensus mechanism. Records written in a blockchain are difficult to tamper with because they are authentic.
In embodiments of the present description, the recovery record may further contain one or more of transaction platform identification, recovery time, seller user identification, item detail introduction, and the like. It should be noted that, in the case that the recycle record does not include the identification of the seller user, the identity privacy of the seller user may be protected first.
S204: and after monitoring the recovery record from the block chain network, the loan party equipment constructs a loan record containing the record identification of the recovery record, the loan amount and the loan time, and submits the loan record to the block chain network.
In this embodiment of the present specification, the lender device may monitor the recycling record from the blockchain network, specifically: the loan side equipment monitors the block chain and writes the recovery record in the block chain; or the block chain network executes the deployed intelligent contract according to the recovery record to trigger the recovery record and storage event, and the lender device monitors the recovery record and storage event from the block chain network.
In the embodiments of the present description, the role of the loan record including the record identifier of the recycling record is to establish an association between the recycling record and the loan record of the same item. It should be noted that, since the calculation of interest in the loan is often related to the length of the loan, the loan record may also include the loan time.
Further, the lending record may also contain the lender identification, the trading platform identification, and other loan-related information.
In addition, in the embodiment of the specification, after determining that the transaction party obtains the loan issued by the lender for the article, the transaction platform device constructs a loan record containing the article identifier and the loan amount, and submits the loan record to the blockchain network. Therefore, disputes between the transaction platform and the lender about loan transaction can be avoided.
In addition, in practice, the lender sometimes does not want to bear the risk of the goods being damaged, lost or not being resold for a long time, so the lender may choose to transfer these risks to an insurer (e.g., an insurance company) and pay a certain premium to the insurer. Once the goods stored by the lender are damaged, lost or not resale for a long time, the lender is paid by the insurance party. In addition, if the transaction platform does not pay the loan amount and the loan interest to the lender after the overdue period, the lender may also pay the loan amount and the loan interest by the insurance party, and the insurance party obtains the property of the article and may conduct the auction.
Fig. 3 is a schematic diagram of another second-hand transaction mode of lightly-operated goods provided by an embodiment of the present specification.
In this case, there is also a trust problem between the lender and the insurer. To this end, in this embodiment of the present specification, the insurer device may construct an insurance record containing the item identifier after monitoring the lending record from the blockchain network, and submit the insurance record to the blockchain network; and the block chain network executes the deployed intelligent contract according to the insurance record, and comprises the following steps: and acquiring article detail information based on the article identification, and determining the premium amount according to the article detail information.
In the embodiment of the present specification, a plurality of appraisers, transaction platforms, lenders, and insurers can register accounts in the blockchain network, share blockchain data, and realize multiparty collaboration.
Fig. 4 is a schematic flowchart of a block chain-based article resale transaction processing method according to an embodiment of the present disclosure, including the following steps:
s400: the transaction platform device determines the item requested for purchase by the buyer user.
Regarding the interaction between the buyer user and the transaction platform, reference may be made to the aforementioned interaction between the seller user and the transaction platform, which is not described in detail herein.
S402: and the transaction platform equipment constructs a resale record containing the item identification, the item selling price and the resale time and submits the resale record to the blockchain network.
The resale record may also include information such as a transaction platform identifier and a buyer user identifier. It should be noted that, in the case that the resale record does not include the identification of the buyer, protection of the identity privacy of the buyer can be achieved.
S404: and the block chain network executes the deployed intelligent contract according to the resale record, and comprises the following steps: and obtaining the loan amount and the loan putting time corresponding to the article identification from the block chain, and calculating loan interest based on the loan amount, the loan putting time and the resale time.
In the stage of article resale, the buyer user pays the article selling price to the transaction platform and takes the articles kept by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
In the embodiment of the present specification, the occurrence time of the resale transaction (i.e., resale time) is regarded as the time when the transaction platform repays the loan to the lender. Therefore, the loan duration can be calculated according to the loan duration and the resale time, and the loan interest can be calculated according to the loan duration and the loan amount.
When the intelligent closing is executed, the recycling record containing the article identifier can be read from the blockchain according to the article identifier in the resale record, then the loan record containing the recycling record identifier can be further read from the blockchain, and the loan amount and the loan time can be obtained from the loan record.
In addition, in the embodiment of the present specification, after determining that the lender obtains the loan amount and the loan interest paid for the item by the transaction platform, the lender device constructs a settlement record containing the item identifier, the loan amount and the loan interest, and submits the settlement record to the blockchain network.
It should be noted that, in each embodiment of the present specification, the fund flow between the seller user and the transaction platform, the fund flow between the transaction platform and the lender, the fund flow between the transaction platform and the buyer user, and the fund flow between the lender and the insurer may be performed outside the blockchain network or through the blockchain network, and when the fund flow is performed through the blockchain network, the fund flow record may also be stored in the blockchain for convenient verification.
In addition, the embodiment of the present specification provides an article recycling transaction processing system based on a block chain, which includes a transaction platform device, a loan party device and a block chain network;
the transaction platform device is used for determining the item requested to be recycled by the seller user and determining the item valuation after determining that the item is a genuine item; constructing a recovery record containing an article identifier and the article valuation, and submitting the recovery record to a block chain network;
the loan side equipment is used for building a loan record containing the record identifier of the recovery record, the loan amount and the loan time after monitoring the recovery record from the block chain network, and submitting the loan record to the block chain network; the loan amount is equivalent to the valuation;
the loan direction transaction platform issues a loan of the loan amount and keeps the articles; the transaction platform pays the item valuation to the seller user.
The system further comprises: an insurance side device;
the insurance side equipment builds an insurance record containing the article identification after monitoring the loan record from the block chain network and submits the insurance record to the block chain network;
the block chain network executes the deployed intelligent contract according to the insurance record, and comprises the following steps: acquiring article detail information based on the article identification, and determining the premium amount according to the article detail information;
and the loan party pays the insurance premium amount to the insurance party, and the insurance party provides insurance service for the goods for the loan party.
Additionally, there is provided a resale transaction processing system comprising: a transaction platform device and a blockchain network;
a transaction platform device determining an item requested for purchase by a purchaser user; constructing a resale record containing an article identifier, an article selling price and resale time, and submitting the resale record to a block chain network;
the block chain network executes the deployed intelligent contract according to the resale record, and comprises the following steps: obtaining the loan amount and loan putting time corresponding to the article identification from the block chain, and calculating loan interest based on the loan amount, the loan putting time and the resale time;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
The system further comprises: a lender device;
and after the lender equipment determines that the lender obtains the settlement amount paid by the transaction platform for the article, the lender equipment constructs a settlement record containing the article identification and the settlement amount and submits the settlement record to a block chain network.
Fig. 5 is a schematic structural diagram of an article recycling transaction processing apparatus based on a block chain according to an embodiment of the present specification, which is applied to a transaction platform device, and the apparatus includes:
a determining module 501, configured to determine an item requested to be recycled by a seller user, and determine an item valuation after determining that the item is a genuine item;
a construction module 502, which constructs a recovery record containing an item identifier and the item valuation, and submits the recovery record to a block chain network;
the loan direction transaction platform issues loans and stores the articles; the transaction platform pays the item valuation to the seller user.
Fig. 6 is a schematic structural diagram of an article recycling transaction processing apparatus based on a block chain according to an embodiment of the present disclosure, which is applied to a lender device, and includes:
the building module 601, after monitoring the recycling record from the blockchain network, building a loan record including the record identifier of the recycling record, the loan amount and the loan time, and submitting the loan record to the blockchain network; the recovery record contains an item identification and an item valuation, the loan amount being equivalent to the valuation;
the loan direction transaction platform issues a loan of the loan amount and keeps the articles; the transaction platform pays the item valuation to the seller user.
Fig. 7 is a schematic structural diagram of a reselling transaction processing apparatus provided in an embodiment of the present specification, which is applied to a transaction platform device, and the apparatus includes:
a determining module 701, which determines the item requested to be purchased by the buyer user;
a construction module 702, which constructs a resale record containing an article identifier, an article selling price and a resale time, and submits the resale record to a block chain network;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; and the trading platform repays the loan amount and the loan interest to the loan party, wherein the settlement amount is equal to the difference between the selling price of the article and the profit of the trading platform.
Fig. 8 is a schematic structural diagram of a reselling transaction processing apparatus provided in an embodiment of the present specification, which is applied to a node in a blockchain network, and includes:
the execution module 801, the blockchain network executes the deployed intelligent contract according to the resale record, including: executing a separate logic based on the article valuation and the article selling price, and determining the amount of money to be received by the loan party;
wherein, the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
Embodiments of the present specification also provide a computer device comprising at least a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements functions of a transaction platform device or a lender device or a blockchain network node or an insurance party device in embodiments of the present specification.
Fig. 9 is a schematic diagram illustrating a more specific hardware structure of a computing device according to an embodiment of the present disclosure, where the computing device may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein the processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 are communicatively coupled to each other within the device via bus 1050.
The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present disclosure.
The Memory 1020 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1020 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1020 and called to be executed by the processor 1010.
The input/output interface 1030 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 1040 is used for connecting a communication module (not shown in the drawings) to implement communication interaction between the present apparatus and other apparatuses. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
Bus 1050 includes a path that transfers information between various components of the device, such as processor 1010, memory 1020, input/output interface 1030, and communication interface 1040.
It should be noted that although the above-mentioned device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
Embodiments of the present specification also provide a computer-readable storage medium on which a computer program is stored, which when executed by a processor, implements the functions of a transaction platform device or a loan side device or a blockchain network node or an insurance side device in embodiments of the present specification.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement 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.
From the above description of the embodiments, it is clear to those skilled in the art that the embodiments of the present disclosure can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the embodiments of the present specification or portions thereof contributing to the prior art may be embodied in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, or the like, and includes several instructions for enabling a computer device (which may be a personal computer, a service device, or a network device) to execute the methods described in the embodiments or some portions of the embodiments of the present specification.
The systems, methods, modules or units described 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.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the modules described as separate components may or may not be physically separate, and the functions of the modules may be implemented in one or more software and/or hardware when implementing the embodiments of the present disclosure. And part or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is only a specific embodiment of the embodiments of the present disclosure, and it should be noted that, for those skilled in the art, a plurality of modifications and decorations can be made without departing from the principle of the embodiments of the present disclosure, and these modifications and decorations should also be regarded as the protection scope of the embodiments of the present disclosure.

Claims (20)

1. A block chain-based item recycling transaction processing method comprises the following steps:
the transaction platform device determines the item requested to be recycled by the seller user and determines an item valuation after determining that the item is a genuine item;
the trading platform device constructs a recovery record containing an article identifier and the article valuation and submits the recovery record to a block chain network;
after monitoring the recovery record from the block chain network, the loan party equipment constructs a loan record containing the record identification of the recovery record, the loan amount and the loan time, and submits the loan record to the block chain network; the loan amount is equivalent to the valuation;
the loan direction transaction platform issues a loan of the loan amount and keeps the articles; the transaction platform pays the item valuation to the seller user.
2. The method as claimed in claim 1, wherein the determining, by the transaction platform device, the item requested to be retrieved by the seller user includes:
the method comprises the steps that a transaction platform device obtains an item image uploaded by a seller user, and the item requested to be recycled by the seller user is determined according to the item image.
3. The method of claim 2, the trading platform determining whether the item is genuine, comprising:
the transaction platform equipment submits an authentication object record containing the item image and the item identifier to a block chain network;
after monitoring the identification object records from the block chain network, at least one identification party respectively identifies the genuine articles of the article images and respectively submits identification result records containing the article identification, the identification party identification and the identification results to the block chain network;
the trading platform device judges whether the article is a genuine article or not based on each authentication result record monitored from the blockchain network.
4. The method of claim 3, further comprising:
the transaction platform device submitting an accreditation commission record comprising an accreditation fee amount and at least one identifier of the accreditation party to the blockchain network;
wherein the transaction platform pays an appraisal fee amount to the at least one appraiser.
5. The method of claim 1, a lender device monitoring the reclamation record from a blockchain network, comprising:
and the lender equipment monitors the block chain and writes the recovery record in the block chain.
6. The method of claim 1, further comprising:
the block chain network executes the deployed intelligent contract according to the recovery record to trigger a recovery record evidence storage event;
the lender device monitoring the recovery record from the blockchain network, including:
the lender device hears the reclaim record crediting event from the blockchain network.
7. The method of claim 1, further comprising:
and after determining that the transaction party acquires the loan which is issued by the lender for the article, the transaction platform equipment constructs a loan neck record containing the article identification and the loan amount, and submits the loan neck record to the block chain network.
8. The method of claim 1, further comprising:
after monitoring the loan record from the blockchain network, the insurer equipment constructs an insurance record containing the article identifier and submits the insurance record to the blockchain network;
the block chain network executes the deployed intelligent contract according to the insurance record, and the method comprises the following steps: acquiring article detail information based on the article identification, and determining the premium amount according to the article detail information;
and the loan party pays the insurance premium amount to the insurance party, and the insurance party provides insurance service for the goods for the loan party.
9. A method of processing resale transactions for items recovered by the method of any one of claims 1 to 8, comprising:
the transaction platform device determining an item requested for purchase by a buyer user;
the transaction platform device constructs a resale record containing an article identifier, an article selling price and resale time, and submits the resale record to a block chain network;
the block chain network executes the deployed intelligent contract according to the resale record, and the method comprises the following steps: obtaining the loan amount and loan putting time corresponding to the article identification from the block chain, and calculating loan interest based on the loan amount, the loan putting time and the resale time;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
10. The method of claim 9, the method further comprising:
and after the loan party equipment determines that the loan party acquires the loan amount and the loan interest paid by the transaction platform for the object, the loan party equipment constructs a settlement record containing the object identification, the loan amount and the loan interest and submits the settlement record to a block chain network.
11. An article recycling transaction processing system based on a block chain comprises transaction platform equipment, loan party equipment and a block chain network;
the transaction platform device is used for determining the item requested to be recycled by the seller user and determining the item valuation after determining that the item is a genuine item; constructing a recovery record containing an article identifier and the article valuation, and submitting the recovery record to a block chain network;
the loan side equipment is used for building a loan record containing the record identifier of the recovery record, the loan amount and the loan time after monitoring the recovery record from the block chain network, and submitting the loan record to the block chain network; the loan amount is equivalent to the valuation;
the loan direction transaction platform issues a loan of the loan amount and keeps the articles; the transaction platform pays the item valuation to the seller user.
12. The system of claim 11, further comprising: an insurance side device;
the insurance side equipment builds an insurance record containing the article identification after monitoring the loan record from the block chain network and submits the insurance record to the block chain network;
the block chain network executes the deployed intelligent contract according to the insurance record, and comprises the following steps: acquiring article detail information based on the article identification, and determining the premium amount according to the article detail information;
and the loan party pays the insurance premium amount to the insurance party, and the insurance party provides insurance service for the goods for the loan party.
13. A resale transaction processing system for items recovered by the method of any one of claims 1 to 8, comprising: a transaction platform device and a blockchain network;
a transaction platform device determining an item requested for purchase by a purchaser user; constructing a resale record containing an article identifier, an article selling price and resale time, and submitting the resale record to a block chain network;
the block chain network executes the deployed intelligent contract according to the resale record, and comprises the following steps: obtaining the loan amount and loan putting time corresponding to the article identification from the block chain, and calculating loan interest based on the loan amount, the loan putting time and the resale time;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
14. The system of claim 13, further comprising: a lender device;
and after the loan party equipment determines that the loan party acquires the settlement amount paid by the transaction platform for the object, the loan party equipment constructs a settlement record containing the object identification and the settlement amount and submits the settlement record to a block chain network.
15. A reselling transaction processing method for the goods recovered by the method of any one of claims 1 to 8, applied to a transaction platform device, the method comprising:
determining an item requested for purchase by a buyer user;
constructing a resale record containing an article identifier, an article selling price and resale time, and submitting the resale record to a block chain network;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; and the trading platform repays the loan amount and the loan interest to the loan party, wherein the settlement amount is equal to the difference between the selling price of the article and the profit of the trading platform.
16. A reselling transaction processing method for an article recovered by the method according to any one of claims 1 to 8, applied to a blockchain network, the method comprising:
the block chain network executes the deployed intelligent contract according to the resale record, and the method comprises the following steps: executing a separate logic based on the article valuation and the article selling price, and determining the amount of money to be received by the loan party;
wherein, the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
17. A reselling transaction processing device for goods recovered by the method of any one of claims 1 to 8, applied to a transaction platform device, the device comprising:
a determination module that determines an item requested for purchase by a buyer user;
the building module is used for building a resale record containing the article identification, the article selling price and the resale time and submitting the resale record to the block chain network;
wherein the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; and the trading platform repays the loan amount and the loan interest to the loan party, wherein the settlement amount is equal to the difference between the selling price of the article and the profit of the trading platform.
18. A resell transaction processing apparatus for items recovered by the method of any one of claims 1 to 8, for use at a node in a blockchain network, the apparatus comprising:
the execution module is used for executing the deployed intelligent contract according to the resale record by the block chain network and comprises: executing a separate logic based on the article valuation and the article selling price, and determining the amount of money to be received by the loan party;
wherein, the buyer user pays the selling price of the article to the transaction platform and receives the article stored by the lender; the transaction platform repays the loan amount and the loan interest to the lender.
19. A computer apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the functions of the trading platform apparatus or the lender apparatus in the method of any one of claims 1 to 12.
20. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 15, 16 when executing the program.
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US7698214B1 (en) * 2007-04-03 2010-04-13 General Mortgage Finance Corp. Systems and methods of trading closed loans, debt, and other financial obligations
WO2009021228A2 (en) * 2007-08-09 2009-02-12 Recyclebank, Llc. Recycling kiosk system and method thereof
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US20200143466A1 (en) * 2018-11-06 2020-05-07 Jianxin Wu Blockchain-based lending systems and methods
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