CN113554417A

CN113554417A - Resource processing system, and method, device and equipment for approving resource project declaration

Info

Publication number: CN113554417A
Application number: CN202110837281.6A
Authority: CN
Inventors: 李龙
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Alibaba Group Holding Ltd; Advanced New Technologies Co Ltd
Priority date: 2018-11-29
Filing date: 2018-11-29
Publication date: 2021-10-26
Also published as: CN109584079B; TW202038171A; TWI729489B; WO2020108127A1; CN109584079A

Abstract

The embodiment of the specification discloses a resource processing system, and a method, a device and equipment for approving resource project declaration, wherein the resource processing system comprises terminal equipment and a resource service platform, the resource service platform is a service platform constructed based on a predetermined block chain, and related information of resource processing participants is stored in blocks in the block chain, wherein: the terminal equipment is used for requesting the resource service platform to inquire the information stored based on the blocks in the block chain from the preset block chain and sending an approval request of target resource project declaration to the resource service platform; the resource service platform is used for acquiring information to be examined and approved matched with the declaration rule of the target resource item from a preset block chain, examining and approving the acquired information, recording the information generated by examination and approval into a block of the block chain, and/or performing preset transaction operation based on the acquired information.

Description

Resource processing system, and method, device and equipment for approving resource project declaration

This patent application is application number: 201811442046.3, filing date: 29/11/2018, a divisional application of the chinese patent application entitled "resource processing system, method, apparatus and device for approval of resource project declaration".

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a resource processing system, a resource project declaration approval method, an apparatus, and a device.

Background

As the driving force of economic growth is gradually shifted from investment to consumption, the asset securitization industry is rapidly developed, and generally, a centralized trading mode is applied to an asset securitization platform, and both an asset party and an investor need to interact with a control center of the asset securitization platform.

Currently, in conventional financial institutions and banking systems, many participants (or resource participants) are involved in the processes related to credit and asset securitization, including asset parties, investments, trust authorities, escrow banks, brokerage agencies, and exchanges, among others. In the whole process of securitization of assets, because the information between each participating bank and financial institution is split, when credit and securitization of assets are carried out, corresponding information needs to be applied to each participating party for auditing or approving respectively because the information between each participating bank and financial institution is split, so that the information can not be well shared, which may cause difficulty in trust conduction, complicated process procedures, low resource processing efficiency and high trust increasing cost.

Disclosure of Invention

An object of the embodiments of the present disclosure is to provide a resource processing system, a method, an apparatus, and a device for approving resource project declaration, so as to provide a resource processing scheme with a simplified resource processing flow and a higher resource processing efficiency.

In order to implement the above technical solution, the embodiments of the present specification are implemented as follows:

the resource processing system provided by the embodiment of the present specification includes a terminal device and a resource service platform, where the resource service platform is a service platform constructed based on a predetermined blockchain, and a block in the blockchain stores relevant information of resource processing participants, and the resource processing participants include one or more of a resource party, a sponsor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority, and a transaction authority, where:

the terminal device is configured to request the resource service platform to query, from the predetermined blockchain, information stored based on a block in the blockchain, and send an approval request for a target resource project declaration to the resource service platform;

the resource service platform is used for acquiring information to be approved matched with the declaration rule of the target resource item from the preset block chain, approving the acquired information, recording the information generated by the approval into a block of the block chain, and/or performing preset transaction operation based on the acquired information.

Optionally, the terminal device is configured to send an information query request to the resource service platform, where the information query request includes a query keyword;

and the resource service platform is used for searching the target information matched with the query keyword and outputting the queried target information.

Optionally, the target resource item is a resource item in an asset securitization service.

Optionally, the terminal device is further configured to send a request for transferring ownership of a target security to the resource service platform;

the resource service platform is further used for conducting trade matching on the transfer of the ownership of the target securities based on the target intelligent contracts in the preset block chains so as to transfer the ownership of the target securities.

Optionally, the resource service platform is further configured to:

acquiring related information of the target resource item, wherein the related information comprises resource information, transaction structure information, rating information, resource flow and information flow in the release resource and the reimbursement resource of the target resource item;

and generating the target intelligent contract according to the related information of the target resource item.

Optionally, the resource service platform is further configured to:

receiving a management request for a target intelligent contract in the predetermined block chain, wherein the management request is used for indicating that the target intelligent contract is deleted, replaced or modified;

and carrying out corresponding processing on the target intelligent contract according to the management request.

An approval method for resource project declaration provided by an embodiment of the present specification includes:

receiving an approval request submitted by a target resource project;

acquiring information to be examined and approved matched with the declaration rule from a preset block chain according to the declaration rule of the target resource item, wherein the information to be examined and approved comprises resource information of the target resource item and investor information;

and examining and approving the acquired information matched with the declaration rule, and recording the information generated by examination and approval into the blocks of the preset block chain.

Optionally, the target resource item is a transfer item of securities ownership, the method further comprising:

and if the examination and approval of the target information are passed, carrying out trade matching of the transfer of the security ownership according to the target intelligent contract in the predetermined block chain so as to execute the operation of the transfer of the security ownership.

Optionally, the method further comprises:

receiving an information query request, wherein the information query request comprises query keywords;

and searching target information matched with the query keyword from the preset block chain, and outputting the queried target information.

An approval apparatus for resource project declaration provided in an embodiment of the present specification, the apparatus including:

the request receiving module is used for receiving an approval request of the target resource project declaration;

the first information acquisition module is used for acquiring information to be examined and approved matched with the declaration rule from a preset block chain according to the declaration rule of the target resource item, wherein the information to be examined and approved comprises resource information of the target resource item and investor information;

and the examination and approval module is used for examining and approving the acquired information matched with the declaration rule and recording the information generated by examination and approval into the block of the preset block chain.

Optionally, the target resource item is a transfer item of security ownership, the apparatus further comprising:

and the trading module is used for carrying out trading match of transfer of the security ownership according to the target intelligent contract in the preset block chain if the target information is approved so as to execute the operation of transfer of the security ownership.

Optionally, the apparatus further comprises:

the second information acquisition module is used for acquiring related information of the target resource item, wherein the related information comprises resource information, transaction structure information, rating information, resource flow and information flow in the release resource and the reimbursement resource of the target resource item;

and the contract generating module is used for generating the target intelligent contract according to the related information of the target resource item.

Optionally, the apparatus further comprises:

a management request receiving module, configured to receive a management request for a target intelligent contract in the predetermined block chain, where the management request is used to indicate that the target intelligent contract is to be deleted, replaced, or modified;

and the processing module is used for carrying out corresponding processing on the target intelligent contract according to the management request.

Optionally, the apparatus further comprises:

the query request module is used for receiving an information query request, wherein the information query request comprises query keywords;

and the query module is used for searching the target information matched with the query keyword from the preset block chain and outputting the queried target information.

An approval apparatus for resource project declaration provided in an embodiment of this specification includes:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

receiving an approval request submitted by a target resource project;

As can be seen from the above technical solutions provided in the embodiments of the present specification, a resource processing system in the embodiments of the present specification includes a terminal device and a resource service platform, where the resource service platform is a service platform constructed based on a predetermined blockchain, and a block in the blockchain stores related information of resource processing participants, and the resource processing participants include one or more of a resource party, a resource investor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority, and a transaction authority, where: the resource service platform is used for acquiring information to be approved matched with the declaration rule of the target resource item from the preset block chain, approving the acquired information, recording the information generated by the approval into the block of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and the participants do not need to repeatedly transmit the related resource information, thereby greatly reducing the process cost, The resource processing flow is simplified, and the resource processing efficiency is improved.

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 introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

FIG. 1 is a diagram of one embodiment of a resource processing system of the present disclosure;

FIG. 2 is a diagram illustrating a resource processing system according to the related art;

FIG. 3 is another embodiment of a resource handling system of the present disclosure;

FIG. 4 is a diagram of yet another embodiment of a resource processing system;

FIG. 5 illustrates an embodiment of an approval method for resource project declaration in the present specification;

FIG. 6 is a flowchart of another embodiment of a method for approval of a resource item declaration;

FIG. 7 is a diagram of yet another embodiment of a resource processing system;

FIG. 8 is a diagram of an embodiment of an approval apparatus for resource item declaration in the present specification;

FIG. 9 is an embodiment of an approval apparatus for resource item declaration in the present specification.

Illustration of the drawings:

100-terminal device, 200-resource service platform, 201-block chain, 202-contract and information disclosure management mechanism, 300-resource party, 400-investor, 500-trust organization, 600-hosting organization, 700-intermediary organization, 800-underwriting organization, 900-transaction organization, 1000-supervision organization.

Detailed Description

The embodiment of the specification provides a resource processing system, a resource project declaration approval method, a resource project declaration approval device and a resource project declaration equipment.

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

Example one

As shown in fig. 1, an embodiment of the present specification provides a resource processing system, where the resource processing system includes a terminal device and a resource service platform, where the terminal device may be a mobile terminal device such as a mobile phone or a tablet computer, and may also be a device such as a personal computer. The resource service platform can be composed of an independent server or a server cluster composed of a plurality of servers, and can be an asset securitization background service platform and the like. The resource processing system can be used in applications such as credit and asset securitization of financial institutions or banks.

The resource service platform 200 may be a service platform constructed based on a predetermined blockchain 201, where the blocks in the blockchain 201 store information related to resource processing participants, the resource processing participants including one or more of the resource party 300, the investor 400, the trust authority 500, the hosting authority 600, the underwriting authority 800, the intermediary 700, and the transaction authority 900.

The resource party 300 may be a resource provider or a resource initiator, for example, the resource securitization industry, and the resource party 300 may be an initiator of an original asset. In practical applications, the resource side 300 may be a person, an organization or an organization. The sponsor 400 may be an organization or individual or the like that purchases or holds a certain amount of resources from the resource provider 300. The trusted authority 500 may be an authority that is trusted to operate a trusted investment service. Taking the asset securitization industry as an example, the hosting organization 600 may be used for performing asset hosting business, where the asset hosting business may be in a product where an asset owner is separated from an asset manager, and the hosting organization 600 provides services such as asset keeping, fund clearing, accounting, investment supervision, information disclosure and the like for a user with the identity of a third party hosting person, so as to implement safe keeping of assets and normative operation of investment. The exchange 900 may be an entity, organization, or location, such as an exchange, that conducts resource transactions.

The resource service platform 200 may be a platform for storing relevant information of resource processing participants, and providing information query for each resource processing participant or user, or providing relevant service (such as performing transaction operation or performing project approval) for each resource processing participant or user. The related information stored by the resource service platform 200 may be stored based on a block in the block chain 201, where the block chain 201 may be a federation chain formed by resource processing participants such as the resource party 300, the investor 400, the trust authority 500, the hosting authority 600, the underwriting authority 800, the intermediary 700, and the transaction authority 900, and each of the resource processing participants may store information related to an original resource initiated by the resource party 300 on a block in the block chain 201, specifically, in a resource forming process, related information such as a resource flow and an information flow in a resource issuing process and a resource recycling process may be written into the block chain 201 in real time, so as to achieve true tamper resistance of the resource information; in the resource product design and release phase, the rating information of the transaction organization 900 and the rating organization may be written into the blockchain 201; the investor 400 can register identity information of the investor 400 and underwritten share information into the blockchain 201 after investing. In addition, the information may also include resource information of a certain resource item, information related to the hosting organization 600, information related to the underwriting organization 800, information related to the intermediary organization 700, information related to the trust organization 500, and the like.

It should be noted that, when the resource processing participant stores the relevant information in the block chain 201, the stored information may be encrypted by a predetermined encryption rule, and then provided to the block chain 201 for decryption, and the decrypted information may be stored in the corresponding block.

In practice, the asset securitization industry has developed rapidly as the driving force for economic growth has progressively shifted from investment to consumption. As shown in fig. 2, in conventional financial institutions and banking systems, many participants (or resource participants) are involved in the related processes of credit and asset securitization, including asset parties, investment players, trust authorities, escrow banks, brokerage agencies, exchanges, and the like. In the whole process of securitization of assets, because the information between each participating bank and financial institution is split, when credit and securitization of assets are carried out, because the information between each participating bank and financial institution is split, corresponding information needs to be applied to each participating party for auditing or approving, so that the information can not be well shared, which may cause difficulty in trust conduction, complicated process procedures, low resource processing efficiency and high trust increasing cost, therefore, the embodiment of the specification provides a resource processing system based on a block chain, resource processing (such as credit and securitization product transaction and the like) is carried out through the block chain 201, so that a plurality of participants can freely complete transactions on a resource processing platform going to the center, and each transaction is open and transparent and can trace the origin, corresponding resource information, credit investigation information and the like are borne through a unified public ledger (blocks in the block chain 201), and great promotion effect is achieved on the improvement of transaction flow efficiency.

The resource processing system may include a terminal device 100 and a resource service platform 200, wherein the terminal device 100 may be used by various resource processing participants or users. In practical applications, in order to better provide corresponding resource processing services for each resource processing participant or user, corresponding application programs may be developed according to the functions of the resource service platform 200. The application program may be packaged as a stand-alone application program and installed in the terminal device 100 by each resource processing participant or user, or the application program may also be embedded in other application programs, for example, the application program may be embedded in a wallet application, and the like, specifically, the embedding processing may be performed in a manner of setting the application program entry in the wallet application, and the like, and the specific setting may be performed according to practical situations, and this is not limited in this specification embodiment. In addition, the application program can be set as a contract application or the like, considering that different projects or different resources are set with corresponding intelligent contracts.

When each resource processing participant or user needs to query for some information, the application program may be run through the terminal device 100, and the application program may obtain the home page data of the application program from the resource processing platform, and may display the home page in the terminal device 100. An information search box may be included in the home page. The user may enter a search keyword in the information search box. After the input of a certain resource processing participant or a user is completed, a search key may be clicked, and the terminal device 100 may acquire a search keyword in the information search box, may generate an information query request based on the search keyword, and may send the information query request to the resource processing platform. After receiving the information query request, the resource processing platform may extract a search keyword in the information query request, may search for information (such as resource information, approval information, rating information, and the like) matching the search keyword in the blockchain 201, and may send the searched information to the terminal device 100, where at this time, the resource processing participant or the user may view the searched information.

In addition, the resource processing platform may provide a plurality of different services besides the query service, and two optional services may be provided as follows, specifically including the following:

the investor 400 or the resource 300 can make an declaration of a project, and the resource service platform 200 can approve the declaration of the project, wherein the project can be any resource project, such as a loan project in asset securitization, a security trading project, a transfer project of security ownership, and the like. Based on the above situation, the investor 400 or the resource 300 may send an approval request of the target resource item declaration to the resource service platform 200 through the terminal device 100, where the approval request may include an item identifier of the target resource item (e.g., a name or a code of the target resource item). After receiving the approval request, the resource service platform 200 may extract a project identifier from the approval request, and may determine the target resource project according to the project identifier. Corresponding declaration rules may be determined based on the target resource project. The declaration rule may be used to specify information required for declaring the target resource item and relevant information such as a process that the target resource item needs to be declared, and then, the resource service platform 200 may obtain information that matches the declaration rule of the target resource item from the predetermined blockchain 201, and may use the obtained information as information to be approved. The resource service platform 200 may approve information to be approved, and after the approval is completed, may record the information related to the approval (which may include information used in a declaration process of a target resource item, may also include approval result information, intermediate data generated in the approval process, and the like) into a block of the block chain 201.

If the approval of the declared target resource item passes, a predetermined operation may be performed, for example, a transfer of ownership of the securities, based on the information obtained matching the declaration rules of the target resource item, and if the approval of the declared target resource item passes, ownership of the target securities may be transferred from one user to another based on the information related to the transfer of ownership of the securities, such that the transfer of ownership of the target securities is completed.

An embodiment of the present specification provides a resource processing system, including a terminal device and a resource service platform, where the resource service platform is a service platform constructed based on a predetermined block chain, a block in the block chain stores related information of a resource processing participant, and the resource processing participant includes one or more of a resource party, a investor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority, and a transaction authority, where: the resource service platform is used for acquiring information to be approved matched with the declaration rule of the target resource item from the preset block chain, approving the acquired information, recording the information generated by the approval into the block of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and the participants do not need to repeatedly transmit the related resource information, thereby greatly reducing the process cost, The resource processing flow is simplified, and the resource processing efficiency is improved.

Example two

Fig. 3 provides another resource processing system for the embodiments of the present specification, where the resource processing system includes a terminal device and a resource service platform, where the terminal device may be a mobile terminal device such as a mobile phone or a tablet computer, and may also be a device such as a personal computer. The resource service platform can be composed of an independent server or a server cluster composed of a plurality of servers, and can be an asset securitization background service platform and the like. The resource processing system can be used in applications such as credit and asset securitization of financial institutions or banks.

The resource service platform 200 may be a service platform constructed based on a predetermined blockchain 201, and the blocks in the blockchain 201 store information related to resource processing participants, including one or more of the resource party 300, the investor 400, the trust authority 500, the hosting authority 600, the underwriting authority 800, the intermediary 700, and the transaction authority 900. The resource service platform 200 may provide a plurality of services, such as an authentication service, a deployment service of a smart contract, a call service of a contract, a data request service, and the like, and in order to be able to provide the different services, a consensus mechanism, an account management mechanism, a smart contract, a communication network (such as point-to-point P2P, Remote Procedure Call (RPC), and the like), a general function (such as compression, decompression, and the like), a cryptographic mechanism (such as a certificate, authentication), a data storage, and the like may be provided in the resource service platform 200.

Because the resource service platform 200 is constructed based on the blockchain 201, the data stored in the blockchain 201 has high security and is tamper-proof, so that the resource service platform is very beneficial to supervision, approval, transaction and the like of resources, and because corresponding resource streams and information streams are precipitated into the blocks of the blockchain 201 in the resource transaction process, each transaction is public and transparent and can be traced. When each resource processing participant wants to query the related resource flow and information flow, the following processing procedures can be implemented: an inquiry authority or a user may log in to the resource service platform 200 through an application installed in the terminal device 100 and may input an inquiry keyword through the application, so that the terminal device 100 transmits an information inquiry request to the resource service platform 200. The resource service platform 200 may search for information matching the query keyword from the blockchain 201 through the intelligent contract application query interface, and if the information is not found, it indicates that the searched information does not exist, and at this time, the query mechanism or the user may be prompted to change the query keyword. If the corresponding information is found, the found information may be used as target information (which may include information of each stage of the transaction related to resource information, approval information, rating information, and the like), and the target information may be sent to the terminal device 100, and the terminal device 100 may receive and display the target information.

The resource processing participants (including SPV (Special Purpose agency), the mediation agency 700, the investment agency, the underwriting agency 800, and the regulatory agency 1000) can query the predetermined blockchain 201 for relevant information according to the corresponding keys or certificates through the terminal devices used by the participants. The resource service platform 200 may provide a unified query interface and function of the block chain 201, so that it is not necessary to perform pairwise docking between each organization to obtain related information, for example, including M credit factories and N banks, the docking between the resource service platform 200 and the monitoring organization 1000 needs M × N data exchanges, and for the block chain 201, since the related information of the resource processing participants is in the unified block chain 201, the docking between the resource service platform 200 and the monitoring organization 1000 only needs M + N data exchanges, and the block chain 201 processing in the resource service platform 200 can greatly improve the information monitoring transparency and the information disclosure efficiency.

In addition, based on the resource service platform 200, the resource management efficiency can be improved, that is, in the processing stage of the transaction, information such as transaction structure, rating information, resource flow and information flow for releasing and paying resources are deposited on the blockchain 201. Based on the information, corresponding intelligent contract application can be written, so that the written intelligent contract can be obtained. That is, the resource service platform 200 may obtain the related information of the target resource item, which may include the resource information of the target resource item, the transaction structure information, the rating information, the resource flow and information flow in the issue resource and reimbursement resource, and then the resource service platform 200 may generate the target intelligent contract according to the related information of the target resource item.

In the second-level resource trading stage, the bottom-layer resource flow information can be obtained from the blockchain 201 through the query interface of the blockchain 201, so that the real-time resource evaluation can be automatically performed by both trading parties through the system, investors perform trading matching through intelligent contracts, the transfer of the ownership of the target securities is automatically completed on the blockchain 201, and other operations, specifically, the terminal device 100 sends a transfer request of the ownership of the target securities to the resource service platform 200, and then the resource service platform 200 performs trading matching on the transfer of the ownership of the target securities based on a predetermined target intelligent contract in the blockchain 201, so as to transfer the ownership of the target securities. Through the above processing procedures, errors are easy to occur depending on manual processing or it is difficult for a server to automatically execute a predetermined transaction flow or fund management in the related art, and the block and the intelligent contract of the block chain 201 in the resource processing system in the embodiment can be automatically performed, thereby greatly improving the efficiency and accuracy of transaction and resource processing.

Furthermore, as shown in fig. 4, a contract and information disclosure management mechanism 202 may be further disposed in the resource service platform 200, and the contract and information disclosure management mechanism 202 may manage the intelligent contract and the related information in the predetermined blockchain 201, specifically, the terminal device 100 may send a management request of the target intelligent contract in the predetermined blockchain 201 to the resource service platform 200, where the management request is used to indicate that the target intelligent contract is to be deleted, replaced, modified, or the like, and the resource service platform 200 may receive the management request of the target intelligent contract in the predetermined blockchain 201, and may perform corresponding processing on the target intelligent contract according to the management request.

Wherein the target intelligent contract can be any intelligent contract.

In an implementation, for example, the terminal device 100 may send a management request of the target intelligent contract in the predetermined blockchain 201 to the resource service platform 200, where the management request is used to indicate that the target intelligent contract is deleted, and the resource service platform 200 may find the target intelligent contract in the predetermined blockchain 201 and may delete the target intelligent contract. For another example, the terminal device 100 may send a management request of a target intelligent contract in the predetermined block chain 201 to the resource service platform 200, where the management request is used to indicate that the target intelligent contract is replaced, and the management request further includes the replaced intelligent contract, and then the resource service platform 200 may find the target intelligent contract in the predetermined block chain 201, and may replace the target intelligent contract with the intelligent contract in the management request. For another example, the terminal device 100 may send a management request of a target intelligent contract in the predetermined block chain 201 to the resource service platform 200, where the management request is used to indicate that the target intelligent contract is modified, and the management request further includes modification information, and then the resource service platform 200 may find the target intelligent contract in the predetermined block chain 201, and may replace corresponding information in the target intelligent contract with the modification information in the management request.

EXAMPLE III

As shown in fig. 5, an execution subject of the method may be a resource service platform in the resource processing system, where the resource service platform may be composed of one independent server or a server cluster composed of multiple servers, and the resource service platform may be a background service platform for securitization of assets. The resource processing system can be used in applications such as credit and asset securitization of financial institutions or banks. The resource service platform 200 may be a service platform constructed based on a predetermined blockchain 201, where the blocks in the blockchain 201 store information about resource processing participants including one or more of the resource party 300, the investor 400, the trust authority 500, the hosting authority 600, the underwriting authority 800, the intermediary 700, and the trading authority 900. The resource service platform 200 may provide a plurality of services, such as an authentication service, a deployment service of an intelligent contract, a call service of the contract, a data request service, and the like, and in order to provide the different services, a consensus mechanism, an account management mechanism, an intelligent contract, a communication network, a general function, a cryptographic mechanism, a data storage, and the like may be provided in the resource service platform 200. The method may specifically comprise the steps of:

in step S502, an approval request for the declaration of the target resource item is received.

The target resource item may be any resource item, such as a loan item in securitization of assets, a stock exchange item, a transfer item of stock ownership, and the like.

In an implementation, a resource processing system may include a terminal device 100 and a resource service platform 200, where the terminal device 100 may be used by various resource processing participants or users. In practical applications, in order to better provide corresponding resource processing services for each resource processing participant or user, corresponding application programs may be developed according to the functions of the resource service platform 200. The application program may be packaged as a stand-alone application program and installed in the terminal device 100 by each resource processing participant or user, or the application program may also be embedded in other application programs, for example, the application program may be embedded in a wallet application, and the like, specifically, the embedding processing may be performed in a manner of setting the application program entry in the wallet application, and the like, and the specific setting may be performed according to practical situations, and this is not limited in this specification embodiment. In addition, the application program can be set as a contract application or the like, considering that different projects or different resources are set with corresponding intelligent contracts.

The investor 400 or the resource 300 may send an approval request for the target resource item declaration to the resource service platform 200 through an application installed in the terminal device 100, where the approval request may include an item identifier of the target resource item (e.g., a name or a code of the target resource item). The resource services platform 200 may receive the approval request.

In step S504, according to the declaration rule of the target resource item, to-be-approved information matching the declaration rule is acquired from the predetermined blockchain 201, where the to-be-approved information includes resource information of the target resource item and investor information.

The declaration rule can be used for stipulating information required for declaring the target resource project and relevant information such as a process required for declaring the target resource project. The resource information may be information related to a resource corresponding to the target resource item, such as a value of the resource, provider information of the resource, and the like. The investor information may include identity information of the investor, share information of resources subscribed by the investor, and the like.

In implementation, after receiving the approval request, the resource service platform 200 may extract a project identifier from the approval request, and may determine the target resource project according to the project identifier. Corresponding declaration rules may be determined based on the target resource project. Then, the resource service platform 200 may obtain information matching the declaration rule of the target resource item from the predetermined blockchain 201, and may use the obtained information as information to be approved.

In step S506, the acquired information matching the declaration rule is approved, and the information generated by the approval is recorded in a block of the predetermined blockchain 201.

In implementation, the resource service platform 200 may approve information to be approved, and after the approval is completed, may record the information related to the approval into the block of the block chain 201, where the information related to the approval may include information used in a process of reporting a target resource item, and may also include result information of the approval, intermediate data generated in the approval process, and the like.

The embodiment of the present specification provides an approval method for resource project declaration, which is executed by a resource service platform, wherein the resource service platform is a service platform constructed based on a predetermined block chain, a block in the block chain stores relevant information of a resource processing participant, and the resource processing participant includes one or more of a resource party, a resource investor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority and a transaction authority, wherein: the resource service platform is used for acquiring information to be approved matched with the declaration rule of the target resource item from the preset block chain, approving the acquired information, recording the information generated by the approval into the block of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and the participants do not need to repeatedly transmit the related resource information, thereby greatly reducing the process cost, The resource processing flow is simplified, and the resource processing efficiency is improved.

Example four

As shown in fig. 6, an execution subject of the method may be a resource service platform in the resource processing system, where the resource service platform may be composed of one independent server or a server cluster composed of multiple servers, and the resource service platform may be a background service platform for securitization of assets. The resource processing system can be used in applications such as credit and asset securitization of financial institutions or banks. The resource service platform 200 may be a service platform constructed based on a predetermined blockchain 201, where the blocks in the blockchain 201 store information about resource processing participants including one or more of the resource party 300, the investor 400, the trust authority 500, the hosting authority 600, the underwriting authority 800, the intermediary 700, and the trading authority 900. The resource service platform 200 may provide a plurality of services, such as an authentication service, a deployment service of an intelligent contract, a call service of the contract, a data request service, and the like, and in order to provide the different services, a consensus mechanism, an account management mechanism, an intelligent contract, a communication network, a general function, a cryptographic mechanism, a data storage, and the like may be provided in the resource service platform 200. The method may specifically comprise the steps of:

in step S602, an approval request for the declaration of the target resource item is received.

The target resource item may be a resource item in an asset securitization service, for example, the target resource item may be a transfer item of the ownership of a security, and the like.

In step S604, according to the declaration rule of the target resource item, the pending information matched with the declaration rule is obtained from the predetermined blockchain 201, and the pending information includes the resource information of the target resource item and the investor information.

In step S606, the acquired information matching the declaration rule is approved, and the information generated by the approval is recorded in a block of the predetermined blockchain 201.

Taking the target resource item as a transfer item of the ownership of the securities as an example, the resource service platform 200 may further perform the following processing to perform operations such as transfer of the ownership of the securities.

In step S608, the related information of the target resource item is obtained, and the related information includes resource information of the target resource item, transaction structure information, rating information, resource flow and information flow in the release resource and the reimbursement resource.

The transaction structure information can be related information which is determined by the transaction parties in the form of contract terms and is used for coordinating and realizing a series of arrangements of final interest relations of the transaction parties.

In implementation, since information such as transaction structure, rating information, resource flow and information flow of issuing and reimbursing resources are already deposited on the blockchain 201 in the processing stage of resource transaction, the resource service platform 200 may obtain related information such as resource information, transaction structure information, rating information, resource flow and information flow in issuing and reimbursing resources of a target resource item when a target intelligent contract for the target resource item needs to be generated.

In step S610, a target intelligent contract is generated according to the related information of the target resource item.

In implementation, the resource service platform 200 may compile a corresponding intelligent contract through a preset programming language (such as Java programming language or C language, etc.) according to the related information of the target resource item, where the compiled intelligent contract is the target intelligent contract. The resource service platform 200 may store the target intelligent contract in correspondence with the target resource item.

In step S612, if the approval of the target information is passed, a trade match for transfer of the security ownership is made according to the target intelligent contract in the predetermined block chain 201 to perform the operation of transfer of the security ownership.

The trade matching can be a trade mode that the resource party 300 (or the resource initiator) entrusts a sale order/a sale order in a trade scene, the investor 400 entrusts a purchase order/a purchase order in the trade scene, the bargaining price of both parties is determined according to a price priority and time priority principle to generate a trade contract, and the delivery warehouse specified by the trade order carries out physical delivery.

In implementation, in the second-level resource trading stage, the underlying resource flow information can be obtained from the blockchain 201 through the query interface of the blockchain 201, so that both trading parties can be automatically helped to perform real-time resource evaluation through the resource service platform 200, investors perform trade matching through intelligent contracts, and operations such as transfer of securities ownership are automatically completed on the blockchain 201. Through the above processing procedures, errors are easy to occur depending on manual processing or it is difficult for a server to automatically execute a predetermined transaction flow or fund management in the related art, and the block and the intelligent contract of the block chain 201 in the resource processing system in the embodiment can be automatically performed, thereby greatly improving the efficiency and accuracy of transaction and resource processing.

In addition, the resource service platform 200 may further be provided with a contract and information disclosure management mechanism 202, and the contract and information disclosure management mechanism 202 may manage the intelligent contract and related information in the predetermined blockchain 201, which may be specifically referred to in the following processing of step S614 and step S616.

In step S614, a management request for a target intelligent contract in a predetermined blockchain 201 is received, the management request being used for instructing to delete, replace or modify the target intelligent contract.

In step S616, the target smart contract is processed according to the management request.

Because the resource service platform 200 is constructed based on the blockchain 201, the data stored in the blockchain 201 has high security and is tamper-proof, so that the resource service platform is very beneficial to supervision, approval, transaction and the like of resources, and because corresponding resource streams and information streams are precipitated into the blocks of the blockchain 201 in the resource transaction process, each transaction is public and transparent and can be traced. When each resource processing participant wants to query the related resource flow and information flow, the following processing procedures can be implemented: receiving an information query request, wherein the information query request comprises query keywords; target information matching the query keyword is searched for from a predetermined blockchain 201, and the queried target information is output.

EXAMPLE five

In this embodiment, a detailed description will be given of a resource processing system and an approval method for resource project declaration provided in the embodiment of the present invention with reference to a specific application scenario, where the corresponding application scenario is an application scenario of securitization of credit and assets of a financial institution or a bank, where the resource processing system includes a terminal device 100 and a resource service platform 200, where the terminal device 100 may be a mobile terminal device 100 such as a mobile phone or a tablet computer, or may be a device such as a personal computer. The resource service platform 200 may be an independent server or a server cluster consisting of a plurality of servers, and the resource service platform 200 may be a background service platform for securitization of assets, and the resource processing system is a credit and asset securitization system of a financial institution or a bank.

As shown in fig. 7, the present specification provides a resource processing system, specifically including a terminal device 100 and a resource service platform 200, where the resource service platform 200 may be a service platform constructed based on a predetermined blockchain 201, where blocks in the blockchain 201 store information about asset participants including one or more of an asset party, a investor 400, a trust authority 500, a hosting authority 600, an underwriting authority 800, an intermediary 700, and a transaction authority 900.

As shown in fig. 7, the resource service platform 200 may be a platform for storing related information of asset participants, and may provide information query for each asset participant or a regulatory agency 1000, etc., or provide related services (such as performing transaction operation or performing approval of project declaration, etc.) for each asset participant or user. The related information stored by the resource service platform 200 may be stored based on the blocks in the blockchain 201, and the blockchain 201 may be a federation chain formed by asset participants, such as an asset party, a investor 400, a trust authority 500, a hosting authority 600, an underwriting authority 800, an intermediary 700, and a trading authority 900. Each asset participant can store the information related to the original asset initiated by the asset party to the blocks in the block chain 201, specifically, in the process of forming the underlying asset, the information related to the asset stream and the information stream in the process of depositing and repayment can be written into the block chain 201 in real time, so as to achieve true tamper resistance of the underlying asset information; during the design and issuance phase of an asset product (e.g., securities, etc.), the ratings information of exchange 900 and rating facility may be written into blockchain 201; the investor 400 can register identity information of the investor 400 and underwritten share information into the blockchain 201 after investing. Further, the information may include information about the involved assets, information about the hosting organization 600, information about the underwriting organization 800, information about the intermediary organization 700, information about the trust organization 500, and the like. Since the related information of each asset participant is recorded in the blockchain 201, the information flow and the fund flow in the transaction processing flow required in different transaction processing processes naturally exist in the blockchain 201, so that the related asset information is not required to be repeatedly transmitted, the flow cost is greatly reduced, and the transaction processing efficiency is improved.

Based on the above, the investor 400 or the property side can make an declaration of a certain item (such as a loan item, a securities trading item, a transfer item of security ownership, etc.), and the resource service platform 200 can approve the declaration of the item. Specifically, the investor 400 or the asset party can send an approval request for claiming a target asset item (specifically, a loan item) to the resource service platform 200 through the terminal device 100, where the approval request may include an item identifier of the target asset item. After receiving the approval request, the resource service platform 200 may extract a project identifier from the approval request, and may determine the target asset project according to the project identifier. A corresponding declaration rule may be determined based on the target asset project. The declaration rule may be used to specify information required for declaring the target asset project and related information such as a process required for declaring the target asset project, and then, the resource service platform 200 may obtain information matched with the declaration rule of the target asset project from the predetermined blockchain 201, and may use the obtained information as information to be approved. The resource service platform 200 may approve information to be approved, and after the approval is completed, may record information related to the approval (which may include information used in a declaration process of a target asset project, may also include approval result information, intermediate data generated in the approval process, and the like) in a block of the block chain 201.

If the approval of the declared target asset item passes, a predetermined operation may be performed, for example, a transfer of ownership of a security, based on the acquired information matching the declaration rule of the target asset item, and if the approval of the declared target asset item (i.e., the transferred item of ownership of a security) passes, ownership of the target security may be transferred from one user to another based on the information related to the transfer of ownership of the security, so that the transfer of ownership of the target security is completed.

In addition, the resource processing system provided by this embodiment can also improve the efficiency of fund management, specifically, because the transaction structure, the rating information, the payment and repayment fund flow, the information flow, and other information are deposited on the block chain 201 in the processing stage of the transaction. Based on the information, corresponding intelligent contract application can be compiled, and through the compiled intelligent contract, in the second-level market trading stage, the bottom cash flow information can be obtained from the blockchain 201 through the query interface of the blockchain 201, so that the real-time valuation can be automatically realized by the resource processing system for both trading parties, the investor 400 carries out trading matching through the intelligent contract, and the operations of transferring the security ownership and the like can be automatically completed on the blockchain 201. Therefore, by means of manual processing, the transaction process and the fund management function which are easy to make mistakes or difficult to automate on the system can be automatically carried out through the blocks on the block chain 201 and the intelligent contracts, and the efficiency and the accuracy of transaction and fund processing are greatly improved.

In addition, the resource processing system provided by the embodiment can also solve the problem of transparent information supervision, and particularly, in the process of credit and asset securitization transaction, corresponding fund flow and information flow are deposited into the blocks of the block chain 201, and each transaction is public and transparent and can trace the origin. When a certain querying organization (such as a monitoring organization 1000) wants to query related asset streams and information streams, a corresponding query flow is shown in fig. 4, that is, the querying organization logs in a resource processing system through a terminal device 100 and can input related keywords to query information, the resource processing system queries a rear-end resource service platform 200 through an intelligent contract application query interface, and the resource service platform 200 queries transaction information of each stage, such as asset information, approval information, rating information, and the like stored in a block chain 201, and returns the transaction information to the terminal device 100.

As shown in fig. 4, each SPV, the intermediary organization 700, the investment organization, the underwriting organization 800, and the supervision organization 1000 may query related information through the block chain 201 according to a corresponding key or certificate, and the resource service platform 200 provides a uniform query interface and function, so that no pairwise docking between the organizations is required, and through the processing of the block chain 201, the information supervision transparency can be greatly improved, and the information disclosure efficiency can be improved.

In addition, as shown in fig. 4, a contract and information disclosure management mechanism 202 may be further disposed in the resource service platform 200, and the intelligent contracts and related information in the predetermined blockchain 201 may be managed through the contract and information disclosure management mechanism 202.

The embodiment of the present specification provides a resource processing system, which is executed by a resource service platform, where the resource service platform is a service platform constructed based on a predetermined block chain, and a block in the block chain stores related information of resource processing participants, and the resource processing participants include one or more of a resource party, a sponsor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority, and a transaction authority, where: the resource service platform is used for acquiring information to be approved matched with the declaration rule of the target resource item from the preset block chain, approving the acquired information, recording the information generated by the approval into the block of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and the participants do not need to repeatedly transmit the related resource information, thereby greatly reducing the process cost, The resource processing flow is simplified, and the resource processing efficiency is improved.

EXAMPLE six

Based on the same idea, the resource processing system provided in the embodiment of the present specification further provides an approval apparatus for resource project declaration, as shown in fig. 8.

The approval device for resource project declaration comprises: a request receiving module 801, a first information obtaining module 802 and an approval module 803, wherein:

a request receiving module 801, configured to receive an approval request submitted by a target resource project;

a first information obtaining module 802, configured to obtain, according to a declaration rule of the target resource item, to-be-examined and approved information that matches the declaration rule from a predetermined block chain, where the to-be-examined and approved information includes resource information of the target resource item and investor information;

an approval module 803, configured to approve the obtained information that matches the declaration rule, and record the information generated by approval into a block of the predetermined block chain.

In the embodiment of the present specification, the target resource item is a resource item in an asset securitization service.

In an embodiment of this specification, the target resource item is a transfer item of security ownership, and the apparatus further includes:

In an embodiment of this specification, the apparatus further includes:

An embodiment of the present specification provides an approval apparatus for resource project declaration, where the approval apparatus for resource project declaration is constructed based on a predetermined block chain, and a block in the block chain stores related information of a resource processing participant, and the resource processing participant includes one or more of a resource party, a resource supplier, a trust authority, a hosting authority, a reimbursement authority, an intermediary authority, and a transaction authority, where: a terminal device, an examination and approval device for requesting resource project declaration inquires information stored based on the blocks in the block chain from a preset block chain, and sends an examination and approval request of target resource project declaration to an examination and approval device of the resource project declaration, an examination and approval device for resource project declaration, a resource processing system for acquiring information to be examined and approved matched with a declaration rule of the target resource project from the preset block chain, examining and approving the acquired information, recording the information generated by examination and approval into the blocks of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and related resource information is not required to be repeatedly transmitted among participants, the process cost is greatly reduced, the resource processing process is simplified, and the resource processing efficiency is improved.

EXAMPLE seven

Based on the same idea, the resource project declaration approving apparatus provided in the embodiment of the present specification further provides an approving device for resource project declaration, as shown in fig. 9.

The approval device for resource project declaration may be a resource service platform provided in the foregoing embodiment.

The approval devices for resource item declaration may have large differences due to different configurations or performances, and may include one or more processors 901 and a memory 902, where the memory 902 may store one or more stored applications or data. Memory 902 may be, among other things, transient storage or persistent storage. The application program stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an approval facility for a resource item declaration. Still further, the processor 901 may be configured to communicate with the memory 902 to execute a series of computer-executable instructions in the memory 902 on an approval device for a resource item declaration. The approval apparatus for resource item declaration may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input-output interfaces 905, and one or more keyboards 906.

In particular, in this embodiment, the approval apparatus for resource item declaration includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the approval apparatus for resource item declaration, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for:

receiving an approval request submitted by a target resource project;

In an embodiment of this specification, the target resource item is a transfer item of securities ownership, and the method further includes:

In an embodiment of this specification, the method further includes:

An embodiment of the present specification provides an approval apparatus for resource project declaration, where the approval apparatus for resource project declaration is constructed based on a predetermined block chain, and a block in the block chain stores related information of a resource processing participant, and the resource processing participant includes one or more of a resource party, a resource supplier, a trust authority, a hosting authority, a reimbursement authority, an intermediary authority, and a transaction authority, where: a terminal device, an examination and approval device for requesting resource project declaration inquires information stored based on the blocks in the block chain from a preset block chain, and sends an examination and approval request of target resource project declaration to the examination and approval device of resource project declaration, the examination and approval device of resource project declaration is used for acquiring information to be examined and approved matched with declaration rules of the target resource project from the preset block chain, examining and approving the acquired information, recording the information generated by examination and approval into the blocks of the block chain, and/or performing preset transaction operation based on the acquired information, so that the resource processing system based on the block chain can store the information in each process of resource processing, therefore, in the process of different resource processing, the required related information is stored in the block chain, and related resource information is not required to be repeatedly transmitted among participants, the process cost is greatly reduced, the resource processing process is simplified, and the resource processing efficiency is improved.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

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

Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

Computer-readable media, including both 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.

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

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage 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 system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A resource processing system, the system comprising a terminal device and a resource service platform, the resource service platform being a service platform constructed based on a predetermined blockchain, the blocks in the blockchain storing relevant information of resource processing participants, the resource processing participants including one or more of a resource party, a sponsor, a trust authority, a hosting authority, an underwriting authority, an intermediary authority, and a transaction authority, wherein:

the terminal device is used for sending a transfer request of target security ownership and an information query request to the resource service platform, wherein the information query request comprises query keywords;

the resource service platform is used for searching target information matched with the query keyword from the preset block chain and examining and approving the target information;

the resource service platform is further used for carrying out trade matching on the transfer of the ownership of the target securities based on the information related to the transfer of the ownership of the target securities if the examination and approval of the target information is passed, so that the ownership of the target securities is transferred.

2. The system of claim 1, the resource services platform further configured to trade match the transfer of ownership of the target security based on a smart contract in the predetermined blockchain.

3. The system of claim 2, wherein the intelligent contract is a target intelligent contract generated by the resource service platform based on information associated with a target resource item, the information including resource information for the target resource item, transaction structure information, rating information, resource flows and information flows in issuing resources and redeeming resources.

4. The system of claim 3, the target information comprising approval information, the resource service platform further to:

receiving an approval request submitted by the target resource project;

according to the declaration rule of the target resource item, obtaining information to be approved matched with the declaration rule from a preset block chain, approving the information to be approved, and recording approval information generated by approval into a block of the preset block chain, wherein the information to be approved comprises resource information of the target resource item and investor information.

5. The system of claim 1, the target resource item being a resource item in an asset securitization service.

6. The system of claim 3, the resource services platform, further to:

7. A method of approval of a resource item declaration, the method comprising:

receiving a transfer request and an information query request of target security ownership, wherein the information query request comprises query keywords;

searching target information matched with the query keyword from a preset block chain, and examining and approving the target information;

and if the approval of the target information is passed, performing trade matching on the transfer of the ownership of the target security based on the information related to the transfer of the ownership of the target security so as to transfer the ownership of the target security.

8. The method of claim 7, wherein the target information comprises approval information, and prior to the searching for target information matching the query keyword from the predetermined blockchain, further comprising:

receiving an approval request submitted by the target resource project;

9. An approval apparatus for resource item declaration, the apparatus comprising:

the system comprises a request receiving module, a target security ownership transfer module and an information query module, wherein the request receiving module is used for receiving a transfer request of target security ownership and an information query request, and the information query request comprises query keywords;

the examination and approval module is used for searching target information matched with the query keyword from a preset block chain and examining and approving the target information;

and the trading module is used for carrying out trading match on the transfer of the ownership of the target securities based on the information related to the transfer of the ownership of the target securities if the examination and approval of the target information is passed so as to transfer the ownership of the target securities.

10. An approval apparatus for resource item declaration, the approval apparatus for resource item declaration comprising:

a processor; and