CN108876362A

CN108876362A - A kind of virtual resource allocation method and device

Info

Publication number: CN108876362A
Application number: CN201710340387.9A
Authority: CN
Inventors: 陈盛东; 胡淳; 胡淳一; 徐刚
Original assignee: Shanghai Win Win Network Technology Co Ltd
Current assignee: Shanghai Win Win Network Technology Co Ltd
Priority date: 2017-05-15
Filing date: 2017-05-15
Publication date: 2018-11-23

Abstract

This application discloses a kind of virtual resource allocation methods, are applied to schedule virtual resources system, including：Schedule virtual resources system can correspond to the resource occupation information of resources requesting party based on resource occupation side, the virtual resource allocation for corresponding to resources requesting party is initiated to resource provider, and tripartite can rely on above-mentioned schedule virtual resources system online negotiation and go out virtual resource allocation agreement, and submit data signature respectively to complete subsequent virtual resource allocation, to can not only promote the utilization rate of the slack resources of resource provider, human cost when initiating virtual resource allocation to resource provider based on resource occupation information can also be saved.

Description

A kind of virtual resource allocation method and device

Technical field

This application involves technical field of information processing more particularly to a kind of virtual resource allocation method and devices.

Background technique

Virtual resource allocation is a kind of common concepts of computer application technology, can both have been referred to inside an equipment Virtual resource allocation, can also refer to the scheduling of resource between multiple devices.In these application scenarios, " resource " is all often Limited, demand of the resources requesting party to resource is likely larger than the total quantity of itself practical resource possessed, and resource provider But still there may be a large amount of " idle " resource；Therefore, how " idle " resource of resource provider is carried out reasonable Scheduling, enables resource utilization to improve as far as possible, is always researcher's important directions of interest.

Summary of the invention

In view of this, the application provides a kind of virtual resource allocation method, it is applied to schedule virtual resources system, including：

Obtain the resource occupation information that resource occupation side corresponds to resources requesting party；Wherein, the resource occupation packet Include the first quantity that the resource occupation side occupies the virtual resource of the resources requesting party；

Divided based on the resource occupation information to the virtual resource that resource provider initiates to correspond to the resources requesting party Match；

Obtain the virtual resource allocation agreement that tripartite's online negotiation goes out；And obtain pair submitted respectively by the tripartite The electronic signature of virtual resource allocation agreement described in Ying Yu；Wherein, the tripartite includes that the resources requesting party, the resource account for With the square and described resource provider；The virtual resource allocation agreement includes that the tripartite is gone out based on first quantity negotiation Virtual resource to be allocated the second quantity；

When getting the virtual resource allocation agreement and the electronic signature, the resource provider is notified to be based on The virtual resource allocation agreement distributes virtual resource to the resources requesting party.

Optionally, further include：

The resource occupation information is pushed into the resources requesting party and the resource occupation side, by the resource Requesting party and the resource occupation side confirm the resource occupation information；

After the resources requesting party and the resource occupation side confirm the resource occupation information, based on pre- If strategy collects the virtual resource of third quantity to the resources requesting party；And it is counted to resource occupation side distribution the 4th The virtual resource of amount；

Optionally, wherein the third quantity is greater than the 4th quantity.

Optionally, the schedule virtual resources system is the distributed system based on decentralization framework.

Optionally, further include：

The virtual resource allocation agreement that the tripartite consultation is gone out, and the electronic signature submitted back up to described respectively The node device of each decentralization in schedule virtual resources system.

Optionally, further include：

Obtain the determination information uploaded after tripartite schedule virtual resources system described in successful registration；And by institute State the electronic signature corresponding to the determining information that tripartite submits respectively；Wherein, the determining information includes the tripartite The authorization message of identity information and the tripartite to the schedule virtual resources system.

Optionally, described to initiate to correspond to the resources requesting party's to resource provider based on the resource occupation information Before virtual resource allocation, further include：

It sends a notification message to the resources requesting party；Wherein, the notification message is for notifying the resources requesting party It is confirmed whether to request distribution virtual resource to resource provider based on the resource occupation information；

When receiving the confirmation message of the resources requesting party, then initiate to correspond to the money to the resource provider The virtual resource allocation of source requesting party.

Optionally, the virtual resource allocation for corresponding to the resources requesting party is initiated to the resource provider, including：

Multiple resource providers of virtual resource allocation, and void corresponding with the multiple resource provider will be can provide Quasi- resource allocation policy, pushes to the resources requesting party, to be selected by the resources requesting party；

The resource provider of resources requesting party's selection is obtained, and the resource selected to the resources requesting party provides Fang Faqi corresponds to the virtual resource allocation of the resources requesting party.

Optionally, the schedule virtual resources system carries workflow program；

The virtual resource allocation agreement for obtaining tripartite's online negotiation and going out, including：

Obtain the virtual resource that the workflow program that the tripartite is carried based on the schedule virtual resources system negotiates Distributorship agreement.

Optionally, user terminal corresponding with the tripartite is equipped with portable electronic signature hardware respectively；The electricity Son signature is submitted by the tripartite based on the electronic signature hardware.

Optionally, described that the resource provider is notified to be based on the virtual resource allocation agreement to the resources requesting party Virtual resource is distributed, including：

Initiate the signature authentication for the electronic signature submitted respectively to the tripartite；

After the electron underwriting authentication passes through, notify the resource provider be based on the virtual resource allocation agreement to The resources requesting party distributes virtual resource.

Optionally, the signature authentication of the electronic signature for initiating to submit the tripartite respectively, including following authenticating party Any in formula：

Signature authentication is carried out to the electronic signature that the tripartite submits respectively in local；

The electronic signature that the tripartite submits respectively is further committed to Third Party Authentication mechanism and carries out signature authentication；

The electronic signature that the tripartite submits respectively is further committed to the resource provider, to be mentioned by the resource Supplier locally carries out signature authentication at it；Alternatively, the electronic signature is further committed to by the resource provider described Third Party Authentication mechanism carries out signature authentication.

Optionally, the resource occupation side occupies the virtual resource of the resources requesting party, with the resource provider point The virtual resource of resources requesting party described in dispensing is different types of virtual resource.

Optionally, the virtual resource is fund；The virtual resource allocation is financing loan；The resources requesting party is Creditor；The resource occupation side is debtor；The resource occupation information is between the creditor and the debtor Accounts receivable information；The resource provider be bank or with based on accounts receivable information carry out financing loan qualification its Its mechanism；The financing by accounts receivable tripartite that the virtual resource allocation agreement is signed between bank, creditor and debtor Agreement.

The application also proposes a kind of financing loan method, is applied to financing loan scheduling system, the method includes：

Obtain the accounts receivable information that debtor corresponds to creditor；Wherein, the accounts receivable information includes the debt Business people corresponds to the debt amount of the creditor；

It is provided a loan based on the accounts receivable information to the financing that bank initiates to correspond to the creditor；

Obtain the financing by accounts receivable tripartite agreement that tripartite's online negotiation goes out；And it obtains and is submitted respectively by the tripartite The electronic signature corresponding to the financing by accounts receivable tripartite agreement；Wherein, the tripartite includes the debtor, the debt Weigh people and the bank；The financing by accounts receivable tripartite agreement includes what the tripartite was negotiated based on the debt amount The amount of the loan of financing loan；When getting the virtual resource allocation agreement and the electronic signature, the silver is notified Row is offered loans based on the financing by accounts receivable tripartite agreement to the creditor.

Optionally, further include：

The accounts receivable information is pushed into the creditor and the debtor, by the creditor and debt Business people confirms the accounts receivable information；

After the creditor and debtor confirm the accounts receivable information, based on preset strategy to described Creditor collects the fund of default number；And the fund of default number is provided to the debtor；

Optionally, wherein the amount of the fund collected to the creditor is greater than the amount of the fund provided to the debtor.

Optionally, the financing loan scheduling system is the distributed system based on decentralization framework.

The application also proposes a kind of schedule virtual resources system, the system comprises：

First obtains module, and the resource occupation information of resources requesting party is corresponded to for obtaining resource occupation side；Wherein, institute State the first quantity that resource occupation information includes the virtual resource that the resource occupation side occupies the resources requesting party；

First initiation module, for initiating to ask corresponding to the resource to resource provider based on the resource occupation information The virtual resource allocation for the side of asking；

Second obtains module, the virtual resource allocation agreement gone out for obtaining tripartite's online negotiation；And it obtains by described The electronic signature corresponding to the virtual resource allocation agreement that tripartite submits respectively；Wherein, the tripartite includes the resource Requesting party, the resource occupation side and the resource provider；The virtual resource allocation agreement includes that the tripartite is based on Second quantity of the virtual resource to be allocated that first quantity negotiation goes out；First notification module gets the void for working as When quasi- allocation protocol and the electronic signature, notify the resource provider be based on the virtual resource allocation agreement to The resources requesting party distributes virtual resource.

The application also proposes a kind of financing loan scheduling system, the system comprises：

Third obtains module, and the accounts receivable information of creditor is corresponded to for obtaining debtor；Wherein, described to answer receipt on account Money information includes the debt amount that the debtor corresponds to the creditor；

Second initiation module, the financing for initiating to correspond to the creditor to bank based on the accounts receivable information Loan；

4th obtains module, obtains the financing by accounts receivable tripartite agreement that tripartite's online negotiation goes out；And it obtains by described The electronic signature corresponding to the financing by accounts receivable tripartite agreement that tripartite submits respectively；Wherein, the tripartite includes described Debtor, the creditor and the bank；The financing by accounts receivable tripartite agreement includes that the tripartite is based on the debt The amount of the loan for the financing loan that the business amount of money negotiates；Second notification module gets the virtual resource allocation association for working as When view and the electronic signature, the bank is notified to be based on the financing by accounts receivable tripartite agreement and provide to the creditor Loan.

In the application, schedule virtual resources system can correspond to resources requesting party's based on the resource occupation side got Resource occupation information is initiated the virtual resource allocation for corresponding to resources requesting party to resource provider, and can initiated pair Resources requesting party, resource occupation side and resource provider etc. three should be got after the virtual resource allocation of resources requesting party The virtual resource allocation agreement that square online negotiation goes out, and the electronics label corresponding to the virtual resource allocation agreement submitted respectively When name, notifies resource provider to be based on the virtual resource allocation agreement and distribute virtual resource to resources requesting party in time, realize Resource scheduling system can correspond to the resource occupation information of resources requesting party based on resource occupation side, initiate to resource provider Corresponding to the virtual resource allocation of resources requesting party, and tripartite can rely on above-mentioned schedule virtual resources system online negotiation Virtual resource allocation agreement out, and data signature is submitted respectively to complete subsequent virtual resource allocation, to can not only mention The utilization rate for rising the slack resources of resource provider can also be saved and be initiated virtually based on resource occupation information to resource provider Human cost when resource allocation.

When the technical solution of the application is applied to the financing loan scene based on accounts receivable information, financing loan scheduling System can correspond to the accounts receivable information of creditor based on the debtor got, initiate to correspond to creditor's to bank Financing loan, and can provide a loan having initiated the financing corresponding to creditor, get creditor, debtor and bank etc. three The financing by accounts receivable tripartite agreement that square online negotiation goes out, and what is submitted respectively correspond to the financing by accounts receivable tripartite agreement Electronic signature after, timely transmitting bank be based on the financing by accounts receivable tripartite agreement offer loans to creditor, realize and melt Money loan scheduling system can correspond to the accounts receivable information of creditor based on debtor, initiate to correspond to creditor to bank Financing loan, and tripartite can rely on financing loan scheduling system online negotiation go out financing by accounts receivable tripartite agreement, And data signature is submitted respectively to complete subsequent loan origination, to can not only promote the utilization of the idle fund of bank Rate can also save human cost when carrying out financing loan based on accounts receivable information.

It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not The application can be limited.

Detailed description of the invention

In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this The some embodiments recorded in application can also be obtained according to these attached drawings other for those of ordinary skill in the art Attached drawing.

Fig. 1 is the flow diagram of the virtual resource allocation method of the application；

Fig. 2 is the logic diagram that the application one implements a kind of schedule virtual resources system exemplified；

Fig. 3 is the hardware that the application one implements a kind of hardware device for carrying the schedule virtual resources system exemplified Architecture diagram；

Fig. 4 is the logic diagram that the application one implements a kind of financing exemplified loan scheduling system；

Fig. 5 is the hardware that the application one implements a kind of hardware device for carrying the financing loan scheduling system exemplified Architecture diagram.

Specific embodiment

In practical applications, demand of the resources requesting party to virtual resource is likely larger than itself practical resource possessed Total quantity, and resource provider still may have a large amount of " idle " resource；Therefore, how to rely on one it is virtual Resource scheduling system reasonably dispatches " idle " resource of resource provider, for promoting the resource of resource provider Utilization rate then has a very important significance.

With in financial technology field, for the application scenarios that financing loan is carried out based on accounts receivable information, this Under scene, above-mentioned " virtual resource " can be the fund for referring to provide to applicant as loan；Above-mentioned " resource provider " It can be bank, or with the other types of mechanism for carrying out financing loan qualification based on accounts receivable information；Above-mentioned " resource Requesting party " then can be the creditor with the demand for carrying out financing loan based on the accounts receivable information between debtor.

In the related art, for the fund for making full use of one side of bank largely to leave unused, bank allows generally for creditor will Its accounts receivable information between debtor object as security applies for the financing loan of certain amount to bank.

However, usually requiring that creditor, debt based on the existing process for carrying out financing loan based on receivable form and arrangement of lines in calligraphy or printing information People and this tripartite's joint consultation of bank sign a financing by accounts receivable tripartite agreement.Currently, this tripartite consultation and signature Financing by accounts receivable tripartite agreement usually relies on channel under line, is negotiated down online by this tripartite to complete；Not only financing loan Inefficiency, be unfavorable for promoted bank's idle fund utilization rate；Moreover, human cost is excessively high, cause to provide a loan as financing One side of application can not take the financing loan of low cost.

In view of this, the application proposes a kind of virtual resource allocation method for relying on schedule virtual resources system, virtually Resource scheduling system can correspond to the resource occupation information of resources requesting party based on the resource occupation side got, mention to resource Supplier initiates the virtual resource allocation for corresponding to resources requesting party, and can initiate the virtual money corresponding to resources requesting party After the distribution of source, the virtual resource that tripartites' online negotiation such as resources requesting party, resource occupation side and resource provider goes out is got Distributorship agreement, and submit respectively the electronic signature corresponding to the virtual resource allocation agreement when, in time notify resource provide Side distributes virtual resource to resources requesting party based on the virtual resource allocation agreement, and realizing schedule virtual resources system can be with base Correspond to the resource occupation information of resources requesting party in resource occupation side, initiates to correspond to resources requesting party's to resource provider Virtual resource allocation, and tripartite can rely on above-mentioned schedule virtual resources system online negotiation and go out virtual resource allocation association View, and data signature is submitted respectively to complete subsequent virtual resource allocation, to can not only promote the spare time of resource provider The utilization rate of resource is set, manpower when initiating virtual resource allocation to resource provider based on resource occupation information can also be saved Cost.

Further, when the technical solution of the application is applied to the financing loan scene based on accounts receivable information, also It is proposed a kind of financing loan method for relying on financing loan scheduling system, financing loan scheduling system can be based on getting Debtor corresponds to the accounts receivable information of creditor, and the financing for initiating to correspond to creditor to bank is provided a loan, and can sent out Risen corresponding to creditor financing loan, get tripartites' online negotiation such as creditor, debtor and bank go out it is receivable Funds on account are financed after tripartite agreement, and the electronic signature corresponding to the financing by accounts receivable tripartite agreement submitted respectively, in time Transmitting bank is based on the financing by accounts receivable tripartite agreement and offers loans to creditor, and realizing financing loan scheduling system can be with The accounts receivable information for being corresponded to creditor based on debtor, the financing for initiating to correspond to creditor to bank are provided a loan, and three Side can rely on financing loan scheduling system online negotiation and go out financing by accounts receivable tripartite agreement, and submit data signature respectively Subsequent loan origination is completed, to can not only promote the utilization rate of the idle fund of bank, can also be saved based on answering Receive human cost when accounts receivable information carries out financing loan.

The application is described below by specific embodiment and in conjunction with specific application scenarios.

Referring to FIG. 1, Fig. 1 is a kind of virtual resource allocation method that one embodiment of the application provides, it is applied to virtual money System is dispatched in source, executes following steps：

Step 101, the resource occupation information that resource occupation side corresponds to resources requesting party is obtained；Wherein, the resource accounts for It include the first quantity of the virtual resource that the resource occupation side occupies the resources requesting party with information；

Step 102, the void for corresponding to the resources requesting party is initiated to resource provider based on the resource occupation information Quasi- resource allocation；

Step 103, the virtual resource allocation agreement that tripartite's online negotiation goes out is obtained；And it obtains and is distinguished by the tripartite The electronic signature corresponding to the virtual resource allocation agreement submitted；Wherein, the tripartite includes the resources requesting party, institute State resource occupation side and the resource provider；The virtual resource allocation agreement includes that the tripartite is based on the debt gold Second quantity of the virtual resource to be allocated that volume negotiates；

Step 104, when getting the virtual resource allocation agreement and the electronic signature, the resource is notified to mention Supplier is based on the virtual resource allocation agreement and distributes virtual resource to the resources requesting party.

Virtual resource described above may include that any form of can be used as " resource " resourceoriented requesting party and divide The virtual objects matched；Above-mentioned resources requesting party refers to the side to resource provider application virtual resource allocation demand；On Resource provider is stated, refers to the virtual resource with a large amount of " idle ", virtual resource can be distributed with resourceoriented requesting party one Side；And above-mentioned resource occupation side, refer to that remain virtual resource with above-mentioned resources requesting party occupies relationship, occupies above-mentioned resource One side of a certain number of virtual resources of requesting party；Correspondingly, above-mentioned resource occupation information, can refer to and above-mentioned virtual resource The relevant resource occupation record of occupancy relationship；It wherein, may include that resource occupation side occupies resource in the resource occupation information The quantity of the virtual resource of requesting party, and other information relevant to above-mentioned resource occupation；Above-mentioned virtual resource allocation agreement, Can refer to the tripartite consultations such as resources requesting party, resource occupation side and resource provider go out based on above-mentioned resource occupation believe Cease relevant written voucher or the file etc. that distribution virtual resource is requested to above-mentioned resource provider.

Above-mentioned schedule virtual resources system specifically can be the virtual money that can be provided towards above-mentioned resources requesting party on line Source dispatch service corresponds to the virtual resource occupied information of resources requesting party based on resource occupation side, online to resource provider Initiate the inline system platform for corresponding to the virtual resource allocation of resources requesting party.

Wherein, the system architecture of above-mentioned schedule virtual resources system, and the above-mentioned schedule virtual resources system of carrying are hard The concrete type of part equipment, in this application without being particularly limited to；

In a kind of embodiment shown, above-mentioned schedule virtual resources system specifically can be one and be based on going to center Change the distributed system of framework；So-called decentralization framework, refer to distributed numerous node devices in systems, each node device A kind of " decentralization " characteristic of high degree of autonomy is all presented.It can be in the system of decentralization framework, between each node device Common recognition mechanism (such as specific common recognition negotiation algorithm) is carried, the data that localization generates are synchronized to other nodes in system In equipment, so that all node devices can safeguard a complete database jointly；For example, real based on block chain technology Existing " bit coin " transaction system is exactly a kind of distributed system typically based on decentralization framework.

In this way, for as the operator of above-mentioned schedule virtual resources system, it is not necessary to dispose big rule on backstage The server cluster of mould is used as " data center ", and any form of headend equipment (such as the mobile terminal, PC of user side Terminal), it all can serve as a node device in above-mentioned schedule virtual resources system, to participate in the scheduling of virtual resource Journey, so as to promote user experience.

Certainly, in practical applications, above-mentioned virtual resource system is also possible to one based on traditional centralization framework Schedule virtual resources system.In this case, above-mentioned schedule virtual resources system, can be the server cluster based on backstage The online service platform for the centralization built.

In this application, above-mentioned resource scheduling system can be used as line upper mounting plate, available above-mentioned resource occupation side with Resource occupation information between above-mentioned resource occupation side is then based on above-mentioned resource occupation information and initiates to above-mentioned resource provider Virtual resource allocation corresponding to resources requesting party.

And the tripartites such as virtual resource requesting party, virtual resource occupancy side and virtual resource provider, it can rely on Resource scheduling system is stated, online negotiation goes out virtual resource allocation agreement, and for the virtual resource allocation agreement difference negotiated Submit data signature；And for above-mentioned resource scheduling system, it is being collected into the virtual resource allocation of above-mentioned tripartite consultation out After agreement, and the electronic signature submitted respectively, i.e., it is believed that above-mentioned tripartite has completed to assist for above-mentioned virtual resource allocation The early period of view authorizes, so as to further notify resource provider is based on above-mentioned virtual resource allocation agreement to ask to above-mentioned resource The side of asking distributes virtual resource.

In this way, allow above-mentioned resource scheduling system be based on resource occupation side and above-mentioned resources requesting party it Between resource occupation information, the virtual resource allocation for corresponding to resources requesting party is initiated to resource provider, and tripartite can be with It relies on above-mentioned schedule virtual resources system online negotiation and goes out virtual resource allocation agreement, and submit data signature respectively to complete Subsequent virtual resource allocation can not only be obviously improved the utilization rate of the slack resources of resource provider, but also can save Human cost when about initiating virtual resource allocation to resource provider based on resource occupation information.

Below to be to the application scenarios that bank carries out financing loan based on accounts receivable information in financial technology field Example, is described in detail the technical solution of the application.

In the application scenarios, above-mentioned " virtual resource " can be the fund for referring to provide to applicant as loan； Above-mentioned " virtual resource allocation " can refer to financing loan；Above-mentioned " resources requesting party ", can refer to have and be based on and debtor Between accounts receivable information carry out financing loan demand creditor；Above-mentioned " resource occupation side ", then can be with it is above-mentioned There are accounts receivable debitions to obtain debtor by creditor；Above-mentioned " resource occupation information ", can be above-mentioned debtor with it is upper State the accounts receivable information between creditor；It wherein, usually may include that debtor corresponds to debt in the accounts receivable information Weigh the obligatio personalis amount of money, and other information relevant to above-mentioned debt；Above-mentioned " resource provider " can be bank, or tool There is the other types of financial institution that financing loan qualification is carried out based on accounts receivable information；And above-mentioned " virtual resource allocation association View " can be the financing by accounts receivable tripartite association with legal effect negotiated between bank, creditor and debtor View.

Wherein, it should be noted that the financing by accounts receivable tripartite association negotiated between bank, creditor and debtor The concrete form of view, in this application without being particularly limited to.In this application, all by bank, creditor and debtor Any form of written confirmation with legal effect or file that equal tripartites rely on that inline system negotiates etc., are ok As above-mentioned financing by accounts receivable tripartite agreement.

For example, in a kind of embodiment shown, above-mentioned financing by accounts receivable tripartite agreement specifically be can be by bank What one side provided has legal effect, needs the templating signed jointly by third parties such as bank, creditor and debtors Tripartite agreement file.In this case, the above tripartite can rely on inline system in the tripartite agreement file Appearance is filled in and is negotiated, and finally achieves common recognition.

In the another embodiment shown, above-mentioned financing by accounts receivable tripartite agreement is also possible to bank, creditor And any two side in debtor, relying on the circular document of the subrogation that inline system negotiates, (circular document can be with It is non-Templated file, specific format can not be fixed strictly), and by another party other than above-mentioned any two side to the notice The confirmation file of institute's receipt after file is confirmed.

For example, in one implementation, above-mentioned financing by accounts receivable tripartite agreement may include by bank, creditor according to Hold in the palm the circular document of the subrogation negotiated in inline system；And it is returned after being confirmed by debtor to the circular document The cognovit actionem file comprising information such as payback periods held.In this case, bank, creditor are relying on inline system After the circular document for negotiating above-mentioned subrogation, debtor can be submitted to online and continues to handle, is carried out by debtor Cognovit actionem；After debtor confirms the circular document, one, inline system receipt can be relied on and include repayment period The cognovit actionem file of the information such as limit.Below with the acquisition of accounts receivable information, the online of the initiation, tripartite agreement provided a loan of financing Negotiate and the four-stages such as financing loan origination based on tripartite agreement, the technical solution of the application is described in detail.

1) acquisition of accounts receivable information

In this example, above-mentioned schedule virtual resources system specifically can be a financing loan scheduling system.Wherein, should Financing loan scheduling system, is specifically also possible to the distributed system based on decentralization framework.

In the initial state, creditor (i.e. above-mentioned resources requesting party), debtor (i.e. above-mentioned resource occupation side), Yi Jiyin The tripartites such as the correlative connection of one side of row can execute registration in above-mentioned financing loan scheduling system in advance and create relevant clothes Business account, and authentication is carried out using electronic signature.

In a kind of embodiment shown, the above tripartite can hold respectively built in one the electricity of electronic signature algorithm Son signature hardware；Wherein, above-mentioned electronic signature hardware can be and be provided by the operator of above-mentioned financing loan scheduling system, It can be the third party CA (Certificate by having cooperative relationship with the operator of above-mentioned financing loan scheduling system Authority, Certificate Authority center) mechanism provides, or with bank there is the third party CA mechanism of cooperative relationship to provide.

After the completion of registration, the above tripartite can rely on above-mentioned resource scheduling system, one confirmation form of on-line signing, and Based on the electronic signature hardware held, electronic signature is submitted online to the confirmation form；After the completion of electronic signature, above three side can To further upload above-mentioned financing loan scheduling system for the electronic signature of above-mentioned confirmation file and submission.

Wherein, the information in above-mentioned confirmation form may include the above tripartite submit respectively identity information (such as with user Relevant documentary evidence of identity etc.) and the tripartite to the authorization message of above-mentioned schedule virtual resources system.Above-mentioned authorization letter The particular content of breath, in this application without limiting；For example, in practical applications, above-mentioned authorization message specifically can be State the Templated authority that the operator of schedule virtual resources system provides.

For example, still " going so that above-mentioned financing loan scheduling system is based on the distributed system of center framework is gone as an example at this In centralization " system, PC terminal or movement that system operator is used in the server of backstage deployment and user on foreground The user side equipments such as terminal are usually all the independent node devices that can be used as in " decentralization " system.

In this case, the above tripartite can be linked into respective user side by the electronic signature hardware that will hold Equipment, after signing electronically to the above-mentioned confirmation file of on-line signing, the above respective user side equipment of tripartite is as in going An independent node device in heart system can be based on existing common recognition mechanism, by above-mentioned confirmation file and submission Electronic signature, the other node devices being synchronized in decentralization system respectively, carry out distributed storage.

In this way, decentralization can be backed up to respectively to above-mentioned confirmation file, and the electronic signature of submission Each node device in system is achieved, thus when the confirmation that system operator stores on the server of backstage deployment is literary Part and electronic signature are lost or are damaged, and relevant Backup Data is still had on other node devices in systems.

Those skilled in the art is known, can also achieve to the backup of above-mentioned confirmation form to the server of centralization, This will not be repeated here.

When above-mentioned resource scheduling system get the above tripartite will be in the confirmation file of on-line signing, and the electricity submitted After son signature, at this time it is considered that the above tripartite has been completed confirmation and authorization to enrollment status, the subsequent above tripartite The service account that registration can be used to complete logs in above-mentioned schedule virtual resources platform, to complete subsequent financing loan stream Journey.And above-mentioned loan dispatches system, can be used as line upper mounting plate, the accounts receivable of active obtained between creditor and debtor Information (i.e. above-mentioned resource occupation information).

Wherein, it needs to be illustrated, above-mentioned financing loan scheduling system is receivable between creditor and debtor obtaining The concrete mode of accounts receivable information, acquisition modes including but not limited to described below.

In a kind of embodiment shown, above-mentioned accounts receivable information specifically be can be above-mentioned in login by creditor After financing loan scheduling system, the user interface that above-mentioned financing loan scheduling system user oriented provides is relied on, is actively entered System is dispatched to above-mentioned loan.

For example, can be provided previously in the user interface that above-mentioned loan scheduling system provides for inputting " accounts receivable letter The input entrance (such as input button or user option) of breath ", above-mentioned creditor are logging in above-mentioned financing using service account After scheduling system of providing a loan, above-mentioned input entrance can be triggered by the modes such as clicking, it will be related to " accounts receivable information " Document, contract and other types of with legal effect and the text of accounts receivable debt that is able to demonstrate that between creditor Part is uploaded to system.

In another embodiment, above-mentioned accounts receivable information can also log in above-mentioned loan scheduling by debtor After system, the user interface that above-mentioned loan scheduling system provides is relied on, is actively entered to above-mentioned loan and dispatches system, specifically Input mode repeats no more.

In the third embodiment, above-mentioned accounts receivable information, the system that can also be dispatched by above-mentioned loan passes through other Legal means carry out being collected for active；For example, can be docked with other accounts receivable information service platforms, by it The a large amount of accounts receivable information stored in its platform, are synchronized to local.

In this example, when above-mentioned financing is provided a loan scheduling system, by the above approach get creditor and debtor it Between accounts receivable information after, further authenticity to the accounts receivable information got can also carry out preliminary audit, so It is stored in systems afterwards；

For example, above-mentioned financing loan scheduling system can manually to document relevant to " accounts receivable information ", contract with And the file of the other types of accounts receivable debt for having legal effect and being able to demonstrate that between creditor carries out preliminary core It is real, filter out some obvious untrue or illegal accounts receivable debts.

2) initiation of financing loan

In this example, when above-mentioned financing loan scheduling system is getting the accounts receivable letter between debtor and creditor Breath, and after completing the preliminary audit of these accounts receivable information, it can be with the corresponding debt of accounts receivable information after preliminary audit People is weighed, sends one for notifying creditor to be confirmed whether to initiate financing loan to bank based on this accounts receivable information；Example Such as, in practical applications, above-mentioned notification message specifically can be one " you have an accounts receivable to can be used for financing loan, Whether continue？" text prompting message.

In this case, creditor can be based on itself actual financing demand for loan, carry out to the notification message true Recognize.When the demand that currently there is creditor financing to provide a loan, after confirming to the notification message, can be borrowed to above-mentioned financing Money dispatches system and returns to a confirmation message；And above-mentioned financing loan scheduling system shows after receiving the confirmation message Creditor authorizes this financing loan, can further provide a loan at this time to the financing that bank initiates to correspond to creditor.

It, can also be by system after creditor confirms loan financing demand in a kind of embodiment shown The accounts receivable information that the preliminary audit of middle storage is completed, further pushes to relevant debtor and creditor in systems, It is further verified by debtor and creditor.

For example, when realizing, above-mentioned financing loan scheduling system can will document relevant to accounts receivable information, contract And the file of the other types of accounts receivable debt that there is legal effect and be able to demonstrate that between creditor, pass through user Interface carries out push respectively for debtor and creditor and shows, to carry out artificial nucleus couple by creditor and debtor.

In this case, debtor and creditor can carry out manual confirmation to the accounts receivable information that system pushes； Wherein, debtor and creditor are in the mode confirmed to accounts receivable information, in this application without being particularly limited to.Than Such as, can providing ACK button in the user interface, perhaps option or prompt debtor and creditor submit electronic signature pair Accounts receivable information confirm, etc..

After debtor and creditor confirm the accounts receivable information that system pushes, above-mentioned financing loan is adjusted at this time Degree system has been successfully authenticated the authenticity of this accounts receivable information.

In this case, above-mentioned financing loan scheduling system, is also based on preset business strategy, receives to creditor The fund of certain number is taken to be used as " information charge "；At the same time it can also provide the fund of certain number to debtor as " information makes Expense ".

Wherein, it should be noted that in order to make the operator of above-mentioned financing loan scheduling system keep profit, system collection The number of " information charge " of creditor can be greater than " the information usage charges " provided to debtor.

In this way, it for the operator of above-mentioned financing loan scheduling system, will construct a kind of completely new Business model：

On the one hand, after being confirmed due to creditor to " the accounts receivable information " that system is collected into, subsequent above-mentioned financing Scheduling system of providing a loan can apply for financing loan to bank based on " the accounts receivable information " after confirmation for the creditor, therefore right For creditor, paying a stroke count volume with compensation much smaller than " information charge " of the financing amount of money to above-mentioned financing loan scheduling system is Reasonably；

On the other hand, due to above-mentioned financing loan scheduling system be based on the debition between debtor and creditor, It is creditor's application financing loan to bank, and " the accounts receivable information " for serving as guaranty needs to be carried out really by debtor Recognize, therefore the operation direction of above-mentioned financing loan scheduling system pays debtor one " information usage charges ", and debtor is come It says and an objective income；

Under this business model, debition between debtor and creditor will have been assigned certain economic valence Value.In practical applications, debtor can be by the way that by the accounts receivable information between creditor, " mortgage " be borrowed to above-mentioned financing Money dispatches system and obtains a considerable income；Creditor can be by paying a stroke count to above-mentioned financing loan scheduling system " information charge " of the volume much smaller than the financing amount of money, available one inexpensive financing loan；And it provides a loan and adjusts for above-mentioned financing For degree system, the square platform except the tripartites such as bank, creditor and debtor can be used as, pass through this business mould Operation under formula, continual acquisition economic well-being of workers and staff.

Certainly, in practical applications, in the case of some specific, the number of " information charge " of system collection creditor, It might be less that or equal to " the information usage charges " provided to debtor, in this application without being particularly limited to.

For example, when operator above-mentioned financing loan scheduling system popularization initial stage, can in advance " paying for first " expense, Using the number for " information charge " for collecting creditor, less than or equal to the mode of " the information usage charges " provided to debtor, To be promoted to system.In addition, it is necessary to supplementary explanation, as one side of debtor, due to its between creditor still Debition is remain, therefore above-mentioned financing loan scheduling system can also successfully have been repaid and above-mentioned credits in above-mentioned debtor After the accounts receivable debt of people, then above-mentioned " information usage charges " are issued to above-mentioned debtor；

For example, after above-mentioned debtor in systems confirms accounts receivable information, financing loan is adjusted when realizing Above-mentioned " information usage charges " can be delivered to the supervision account of operator by the operator of degree system, and strictly setting fund is extracted Condition, and then ensure that debtor after successfully having repaid between debtor accounts receivable debt on earth, can only obtain The permission of the pen " information usage charges " is extracted from above-mentioned supervision account.

Approximately, as one side of creditor, above-mentioned financing loan scheduling system can also successfully be paid in above-mentioned creditor After above-mentioned " information charge ", reinforms bank and offer loans to above-mentioned creditor；

For example, in one implementation, after above-mentioned creditor in systems confirms accounts receivable information, melting The operator of money loan scheduling system can notify above-mentioned creditor to pay above-mentioned " information charge ", and successfully prop up at " information charge " Fu Hou reinforms bank and offers loans to above-mentioned creditor.

Alternatively, in another implementation, bank can will be issued to the loan of creditor, it is delivered to above-mentioned melt The supervision account of the operator of money loan scheduling system, and strictly setting fund is transferred accounts condition, and then ensures that creditor only exists After paying above-mentioned " information charge " to platform, the loan that bank can be just issued to creditor is transferred accounts to creditor.

As it can be seen that in this way, the operator of above-mentioned financing loan scheduling system can be avoided to provide to the greatest extent Loss on gold.

Further, after creditor and debtor confirm the accounts receivable information that system pushes, above-mentioned financing Accounts receivable information after loan scheduling system can also will confirm that is stored in systems；Wherein, pacify to promote information Congruent grade, the accounts receivable information after confirmation, which can encrypt in the system of being published to, to be stored.

For example, when above-mentioned financing loan scheduling system is distributed system based on decentralization framework, creditor and PC terminal or mobile terminal used in debtor can also be used as one of node device in the system.Work as credits It, can be by the node device at respective place, to true after people and debtor confirm the accounts receivable information that system pushes Accounts receivable information after recognizing is encrypted, and is based on existing common recognition mechanism, the accounts receivable information after will confirm that, respectively together The other node devices walked in system are stored.

It should be pointed out that the accounts receivable information described above in detail that system is pushed by debtor and creditor into The process of row confirmation, in addition to that can be immediately performed after demand of the creditor to financing loan confirms, in practical applications, It can also provide a loan after scheduling system completes preliminary audit to the accounts receivable information got and be immediately performed in above-mentioned financing, at this Without being particularly limited in application.

In the another embodiment shown, cooperate with the operator of above-mentioned financing loan scheduling system, and The bank of registration is completed in above-mentioned financing loan scheduling system, it is understood that there may be more families；In this case, above-mentioned financing loan Scheduling system when initiating financing based on accounts receivable information to bank and providing a loan, can by the essential information of the more banks, And the financings loan strategy such as financing loan quotation of the more banks (is equivalent to virtual resource allocation strategy, generally comprises and melt Provide the interest rate of loan, the information such as payback period), creditor is pushed to, is selected by creditor.

In this way, more banks may be implemented by above-mentioned financing loan scheduling system, provide a loan to having to finance The creditor of demand is at war with quotation, and for creditor, and can be provided a loan by checking the financing of each bank quotation Etc. information, select suitable bank to carry out financing loan, facilitate reduce finance costs promoted financing loan quality.

Further, after creditor has selected bank, above-mentioned financing loan scheduling system, can be based on the debt at this time The accounts receivable information between people and debtor is weighed, executes with the bank that the creditor selects and further interacts, to the debt The bank that power people selects initiates financing loan.

For example, in one implementation, bank's phase that above-mentioned financing loan scheduling system can be selected with creditor The logged-in user of pass executes further message interaction, and the financing for initiating to correspond to creditor to the bank is provided a loan；On alternatively, The system for stating the bank that financing loan scheduling system can also be selected with creditor is directly docked, the system with the bank Further message interaction is executed, the financing for initiating to correspond to creditor to the bank is provided a loan.

3) online negotiation of tripartite agreement

In this example, when above-mentioned financing loan scheduling system, the receivable of completion is had been acknowledged based on creditor and debtor Accounts receivable information, after having initiated the financing loan corresponding to creditor to bank, creditor, debtor and bank tripartite can be with Above-mentioned financing loan scheduling system is further relied on, online negotiation goes out financing by accounts receivable tripartite agreement, so as to avoid The above tripartite, which passes through, signs above-mentioned tripartite agreement under line, and caused by unnecessary human cost waste.

It wherein, may include the above tripartite based on the debt gold between debtor and creditor in above-mentioned tripartite agreement Volume, the amount of money of the financing loan to be provided negotiated.In practical applications, the above-mentioned financing loan to be provided negotiated The amount of money, it will usually less than or equal to the debt amount between above-mentioned creditor and above-mentioned debtor.

Certainly, in some special cases, the amount of money of the above-mentioned financing loan to be provided negotiated, can also be greater than upper State the debt amount between creditor and above-mentioned debtor；For example, when the amount of money that bank can provide the financing loan of granting is big When the service of debt amount (for example bank provides financing lever), the amount of money of above-mentioned financing loan to be provided can also be big In above-mentioned debt amount.

When realizing, above-mentioned financing loan scheduling system can carry the work for online negotiation tripartite agreement in advance String routine, the above tripartite can specifically be provided a loan the workflow program carried in scheduling system by above-mentioned financing, above-mentioned to complete The information input and online negotiation of tripartite agreement.

For example, by taking above-mentioned financing loan scheduling system is based on the distributed system of center framework is gone as an example, above-mentioned work String routine can be with each node device of the distributed deployment in the system.For example, in " decentralization " system, system operation The user side equipments such as PC terminal that side uses on foreground in the server of backstage deployment and user or mobile terminal, usually It is all the independent node device that can be used as in " decentralization " system；In this case, either system operation Above-mentioned workflow program can be carried, to work as system operation on the server or user side equipment of backstage deployment in side When the workflow program that the server of backstage deployment carries breaks down, above-mentioned financing loan scheduling system still can be just for side Often operating.

Wherein, it should be noted that handle logic defined in above-mentioned workflow program and above-mentioned workflow program is each The processing sequence of a link, in this application without being particularly limited to, those skilled in the art are by the technical side of the application When case is put into effect, actual demand can be combined, handles logic and above-mentioned workflow defined in above-mentioned workflow program The processing sequence of program links carries out customized.

For example, the above tripartite states workflow program in use, the content for completing above-mentioned tripartite agreement online is filled in (usually Including accounts receivable information, refund account information and financing quotation information etc.) and tripartite agreement negotiation when, it is above-mentioned Tripartite agreement fill in and negotiation sequence, can be any form of combination of this tripartite of creditor, creditor and bank；With Workflow sequence defined in above-mentioned workflow program is for bank-debtor-creditor sequence, the above tripartite is being based on It, can be according to bank-debtor-creditor sequence when the above-mentioned tripartite agreement of above-mentioned working procedure completion is filled in and negotiated (for example the relevant registration user of bank can continue to mention after the content that line fills in above-mentioned tripartite agreement according to sequence described above Debtor is given to continue to handle, and so on), successively fills in and negotiate to complete the content of above-mentioned tripartite agreement.

In this application, when the above tripartite relies on above-mentioned financing loan scheduling system, online negotiation goes out above-mentioned tripartite association After view, it is also based on the electronic signature hardware held, submits electronic signature for the tripartite agreement negotiated is online respectively.

In this case, the above tripartite, can after going out above-mentioned tripartite agreement by above-mentioned workflow program online negotiation To use the electronic signature hardware held, sign electronically respectively to the above-mentioned tripartite agreement negotiated.When having signed electronically The electronic signature of the above-mentioned tripartite agreement and submission that negotiate can be further uploaded above-mentioned melt by Cheng Hou, the above tripartite Money loan scheduling system.

For example, still " going so that above-mentioned financing loan scheduling system is based on the distributed system of center framework is gone as an example at this In centralization " system, PC terminal or movement that system operator is used in the server of backstage deployment and user on foreground The user side equipments such as terminal are usually all the independent node devices that can be used as in " decentralization " system.This In the case of, the above tripartite can be linked into respective user side equipment, to what is negotiated by the electronic signature hardware that will hold After above-mentioned tripartite agreement is signed electronically, the above respective user side equipment of tripartite is only as one in decentralization system Vertical node device can be based on existing common recognition mechanism, by the tripartite agreement negotiated and the electronic signature of submission, respectively The other node devices being synchronized in decentralization system carry out distributed storage.

In this way, the above-mentioned tripartite agreement negotiated, and the electronic signature of submission can be backed up to respectively Each node device in decentralization system, thus when the tripartite that system operator stores on the server of backstage deployment assists Electronic signature of negotiating peace is lost or is damaged, and relevant Backup Data is still had on other node devices in systems.

4) the financing loan origination based on tripartite agreement

In this example, when above-mentioned financing loan scheduling system getting the above tripartite consultation go out above-mentioned tripartite agreement, And after the electronic signature corresponding to the tripartite agreement submitted respectively by the above tripartite, at this time i.e. it is believed that the above tripartite It completes to authorize for the early period of above-mentioned tripartite agreement, further transmitting bank can be based on above-mentioned tripartite agreement to above-mentioned credits side It offers loans.

Certainly, in practical applications, above-mentioned financing loan scheduling system is getting above-mentioned three of the above tripartite consultation out After Fang Xieyi, and the electronic signature corresponding to the tripartite agreement submitted respectively by the above tripartite, can also further it initiate To the signature authentication of above-mentioned electronic signature, and after above-mentioned electronic signature authenticates and passes through, reinforms bank and be based on above-mentioned tripartite Agreement is offered loans to above-mentioned credits side.

Wherein, in this application, to the signature authentication process of above-mentioned electronic signature, following several certifications be can specifically include Mode：

In a kind of mode, if above-mentioned financing loan scheduling system has the qualification authenticated to electronic signature, Signature authentication can be carried out to the electronic signature that the tripartite submits respectively in local.

In a further mode of operation, if above-mentioned financing loan scheduling system does not have the money authenticated to electronic signature The electron underwriting authentication that the above tripartite submits respectively can also be further committed to third party CA mechanism and sign and recognized by matter Card.

In the third mode, if above-mentioned financing loan scheduling system does not have the money authenticated to electronic signature The electronic signature that the above tripartite submits respectively can also be further committed to bank by matter, be signed by bank in its local Certification；Alternatively, above-mentioned electronic signature, which is further committed to third party CA mechanism, by bank carries out signature authentication.

In this example, bank is finally issued to the amount of money of the financing loan of above-mentioned creditor, may be typically less than or waits The debt amount in accounts receivable information between above-mentioned creditor and above-mentioned debtor.When bank is finally by financing loan hair It puts to creditor, bank or creditor can also carry out financing result active feedback to above-mentioned financing loan scheduling system Summarize, and the refund progress and credit grade of creditor are further monitored.

Wherein, it should be added that, in practical applications, receipt on account is answered between above-mentioned creditor and above-mentioned debtor The corresponding cash type of debt (i.e. the type of the virtual resource of debtor's occupancy creditor) in money information, finally sends out with bank It puts to the cash type of creditor (i.e. resource provider distribute to the virtual resource of resources requesting party type), it can not phase Together.

For example, the debt in accounts receivable information between above-mentioned creditor and above-mentioned debtor is corresponding when realizing Cash type and bank are finally delivered to the cash type of creditor, can respectively correspond different currency types；For example, above-mentioned debt The corresponding cash type of debt in accounts receivable information between power people and above-mentioned debtor can be dollar, and bank is final The cash type for being delivered to creditor can be RMB, etc..

In this case, above-mentioned financing loan scheduling system, can be in strict accordance with not co-occurrence when carrying out funds transfer Jia Ge Ku relationship between golden type finally provides debt amount between above-mentioned creditor and above-mentioned debtor and bank The financing amount of the loan to debtor carries out stringent Jia Ge Ku；

For example, the above tripartite relies on the above-mentioned financing loan scheduling system online negotiation financing amount of the loan to be provided In the process, operator can be based on the exchange rate on the same day, and the currency type of currency type and financing loan to accounts receivable debt is converted, To avoid the different and fluctuation of exchange rate with the currency type of financing loan due to debt to the greatest extent, to operator, bank, debt Side and credits side etc. cause economic loss.

In the above various embodiments, it is applied to carry out financing loan based on accounts receivable information with the technical solution of the application Application scenarios for, be described in detail.But it needs to be emphasized that carry out financing loan based on accounts receivable information It is exemplary only for application scenarios, it is not used to limit the application.

Obviously, in practical applications, the technical solution of the application can also be applied illustrated above based on accounts receivable Information carries out other than the application scenarios of financing loan, other similar " virtual resource " allocation scenarios；I.e. in this application, it removes The virtual resource of other forms other than fund, can also be equally applicable to the technical solution proposed in the application, applicant No longer it is described in detail one by one.

By above embodiments it is found that when the technical solution of the application is applied to the financing loan based on accounts receivable information When scene, a kind of financing loan method for relying on financing loan scheduling system is proposed, financing loan scheduling system can be with base Corresponding to the accounts receivable information of creditor in the debtor got, the financing for initiating to correspond to creditor to bank is provided a loan, And can provide a loan having initiated the financing corresponding to creditor, it gets the tripartites such as creditor, debtor and bank and assists online The financing by accounts receivable tripartite agreement that quotient goes out, and the electronics label corresponding to the financing by accounts receivable tripartite agreement submitted respectively After name, timely transmitting bank is based on the financing by accounts receivable tripartite agreement and offers loans to creditor, realizes financing loan and adjusts Degree system can correspond to the accounts receivable information of creditor based on debtor, and the financing for initiating to correspond to creditor to bank is borrowed Money, and tripartite can rely on financing loan scheduling system online negotiation and go out financing by accounts receivable tripartite agreement, and mention respectively Data signature is handed over to complete subsequent loan origination, it, can be with to can not only promote the utilization rate of the idle fund of bank Human cost when carrying out financing loan based on accounts receivable information is saved, allows creditor is inexpensive to apply from bank It provides a loan to financing.

Corresponding with above method embodiment, present invention also provides the embodiments of system.

Fig. 2 is referred to, the application proposes a kind of schedule virtual resources system 20.

Wherein, Fig. 3 is referred to, as hardware frame involved in the hardware device for carrying the schedule virtual resources system 20 In structure, processor, memory, nonvolatile memory, network interface and internal bus etc. are generally included；It is implemented in software to be Example, the schedule virtual resources system 20 are transported it is generally understood that the computer program of load in memory by processor The logic device that the software and hardware formed after row combines, the schedule virtual resources system 20 include：

First obtains module 201, and the resource occupation information of resources requesting party is corresponded to for obtaining resource occupation side；Its In, the resource occupation information includes the first quantity of the virtual resource that the resource occupation side occupies the resources requesting party；

First initiation module 202 corresponds to the money for initiating based on the resource occupation information to resource provider The virtual resource allocation of source requesting party；

Second obtains module 203, the virtual resource allocation agreement gone out for obtaining tripartite's online negotiation；And obtain by The electronic signature corresponding to the virtual resource allocation agreement that the tripartite submits respectively；Wherein, the tripartite includes described Resources requesting party, the resource occupation side and the resource provider；The virtual resource allocation agreement includes the tripartite The second quantity based on the virtual resource to be allocated that first quantity negotiation goes out；First notification module 204 is got for working as When the virtual resource allocation agreement and the electronic signature, the resource provider is notified to be based on the virtual resource allocation Agreement distributes virtual resource to the resources requesting party.

In this example, the first initiation module 202 is further used for：

In this example, the third quantity is greater than the 4th quantity.

In this example, the schedule virtual resources system is the distributed system based on decentralization framework.

In this example, the second acquisition module 203 is further used for：

Obtain the determination information uploaded after tripartite schedule virtual resources system described in successful registration；And by institute State the electronic signature corresponding to the determining information that tripartite submits respectively；Wherein, the determining information includes the tripartite The authorization message of identity information and the tripartite to the schedule virtual resources system；

The determination information that the tripartite is uploaded, and the electronic signature submitted, back up to the virtual resource tune respectively The node device of each decentralization in degree system.

In this example, first initiation module 202 is specifically used for：

In this example, first initiation module 202 is further used for：

In this example, the schedule virtual resources system carries workflow program；

The second acquisition module 203 is specifically used for：

In this example, user terminal corresponding with the tripartite is equipped with portable electronic signature hardware respectively；

The second acquisition module 203 is further used for：

Obtain by the tripartite by the electronic signature hardware submit corresponding to the virtual resource allocation agreement Electronic signature.

In this example, first notification module 204 is specifically used for：

In this example, the signature authentication of the electronic signature for initiating to submit the tripartite respectively, including following certification Any in mode：

In this example, the resource occupation side occupies the virtual resource of the resources requesting party, with the resource provider The virtual resource of the resources requesting party is distributed to, is different types of virtual resource.

In this example, the virtual resource is fund；The virtual resource allocation is financing loan；The resources requesting party For creditor；The resource occupation side is debtor；The resource occupation information is between the creditor and the debtor Accounts receivable information；The resource provider is bank or with carrying out financing loan qualification based on accounts receivable information Other mechanisms；The financing by accounts receivable three that the virtual resource allocation agreement is signed between bank, creditor and debtor Fang Xieyi.

Fig. 4 is referred to, the application proposes a kind of financing loan scheduling system 40.

Wherein, Fig. 5 is referred to, as hardware frame involved in the hardware device for carrying the financing loan scheduling system 40 In structure, processor, memory, nonvolatile memory, network interface and internal bus etc. are generally included；It is implemented in software to be Example, the financing loan scheduling system 40 is it is generally understood that the computer program of load in memory, is transported by processor The logic device that the software and hardware formed after row combines, the financing loan scheduling system 40 include：

Third obtains module 401, and the accounts receivable information of creditor is corresponded to for obtaining debtor；Wherein, described to answer Receipt on account money information includes the debt amount that the debtor corresponds to the creditor；

Second initiation module 402 corresponds to the creditor's for initiating based on the accounts receivable information to bank Financing loan；

4th obtains module 403, obtains the financing by accounts receivable tripartite agreement that tripartite's online negotiation goes out；And obtain by The electronic signature corresponding to the financing by accounts receivable tripartite agreement that the tripartite submits respectively；Wherein, the tripartite includes The debtor, the creditor and the bank；The financing by accounts receivable tripartite agreement includes that the tripartite is based on institute State the amount of the loan for the financing loan that debt amount negotiates；

Second notification module 404, for leading to when getting the virtual resource allocation agreement and the electronic signature Know that the bank is based on the financing by accounts receivable tripartite agreement and offers loans to the creditor.

In this example, the second initiation module 402 is further used for：

The accounts receivable information is pushed into the creditor and the debtor, by the creditor and institute Debtor is stated to confirm the accounts receivable information；

After the creditor and the debtor confirm the accounts receivable information, based on preset strategy to The creditor collects the fund of third quantity；And the fund of the 4th quantity is distributed to the debtor.

In this example, the third quantity is greater than the 4th quantity.

In this example, the financing loan scheduling system is the distributed system based on decentralization framework.

In this example, the 4th acquisition module 403 is further used for：

The financing by accounts receivable tripartite agreement that the tripartite consultation is gone out, and the electronic signature submitted, back up to respectively The node device of each decentralization in the financing loan scheduling system.

In this example, the 4th acquisition module 403 is further used for：

In this example, second initiation module 402 is specifically used for：

It sends a notification message to the creditor；Wherein, the notification message is for notifying the creditor to confirm Whether request to finance to bank based on the accounts receivable information and provide a loan；

When receiving the confirmation message of the creditor, then the financing for corresponding to the creditor is initiated to the bank Loan.

In this example, second initiation module 402 is further used for：

The more banks of financing loan, and financing corresponding with more banks loan strategy, push will be can provide To the creditor, to be selected by the creditor；

The bank of creditor's selection is obtained, and the bank selected to the creditor initiates to correspond to the credits The financing of people is provided a loan.

In this example, the financing loan scheduling system carries workflow program；

The 4th acquisition module 403 is specifically used for：

Obtain the tripartite based on it is described financing loan scheduling system carry workflow program negotiate it is described receivable Funds on account financing tripartite agreement.

The 4th acquisition module 403 is further used for：

It obtains and is assisted by the tripartite by the financing by accounts receivable tripartite that corresponds to that the electronic signature hardware is submitted The electronic signature of view.

In this example, first notification module 204 is specifically used for：

After the electron underwriting authentication passes through, the bank is notified to be based on the financing by accounts receivable tripartite agreement to institute Creditor is stated to offer loans.

The electronic signature that the tripartite submits respectively is further committed to the bank, with by the bank in its local Carry out signature authentication；It is carried out alternatively, the electronic signature is further committed to the Third Party Authentication mechanism by the bank Signature authentication.

In this example, the cash type of the debt capital of the creditor and the debtor, is issued to the bank The cash type of the loan of the credits side is different.

System that the above various embodiments illustrates, module can specifically realize by computer chip or entity, or by having The product of certain function is realized.It is a kind of typically to realize that equipment is computer or server.Wherein, the specific shape of computer Formula can be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media Player, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment In any several equipment combination.As seen through the above description of the embodiments, those skilled in the art can understand Recognize that the application can realize by means of software and necessary general hardware platform in ground.Based on this understanding, this Shen Substantially the part that contributes to existing technology can be embodied in the form of software products technical solution please in other words, The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make It obtains a computer equipment (can be personal computer, server or the network equipment etc.) and executes each embodiment of the application Or method described in certain parts of embodiment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description Module may or may not be physically separated, the function of each module can be existed when implementing application scheme It is realized in same or multiple software and/or hardwares.Some or all of mould therein can also be selected according to the actual needs Block achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are without creative efforts To understand and implement.

The above is only the specific embodiment of the application, it is noted that for the ordinary skill people of the art For member, under the premise of not departing from the application principle, several improvements and modifications can also be made, these improvements and modifications are also answered It is considered as the protection scope of the application.

Claims

1. a kind of virtual resource allocation method, which is characterized in that it is applied to schedule virtual resources system, the method includes：

Obtain the resource occupation information that resource occupation side corresponds to resources requesting party；Wherein, the resource occupation information includes institute State the first quantity that resource occupation side occupies the virtual resource of the resources requesting party；

Correspond to the virtual resource allocation of the resources requesting party to resource provider initiation based on the resource occupation information；

Obtain the virtual resource allocation agreement that tripartite's online negotiation goes out；And it obtains and is corresponded to by what the tripartite submitted respectively The electronic signature of the virtual resource allocation agreement；Wherein, the tripartite includes the resources requesting party, the resource occupation side And the resource provider；The virtual resource allocation agreement include the tripartite based on first quantity negotiation go out to Distribute the second quantity of virtual resource；

When getting the virtual resource allocation agreement and the electronic signature, it is described to notify that the resource provider is based on Virtual resource allocation agreement distributes virtual resource to the resources requesting party.

2. the method according to claim 1, wherein further including：

The resource occupation information is pushed into the resources requesting party and the resource occupation side, by the resource request The resource occupation side confirms the resource occupation information；

After the resources requesting party and the resource occupation side confirm the resource occupation information, based on default plan The virtual resource of third quantity is slightly collected to the resources requesting party；And the 4th quantity is distributed to the resource occupation side Virtual resource.

3. according to the method described in claim 2, it is characterized in that, wherein, the third quantity is greater than the 4th quantity.

4. the method according to claim 1, wherein the schedule virtual resources system is based on decentralization frame The distributed system of structure.

5. according to the method described in claim 4, it is characterized in that, further including：

The virtual resource allocation agreement that the tripartite consultation is gone out, and the electronic signature submitted back up to described virtual respectively The node device of each decentralization in resource scheduling system.

6. the method according to claim 1, wherein further including：

Obtain the determination information uploaded after tripartite schedule virtual resources system described in successful registration；And by described three The electronic signature corresponding to the determining information that side is submitted respectively；Wherein, the determining information includes the identity of the tripartite The authorization message of information and the tripartite to the schedule virtual resources system.

7. the method according to claim 1, wherein described be based on the resource occupation information to resource provider It initiates to correspond to before the virtual resource allocation of the resources requesting party, further includes：

It sends a notification message to the resources requesting party；Wherein, the notification message is for notifying the resources requesting party to confirm Whether request to distribute virtual resource to resource provider based on the resource occupation information；

When receiving the confirmation message of the resources requesting party, then initiate to ask corresponding to the resource to the resource provider The virtual resource allocation for the side of asking.

8. the method according to the description of claim 7 is characterized in that initiating to ask corresponding to the resource to the resource provider The virtual resource allocation for the side of asking, including：

Multiple resource providers of virtual resource allocation, and virtual money corresponding with the multiple resource provider will be can provide Source allocation strategy pushes to the resources requesting party, to be selected by the resources requesting party；

The resource provider hair for obtaining the resource provider of resources requesting party's selection, and being selected to the resources requesting party Play the virtual resource allocation corresponding to the resources requesting party.

9. the method according to claim 1, wherein the schedule virtual resources system carries workflow program；

Obtain the virtual resource allocation that the workflow program that the tripartite is carried based on the schedule virtual resources system negotiates Agreement.

10. method according to claim 1 or 6, which is characterized in that user terminal corresponding with the tripartite carries respectively Portable electronic signature hardware；The electronic signature is submitted by the tripartite based on the electronic signature hardware.

11. the method according to claim 1, wherein described notify the resource provider based on described virtual Allocation protocol distributes virtual resource to the resources requesting party, including：

After the electron underwriting authentication passes through, the resource provider is notified to be based on the virtual resource allocation agreement to described Resources requesting party distributes virtual resource.

12. according to the method for claim 11, which is characterized in that the electronics label for initiating to submit the tripartite respectively The signature authentication of name, including any in following authentication mode：

The electronic signature that the tripartite submits respectively is further committed to the resource provider, by the resource provider Signature authentication is carried out in its local；Alternatively, the electronic signature is further committed to the third by the resource provider Square certification authority carries out signature authentication.

13. the method according to claim 1, wherein the resource occupation side occupies the resources requesting party's Virtual resource distributes to the virtual resource of the resources requesting party with the resource provider, is different types of virtual resource.

14. the method according to claim 1, wherein the virtual resource is fund；The virtual resource allocation For financing loan；The resources requesting party is creditor；The resource occupation side is debtor；The resource occupation information is institute State the accounts receivable information between creditor and the debtor；The resource provider is bank or has based on answering receipt on account Money information carries out other mechanisms of financing loan qualification；The virtual resource allocation agreement is bank, creditor and debtor Between the financing by accounts receivable tripartite agreement signed.

15. a kind of financing loan method, which is characterized in that it is applied to financing loan scheduling system, the method includes：

Obtain the accounts receivable information that debtor corresponds to creditor；Wherein, the accounts receivable information includes the debtor Debt amount corresponding to the creditor；

Obtain the financing by accounts receivable tripartite agreement that tripartite's online negotiation goes out；And obtain pair submitted respectively by the tripartite The electronic signature of financing by accounts receivable tripartite agreement described in Ying Yu；Wherein, the tripartite includes the debtor, the creditor And the bank；The financing by accounts receivable tripartite agreement includes the financing that the tripartite is negotiated based on the debt amount The amount of the loan of loan；

When getting the virtual resource allocation agreement and the electronic signature, the bank is notified to answer receipt on account described in being based on Money financing tripartite agreement is offered loans to the creditor.

16. according to the method for claim 15, which is characterized in that further include：

The accounts receivable information is pushed into the creditor and the debtor, by the creditor and debtor The accounts receivable information is confirmed；

After the creditor and debtor confirm the accounts receivable information, preset strategy is based on to the credits People collects the fund of default number；And the fund of default number is provided to the debtor.

17. according to the method for claim 16, which is characterized in that wherein, the amount of the fund collected to the creditor is big In the amount of the fund provided to the debtor.

18. according to the method for claim 15, which is characterized in that the financing loan scheduling system is based on decentralization The distributed system of framework.

19. a kind of schedule virtual resources system, which is characterized in that the system comprises：

First obtains module, and the resource occupation information of resources requesting party is corresponded to for obtaining resource occupation side；Wherein, the money Source occupied information includes the first quantity of the virtual resource that the resource occupation side occupies the resources requesting party；

First initiation module corresponds to the resources requesting party for initiating based on the resource occupation information to resource provider Virtual resource allocation；

Second obtains module, the virtual resource allocation agreement gone out for obtaining tripartite's online negotiation；And it obtains by the tripartite The electronic signature corresponding to the virtual resource allocation agreement submitted respectively；Wherein, the tripartite includes the resource request Side, the resource occupation side and the resource provider；The virtual resource allocation agreement includes described in the tripartite is based on Second quantity of the virtual resource to be allocated that the first quantity negotiation goes out；

First notification module, for when getting the virtual resource allocation agreement and the electronic signature, described in notice Resource provider is based on the virtual resource allocation agreement and distributes virtual resource to the resources requesting party.

The scheduling system 20. a kind of financing is provided a loan, which is characterized in that the system comprises：

Third obtains module, and the accounts receivable information of creditor is corresponded to for obtaining debtor；Wherein, the accounts receivable letter Breath includes the debt amount that the debtor corresponds to the creditor；

Second initiation module, for being borrowed based on the accounts receivable information to the financing that bank initiates to correspond to the creditor Money；

4th obtains module, obtains the financing by accounts receivable tripartite agreement that tripartite's online negotiation goes out；And it obtains by the tripartite The electronic signature corresponding to the financing by accounts receivable tripartite agreement submitted respectively；Wherein, the tripartite includes the debt People, the creditor and the bank；The financing by accounts receivable tripartite agreement includes that the tripartite is based on the debt gold The amount of the loan for the financing loan that volume negotiates；

Second notification module, for when getting the virtual resource allocation agreement and the electronic signature, described in notice Bank is based on the financing by accounts receivable tripartite agreement and offers loans to the creditor.