CN109816533A - A kind of virtual resource allocation method and device - Google Patents
A kind of virtual resource allocation method and device Download PDFInfo
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- CN109816533A CN109816533A CN201711176445.5A CN201711176445A CN109816533A CN 109816533 A CN109816533 A CN 109816533A CN 201711176445 A CN201711176445 A CN 201711176445A CN 109816533 A CN109816533 A CN 109816533A
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Abstract
The present invention provides a kind of schedule virtual resources methods, can be applied to the financial financial system that core enterprise carries out financing rights management to its supply chain, this method includes establishing the permissions mapping table of the virtual resource occupancy side Yu the virtual resource requesting party；Wherein, the permissions mapping table has recorded the request permissions of the virtual resource requesting party and the virtual resource requesting party that have resource occupation relationship with virtual resource occupancy side, the request permissions include can request permissions, have can request permissions the virtual resource requesting party can based on the virtual resource occupy relationship to the virtual resource provider propose virtual resource allocation request.This method is that financing permission is arranged in multiple suppliers of same core enterprise, core enterprise is set to shield the supplier for not having financing permission to it when carrying out factoring or pledge of accounts receivable financing confirmation for supplier, supplier such as inferior or the special supplier with security properties.
Description
Technical field
The present invention relates to technical field of information processing more particularly to it is a kind of suitable for core enterprise to the financing of supplier power
Limit the method and device being managed.
Background technique
The essence of supply chain finance is the finance for providing and flexibly using that core enterprise and upstream and downstream firms link together
A kind of Financing Mode of products & services.Supplier needs core when carrying out using accounts receivable as the financing of guaranty or factoring
Heart enterprise confirms the transfer of the accounts receivable credits or pledge；However core enterprise be typically due to trade secret or other
Reason considers to carry out different financing rights managements for different suppliers.
In addition, usually organizing more financial institutions, especially coordinating vast business bank is core enterprise and its upstream
The mechanism or platform of supplier's offer financial service are required to mechanism (such as Central Bank's centralization group for the public credibility for having powerful
Knit) it ensures, to limit general platform and the supply chain financial service that more financial institutions participate in is coordinated by organization.Area
The safety of block chain technology, irreversibility can not distort the capable and transparency proofs all have been obtained, if can supply chain is golden
Melt business to establish on being proved reliable block chain in this way, safety and Cost of Credit will be greatly reduced.
The development of traditional supply chain financial business needs to sign between financial institution, core enterprise and supplier a large amount of
Legal documents, to derive many cumbersome processes and higher human cost." the People's Republic of China (PRC) put into effect in 2004
Law of electronic signature " legal basis and credit are provided for Electronic Signature endorses.
Summary of the invention
For background technique and relevant issues in summary, the present invention provides a kind of virtual resource allocation methods, answer
For schedule virtual resources system, the schedule virtual resources system includes virtual resource requesting party, and virtual resource occupancy side is empty
Quasi- resource provider；Wherein, the virtual resource provider corresponds to resources requesting party's based on the virtual resource occupancy side
Resource occupation information distributes virtual resource for the resources requesting party；The described method includes:
Establish the permissions mapping table of the virtual resource occupancy side Yu the virtual resource requesting party；Wherein, the permission
Mapping table, which has recorded, with virtual resource occupancy side there is the virtual resource requesting party of resource occupation relationship and the virtual resource to ask
The request permissions for the side of asking, the request permissions include can request permissions, have can request permissions the virtual resource requesting party
Relationship can be occupied based on the virtual resource propose virtual resource allocation request to the virtual resource provider；
Obtain virtual resource requesting party transmission described in virtual resource offer direction includes virtual resource allocation interest rate
The virtual resource allocation of information confirms；
The virtual resource requesting party is obtained in the virtual resource allocation three for receiving the virtual resource allocation confirmation initiation
Fang Xieyi；And the virtual resource occupancy side, virtual resource requesting party, virtual resource provider is respectively to the virtual money
The electronic signature that tripartite agreement is submitted is distributed in source；
Obtain the virtual resource for the quantity that virtual resource occupancy side described in virtual resource request direction provides.
Preferably, in the virtual resource occupancy side, virtual resource requesting party, virtual resource provider is respectively to the void
After the electronic signature that quasi- resource allocation tripartite agreement is submitted, stabbed for the electronic signature application time.
Preferably, after for electronic signature application time stamp, the electronic signature and its corresponding timestamp are sent out
The cloth extremely block chain database based on decentralization system.
Preferably, it is described can request permissions include first can request permissions and second can request permissions, have described first
Can request permissions the virtual resource requesting party can get that the virtual resource provider provides comprising the first virtual resource
The virtual resource allocation confirmation for distributing interest rate information, with described second can the virtual resource requesting party of request permissions can obtain
The virtual resource allocation confirmation comprising the second virtual resource allocation interest rate information that the virtual resource provider provides is obtained, it is described
First virtual resource allocation interest rate is not more than the first virtual resource allocation interest rate.
Preferably, it is described can request permissions include third can request permissions and the 4th can request permissions, have the third
Can offer third quantity in the virtual resource side of occupancying described in the virtual resource request direction of request permissions the quantity
Virtual resource, can the virtual resource side of occupancying offer the described in the virtual resource request direction of request permissions with the described 4th
The virtual resource of a quantity for four quantity, the third quantity are not more than the 4th quantity.
Preferably, the virtual resource allocation method is supplier's right management method, the schedule virtual resources system
For the financing loan system that financing permission of the core enterprise to its supplier is managed, the virtual resource requesting party is supply
Quotient, the virtual resource occupancy side are core enterprise, and the virtual resource provider is financial institution, the resource occupation information
It is the supplier to the accounts receivable information of the core enterprise, the virtual resource allocation request is financing request, described
Virtual resource allocation is confirmed as financing confirmation, and the virtual resource includes the resources shape such as currency, commercial draft, bank acceptance
One of formula or a variety of combinations.
The present invention also provides a kind of supplier's right management methods, for core enterprise to the financing permission of its supplier
The financing loan system being managed, wherein accounts payable of the financial institution based on the core enterprise is that the supplier mentions
For financing, which comprises
Establish the financing permissions mapping table of the core enterprise Yu the supplier, wherein the mapping table has recorded institute
The corresponding financing permission of supplier and the supplier that core enterprise has accounts payable relationship is stated, the financing permission includes
Can finance permission, and there is the supplier for the permission that can finance can be based on the corresponding accounts receivable of the accounts payable to finance
Mechanism proposes financing request；
Obtain the financing confirmation comprising finance rate information that the financial institution sends to the supplier；
It obtains the financing that the supplier initiates after receiving the financing confirmation message and distributes tripartite agreement；And institute
State the electronic signature that the financing distribution tripartite agreement is respectively submitted by core enterprise, the supplier and the financial institution；
Obtain the service charge that the supplier provides to the core enterprise.
Preferably, the core enterprise, the supplier and the financial institution are being obtained respectively to financing distribution
After the electronic signature that tripartite agreement is submitted, stabbed for the electronic signature application time.
Preferably, after for electronic signature application time stamp, the electronic signature and its corresponding timestamp are sent out
The cloth extremely block chain database based on decentralization system.
Preferably, the permission of financing includes high-quality finance permission and the permission that can commonly finance, and is had described high-quality
It is true that the supplier for the permission that can finance can obtain the financing comprising the first finance rate information that the financial institution provides
Recognize information, the supplier with the permission that can commonly finance can obtain melting comprising second for financial institution's offer
The financing confirmation message of interest rate information is provided, first finance rate is not more than second finance rate.
Preferably, the permission of financing includes high-quality finance permission and the permission that can commonly finance, described with high-quality
The supplier for the permission that can finance to the core enterprise provide the first quantity the service charge, it is described have can commonly melt
The supplier for providing permission provides the service charge of the second quantity to the core enterprise, and first quantity is not more than institute
State the second quantity.
Correspondingly, the present invention provides a kind of schedule virtual resources systems, are applied to schedule virtual resources system, the void
Quasi- resource scheduling system includes virtual resource requesting party, virtual resource occupancy side, virtual resource provider；Wherein, described virtual
Resource provider corresponds to the resource occupation information of resources requesting party based on the virtual resource occupancy side, is the resource request
Side's distribution virtual resource；The system comprises:
First building module, for establishing the permissions mapping of the virtual resource occupancy side Yu the virtual resource requesting party
Table；Wherein, the permissions mapping table has recorded the virtual resource requesting party for having resource occupation relationship with virtual resource occupancy side
And the request permissions of the virtual resource requesting party, the request permissions include can request permissions, have can request permissions institute
Relationship can be occupied to virtual resource provider proposition virtual resource based on the virtual resource by stating virtual resource requesting party
Distribution request；
First obtains module, includes for obtain virtual resource requesting party transmission described in virtual resource offer direction
The virtual resource allocation of virtual resource allocation interest rate information confirms；
Second obtains module, is receiving the virtual resource allocation confirmation initiation for obtaining the virtual resource requesting party
Virtual resource allocation tripartite agreement；And the virtual resource occupancy side, virtual resource requesting party, virtual resource provider
The electronic signature that the virtual resource allocation tripartite agreement is submitted respectively；
Third obtains module, the number provided for obtaining virtual resource occupancy side described in virtual resource request direction
The virtual resource of amount.
Preferably, the system also includes:
4th obtains module, in the virtual resource occupancy side, virtual resource requesting party, virtual resource provider point
After the other electronic signature submitted to the virtual resource allocation tripartite agreement, stabbed for the electronic signature application time.
Preferably, the system also includes:
First release module is used for after for electronic signature application time stamp, by the electronic signature and its correspondence
Timestamp be distributed to the block chain database based on decentralization system.
Correspondingly, the present invention provides the financing loans that a kind of financing permission of core enterprise to its supplier is managed
System, the system comprises:
Second building module, for establishing the financing permissions mapping table of the core enterprise Yu the supplier, wherein institute
It states mapping table and has recorded the corresponding financing permission of supplier and the supplier that the core enterprise has accounts payable relationship,
The financing permission includes the permission that can finance, and has the supplier for the permission that can finance can be corresponding based on the accounts payable
Accounts receivable to financial institution propose financing request；
5th obtains module, includes finance rate information for obtain that the financial institution sends to the supplier
Financing confirmation；
6th obtains module, the financing distribution initiated after receiving the financing confirmation message for obtaining the supplier
Tripartite agreement；And the core enterprise, the supplier and the financial institution distribute tripartite agreement to the financing respectively
The electronic signature of submission；
7th obtains module, obtains the service charge that the supplier provides to the core enterprise.
In the present invention, schedule virtual resources system can be asked based on its virtual resource occupancy side established with virtual resource
The mapping table for the side of asking is that virtual resource occupancy side is provided with different request permissions to corresponding virtual resource requesting party, reaches
It is empty whether orderly management virtual resource requesting party has the right to request according to its virtual resource occupied information to virtual resource provider
The purpose of quasi- resource allocation ensure that virtual resource allocation requests the security requirements of covered information.In addition, by further
For can request permissions setting first can request permissions and second can request permissions or third can request permissions and the 4th can the right of asking for
Limit is controlled for cost needed for the virtual resource allocation of corresponding virtual resource requestor requests.
Technical solution provided by the present invention is applied to the financing scene of accounts receivable information, establishes core enterprise to it
The financing loan system that the financing permission of supplier is managed is that financing power is arranged in multiple suppliers of same core enterprise
Limit shields core enterprise when carrying out factoring or pledge of accounts receivable financing confirmation for supplier and does not have financing power to it
The supplier of limit, supplier such as inferior or the special supplier with security properties.In addition, by further for can melt
High-quality finance permission and the permission that can commonly finance is arranged in the supplier for providing permission, can be the supply with high-quality permission of financing
Quotient reduces finance costs, structure of optimizing supply chain.
Virtual resource allocation method or apparatus provided by the present invention, financing loan method and device rely on block chain and
It establishes, each side is especially backed up into decentralization using the tripartite agreement for having legal contract property of electronic signature signature
Block chain distributed data base, solves the problems, such as the public credibility of the operator of the financing method and device.Further, of the invention
Timestamp has been applied in electronic signature for above-mentioned tripartite agreement, provides retrospective law guarantor for the time of signature of tripartite agreement
Card.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, 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 invention 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 virtual resource allocation method of the invention；
Fig. 2 is a kind of logic diagram of schedule virtual resources system shown in one embodiment of the invention；
Fig. 3 is a kind of hardware of hardware device for carrying the schedule virtual resources system shown in one embodiment of the invention
Architecture diagram；
Fig. 4 is a kind of logic diagram of the financing loan system of supplier's rights management shown in one embodiment of the invention；
Fig. 5 is a kind of hardware structure of hardware device for carrying the financing loan system shown in one embodiment of the invention
Figure.
Specific embodiment
Supply chain finance typically refer to by supply chain core enterprise and relative upstream and downstream firms regard one as
A entirety is to rely on core enterprise, premised on true trade, by way of self-liquidating trade financing, in supply chain
The comprehensive financial product and service that down-stream enterprise provides.According to the difference of financing assurance product, financial institution is financial by supply chain
It is divided into accounts receivable class, prepayment class and stock class financing, wherein the scale of accounts receivable class is especially huge.
National statistics office data is shown, at the end of 2016,12.6 trillion yuan of state-owned and large non-state industrial enterprises, China accounts receivable, together
Than increasing by 10%, the huge financing needs of enterprise are produced among these.And compared to huge accounts receivable, China year in 2015
Business factoring amount is only at 200,000,000,000 yuan or so, it can be seen that it is not satisfied there are also a large amount of supply chain demands, thus supply chain gold
It is huge to melt industry development space.However core enterprise sets out for the angle of itself commerce and trade information privacy, needs to it
Different permissions of financing is arranged in different suppliers.
The present invention provides a kind of vendors for same core enterprise, and different financing permissions is arranged to help it
Financing method is initiated to financial institution." financial institution " of the present invention refers to the mechanism that can provide financing, such as bank, core
Capital company, third party financing corporation of enterprise etc., " financing " mode of the present invention include but is not limited to that money-capital is borrowed
Money, commercial draft, bank acceptance etc..Below by specific embodiment and specific application scenarios is combined to carry out the present invention
Description.
Referring to FIG. 1, Fig. 1 is a kind of virtual resource allocation method that one embodiment of the invention provides, it is applied to virtual money
System is dispatched in source, executes following steps:
Step 101, the permissions mapping table of the virtual resource occupancy side Yu the virtual resource requesting party is established；Wherein,
The permissions mapping table has recorded the virtual resource requesting party for having resource occupation relationship with virtual resource occupancy side and the void
The request permissions of quasi- resources requesting party, the request permissions include can request permissions, have can request permissions the virtual money
Source requesting party can occupy relationship based on the virtual resource and propose virtual resource allocation request to the virtual resource provider；
Step 102, obtain virtual resource requesting party transmission described in virtual resource offer direction includes virtual resource
Distribute the virtual resource allocation confirmation of interest rate information；
Step 103, the virtual resource requesting party is obtained in the virtual money for receiving the virtual resource allocation confirmation initiation
Tripartite agreement is distributed in source；And the virtual resource occupancy side, virtual resource requesting party, virtual resource provider is respectively to institute
State the electronic signature of virtual resource allocation tripartite agreement submission；
Step 104, it is stabbed for the electronic signature application time；
Step 105, the electronic signature and its corresponding timestamp are distributed to the block chain based on decentralization system
Database；
Step 106, the virtual of the quantity that virtual resource occupancy side described in virtual resource request direction provides is obtained
Resource.
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 tripartite
Agreement, can refer to the tripartite consultations such as resources requesting party, resource occupation side and resource provider go out accounted for based on above-mentioned resource
The relevant written voucher or file or notice etc. of distribution virtual resource are requested to above-mentioned resource provider with information.
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 the present invention without being particularly limited to；
In a kind of embodiment shown, above-mentioned schedule virtual resources system can specifically be based on going to center with one
The distributed system for changing framework is connected or itself is the distributed system based on decentralization framework；It is so-called
Decentralization framework, refer to distributed numerous node devices in systems, and a kind of " going for high degree of autonomy is all presented in each node device
Centralization " characteristic.It is (such as specific that common recognition mechanism can be carried in the system of decentralization framework, between each node device
Common recognition negotiation algorithm), the data that localization generates are synchronized on other node devices in system, so that all nodes
Equipment can safeguard a complete database jointly；For example, based on " bit coin " transaction system that block chain technology is realized, just
It is a kind of distributed system typically based on decentralization framework.
Timestamp (time-stamp) is the voucher document of formation after one encrypted, it includes three parts:
(1) abstract (digest) for the file that need to be added timestamp；
(2) time certification mechanism (DTS) receives the date and time of file；
(3) digital signature of time certification mechanism.
In general, the process that timestamp generates are as follows: user, which first encodes the file for needing to add timestamp with Hash, to be added
Then close formation abstract sends DTS for the abstract, DTS after it joined the date and time information for receiving document again
(digital signature) is encrypted to this document, is then returned to user.Its proposition mainly provides a electronic evidence for user, with card
The generation time of certain data of bright user.In practical application, it can be used include e-commerce, finance activities it is each
A aspect, it is particularly possible to for supporting " undeniable " service of Public Key Infrastructure.
The type of time certification authority (DTS) is not limited in any way in the present invention, it is any that there is time certification technology
Mechanism the present invention it is protected in the range of.
Preferably, it is described can request permissions include first can request permissions and second can request permissions, have described first
Can request permissions the virtual resource requesting party can get that the virtual resource provider provides comprising the first virtual resource
The virtual resource allocation confirmation for distributing interest rate information, with described second can the virtual resource requesting party of request permissions can obtain
The virtual resource allocation confirmation comprising the second virtual resource allocation interest rate information that the virtual resource provider provides is obtained, it is described
First virtual resource allocation interest rate is not more than the first virtual resource allocation interest rate.
Preferably, it is described can request permissions include third can request permissions and the 4th can request permissions, have the third
Can offer third quantity in the virtual resource side of occupancying described in the virtual resource request direction of request permissions the quantity
Virtual resource, can the virtual resource side of occupancying offer the described in the virtual resource request direction of request permissions with the described 4th
The virtual resource of a quantity for four quantity, the third quantity are not more than the 4th quantity.
In the present invention, above-mentioned resource scheduling system can be used as line upper mounting plate, and institute can be established in system database
State the permissions mapping table of virtual resource occupancy side Yu the virtual resource requesting party, wherein the mapping table have recorded with virtually
Resource occupation side has the virtual resource requesting party of resource occupation relationship and the request permissions of the virtual resource requesting party, described
Request permissions include can request permissions, have can the virtual resource requesting party of request permissions can be based on the virtual resource
Occupancy relationship proposes virtual resource allocation request to the virtual resource provider；Without can request permissions the virtual money
Source requesting party cannot be occupied relationship based on the virtual resource and propose that virtual resource allocation is asked to the virtual resource provider
It asks, which can shield some virtual resource requesting parties for applying for virtual resource allocation for virtual resource occupancy side.
Virtual resource requesting party is after the virtual resource confirmation message for receiving virtual resource provider transmission, according to the specific feelings of itself
Condition can consider whether that initiation virtual resource allocation agreement, the distributorship agreement are built upon the void that above-mentioned virtual resource provider sends
The version of an agreement with legal effect on the basis of the particular content of quasi- resource confirmation message, and occupied obtaining virtual resource
Side, virtual resource requesting party can after the electronic signature that virtual resource provider respectively submits the virtual resource allocation agreement
It is stabbed to the DTS application time, and by the virtual resource allocation agreement and above-mentioned electronic signature and its timestamp to based on going to center
The block chain database of change system is sent, and deposits card with the law for completing to sign above-mentioned virtual resource allocation agreement.
Below to carry out the applied field of financing loan to financial institution based on accounts receivable information in financial technology field
For scape, technical solution of the present invention is described in detail.
In the application scenarios, above-mentioned " virtual resource " can be the fund for referring to provide to applicant as loan,
It can also be the other forms such as commercial draft or bank acceptance；Above-mentioned " virtual resource allocation " can refer to financing loan；On
" resources requesting party " is stated, can be referred to the demand for carrying out financing loan based on the accounts receivable information between core enterprise
Supplier；Above-mentioned " resource occupation side " then can be the core as debtor corresponding with the accounts receivable of above-mentioned supplier
Heart enterprise；Above-mentioned " resource occupation information ", can be the accounts receivable information between above-mentioned supplier and above-mentioned core enterprise；Its
In, in the accounts receivable information, usually may include core enterprise correspond to supplier debt amount, and with above-mentioned debt
It is engaged in relevant other information；Above-mentioned " resource provider " can be bank, or has and financed based on accounts receivable information
The other types of financial institution for qualification of providing a loan；And above-mentioned " virtual resource allocation agreement ", can be bank, core enterprise and
The financing by accounts receivable tripartite agreement with legal effect negotiated between supplier.
Confirmed below with the building of core enterprise and vendor financing authority relation, the initiation for loan requests of financing, financing
The initiation of information and the four-stages such as the initiation of tripartite agreement and signature, are described in detail technical solution of the present invention.
[1] building core enterprise and vendor financing authority relation
In this example, above-mentioned schedule virtual resources system, specifically can be one for core enterprise to its supplier into
The system of row supply chain finance financing management.In supply chain, core enterprise typically refers to buying Liao Duojia upstream supplier
Product or service and the dominant firms for forming final products.In this patent, with no restriction to the scale of core enterprise and product,
As long as product or service due to having purchased upstream supplier, and there are certain account phases at least upstream supplier's generation
The enterprise of payment relation be known as " core enterprise " in this patent.In actual production operation, core enterprise would generally be adopted
The product or service of hundreds and thousands of upstream suppliers are purchased, core enterprise can be due to the protection or other originals to itself business secret
Because considering only to choose some of suppliers, the financing business based on helping it to carry out accounts receivable transfer or pledge.
This patent provides a kind of system for carrying out the financing management of supply chain finance to its supplier for core enterprise, leads to
The mapping table for constructing core enterprise and supplier in system database is crossed, core enterprise is made to impart different suppliers with not
With the financing cooperative relationship of permission, to achieve the purpose that orderly management vendors carry out supply chain financial service.
In the initial state, supplier, nucleus and financial institution can melt in above-mentioned supply chain finance in advance
Registration is executed in resource system and creates relevant service account, and authentication is carried out using electronic signature.
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 supply chain finance financial system.Above-mentioned authorization
The particular content of information, in this application without limiting；For example, in practical applications, above-mentioned authorization message specifically can be
The Templated authority that the operator of above-mentioned supply chain finance financial system provides.
In this way, can be to above-mentioned confirmation file, and electronic signature (or time of electronic signature submitted
Stamp), each node device backed up in decentralization system respectively is achieved, thus when system operator is disposed on backstage
Server on the confirmation file that stores and electronic signature lose or damage, on other node devices in systems still
There are relevant Backup Datas.
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 supply chain finance financial system get the above tripartite will be in the confirmation file of on-line signing, Yi Jiti
After the electronic signature of friendship, at this time it is considered that the above tripartite has been completed confirmation and authorization to enrollment status, it is subsequent with
The service account that upper tripartite can use registration to complete logs in above-mentioned supply chain finance financial system platform, subsequent to complete
Financing loan process.
As shown in figure 4, constructing the financing permissions mapping table of core enterprise and its supplier in the database first, wherein
The mapping table has recorded the corresponding financing power of supplier and the supplier of the core enterprise with accounts payable relationship
Limit, the financing permission include the permission that can finance, and there is the supplier for the permission that can finance just to have permission and dealt with based on described
The corresponding accounts receivable of funds on account proposes financing request to financial institution, and financial institution can get the confession for the permission that can finance later
Answer that quotient is proposing, corresponding with core enterprise financing by accounts receivable request, and according to the comprehensive consideration of itself (such as core enterprise
The considerations such as the reversed factoring accrediting amount of industry, the product scope of the supplier and credit) financing can be requested to make to melt
Money confirms, the interest rate information of this financing business should be at least included in financing confirmation.
[2] initiation of financing request
In supply chain finance financial system provided by the present invention, it should obtain between core enterprise and supplier first
Accounts receivable information.Above-mentioned accounts receivable information specifically can be and log in above-mentioned supply chain finance financing system by core enterprise
After system, the user interface that above-mentioned supply chain finance financial system user oriented provides is relied on, is actively entered to above-mentioned financing system
System, is also possible to actively be provided to above-mentioned financial system by supplier, and it is other legal to be passed through by above-mentioned financial system
Means carry out being collected for active, will be other flat for example, can be docked with other accounts receivable information service platforms
The a large amount of accounts receivable information stored in platform, are synchronized to local.The acquisition modes of above-mentioned accounts receivable information are in the present invention not
It is restricted.Above-mentioned supply chain finance financial system, can be in database after getting above-mentioned receivable (or dealing with) accounts receivable information
The middle corresponding pass established between its core enterprise and this accounts receivable information (being accounts payable information for core enterprise)
System.
In the present invention, there are the supplier parties for the permission that can finance financing by accounts receivable can be transmitted to ask with certain core enterprise
It asks.Financing request generally comprises mode (transfer of such as credits or pledging) intention of the amount of financing request, credits disposition
Content；And be to guarantee that financing request is that the actual wishes of supplier are expressed, financing request usually requires to enclose supplier's
Signature, in supply chain finance financial system provided by the invention, supplier can be based on itself holds representative its identity
Electronic signature is made in the financing request that production data (i.e. private key) that signs electronically lifts it, and by financing request and accordingly
Electronic signature is uploaded to the supply chain finance financial system, or carries out depositing card backup in the block chain database being connected with system.
The concrete operations process of initiation about financing request, in this example, when above-mentioned supply chain finance financial system exists
The accounts receivable information between supplier and core enterprise is got, and after completing the verification of these accounts receivable information, it can
To send one for notifying that supplier is true to the corresponding supplier with the permission that can finance of the accounts receivable information after verification
Recognize whether to initiate to finance to financial institution based on this accounts receivable information and provide a loan；For example, in practical applications, above-mentioned notice disappears
Breath specifically can be one " you have an accounts receivable to can be used for financing loan, if continuation? " text prompting message.
In this case, have the supplier for the permission that can finance can be right based on itself actual financing demand for loan
The notification message is confirmed.When the demand that currently there is financing to provide a loan for supplier, after confirming to the notification message,
A confirmation message can be returned to above-mentioned supply chain finance financial system；And above-mentioned supply chain finance financial system is receiving this
After confirmation message, show that supplier authorizes this financing loan, it at this time can be further to corresponding with this accounts receivable
There is the financial institution of financing cooperative relationship to push the financing solicited message for core enterprise.
It, can will document relevant to accounts receivable information, contract when realizing about the verification to accounts receivable information
And the file of the other types of accounts receivable debt that there is legal effect and be able to demonstrate that between core enterprise and supplier,
Push is carried out respectively for core enterprise and supplier by user interface to show, it is artificial to be carried out by core enterprise and supplier
Verification.After core enterprise and supplier confirm the accounts receivable information that system pushes, above-mentioned financial system has been at this time
Through the authenticity for being successfully authenticated this accounts receivable information.
[3] initiation for confirmation message of financing
Financial institution is in the financing based on an accounts receivable information for getting supplier's sending with the permission that can finance
After request, it can be analyzed based on the accrediting amount of the own institutions to the core enterprise as accounts receivable debtor, Ke Yixiang
The supplier initiates financing confirmation message, which can usually include the quotation of financing loan, such as financing loan
The information such as interest rate, discount, payback period.Equally, in order to guarantee that the actual wishes that the financing confirmation message is financial institution are expressed,
The financing confirmation message usually requires to enclose the signature of financial institution, in supply chain finance financial system provided by the invention,
The financing that financial institution can issue it based on electronic signature production data (i.e. private key) of itself holds representative its identity
Confirmation message makes electronic signature, and financing request and corresponding electronic signature are uploaded to supply chain finance financing system
It unites, or carries out depositing card backup in the block chain database being connected with system.
In the present invention, its supplier is encouraged for the ease of core enterprise, the permission that can finance may include the high-quality power of financing
Limit and the permission that can commonly finance, the supplier with the high-quality permission of financing can obtain the financial institution and provide
The financing confirmation message comprising the first finance rate information, it is described that there is the supplier of permission of can commonly financing can obtain
The financing confirmation message comprising the second finance rate information that the financial institution provides is obtained, first finance rate is not more than
Second finance rate, such core enterprise can help the supplier with high-quality permission of financing that can commonly finance relatively power
The supplier of limit reduces its finance costs.
[4] initiation and signature of tripartite agreement
As described above, the content for the financing confirmation that the corresponding supplier of the accounts receivable information can get according to it,
Decide whether to initiate the financing distribution tripartite agreement based on this accounts receivable information, financing distribution tripartite agreement generally comprises
(such as this accounts receivable information is in supply chain finance financial system provided by the present invention for the details of this accounts receivable
Uniqueness ID, funds on account amount), core enterprise, supplier and supplier selection financial institution be based on this accounts receivable debt
The disposition mode (such as the assignment of credit or pledging) of power, and with the financial institution initiate financing confirmation message it is consistent financing about
Fixed (such as interest rate of financing loan, discount, payback period information) other information.
Wherein, it should be noted that the financing by accounts receivable negotiated between financial institution, supplier and core enterprise
The concrete form of tripartite agreement, in the present invention without being particularly limited to.In the present invention, all by financial institution, supplier
And the tripartites such as core enterprise any form of written confirmation with legal effect that relies on that inline system negotiates or
File etc. all can serve 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 financing
What system provided has legal effect, needs to be signed jointly by third parties such as financial institution, supplier and core enterprises
Templated tripartite agreement file.In this case, the above tripartite can rely on inline system to the tripartite agreement file
In content filled in and negotiated, and finally achieve common recognition.
In the another embodiment shown, above-mentioned financing by accounts receivable tripartite agreement is also possible to financial institution, supplies
Any two side in quotient and core enterprise is answered, circular document (the notice text for the subrogation that inline system negotiates is relied on
Part can be the file of non-template, and specific format can not be fixed strictly), and by another party couple other than above-mentioned any two side
The confirmation file of institute's receipt after the circular document is confirmed.
For example, in one implementation, above-mentioned financing by accounts receivable tripartite agreement may include by financial institution, supply
Quotient relies on the circular document for the subrogation that inline system negotiates；And the circular document is carried out by core enterprise true
Recognize the cognovit actionem file comprising information such as payback periods of rear receipt.In this case, bank, supplier are relying on line
After upper system negotiates the circular document of above-mentioned subrogation, core enterprise can be submitted to online and continues to handle, by core
Heart enterprise carries out cognovit actionem；After core enterprise confirms the circular document, inline system receipt one can be relied on
A cognovit actionem file comprising information such as payback periods.
The 80th article of Law of Contract in China regulation: creditor's assignment privilege, it should notify debtor.Without notice, should
It transfers the possession of to debtor's not doing the trick.Therefore cover the financing distributorship agreement of the assignment of credit content of announcement based on accounts receivable
There is vital evidential function, financing in supply chain finance provided by the present invention is in the supply chain financial service of expansion
In system, supplier relevant to this financing by accounts receivable, core enterprise and financial institution are both needed to make the financing distributorship agreement
It signs electronically, and is stabbed for the electronic signature application time of above-mentioned tripartite out, by the text and electronics of financing distribution tripartite agreement
The block chain database that signature and timestamp are sent to decentralization carries out depositing card backup.
After the signature of above-mentioned tripartite agreement, which can further notify the financial institution to assist according to the tripartite
The pact orientation supplier of view provides financing, and specific form of financing can be the resources shapes such as currency, commercial draft, bank acceptance
One of formula or a variety of combinations.The granting form of the financing can carry out on the financial system line, can be by under line
Account transfer is completed, and details are not described herein.
In financial system provided by the invention, since core enterprise helps its supplier to complete using accounts receivable as base
The financing of plinth, system, which can be set, pays a certain number of services from supplier to core enterprise after financing tripartite agreement signing
Take, the supplier with high-quality permission of financing provides the service charge of the first quantity to core enterprise, has the power that can commonly finance
The supplier of limit provides the service charge of the second quantity to core enterprise, and first quantity is not more than second quantity, thus
It is further that the supplier for having high-quality permission of financing reduces finance costs, and then the structure optimized supply chain.
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 building module 201, for establishing the permission of the virtual resource occupancy side Yu the virtual resource requesting party
Mapping table；Wherein, the permissions mapping table, which has recorded, with virtual resource occupancy side there is the virtual resource of resource occupation relationship to ask
The request permissions of the side of asking and the virtual resource requesting party, the request permissions include can request permissions, have can request permissions
The virtual resource requesting party can be occupied based on the virtual resource relationship proposed to the virtual resource provider it is virtual
Resource allocation request；
First obtains module 202, provides what virtual resource requesting party described in direction sent for obtaining the virtual resource
Virtual resource allocation confirmation comprising virtual resource allocation interest rate information；
Second obtains module 203, is receiving the virtual resource allocation confirmation for obtaining the virtual resource requesting party
The virtual resource allocation tripartite agreement of initiation；And the virtual resource occupancy side, virtual resource requesting party, virtual resource mention
The electronic signature that supplier respectively submits the virtual resource allocation tripartite agreement；
Third obtains module 204, requests virtual resource occupancy side described in direction to provide for obtaining the virtual resource
The virtual resource of one quantity.
Preferably, the system also includes:
4th obtains module 205, in the virtual resource occupancy side, virtual resource requesting party, virtual resource offer
After the electronic signature that the virtual resource allocation tripartite agreement is respectively submitted by side, stabbed for the electronic signature application time.
Preferably, the system also includes:
First release module 206, for for the electronic signature application time stab after, by it is described sign electronically and its it is right
The timestamp answered is distributed to the block chain database based on decentralization system.
Fig. 4 is referred to, the application proposes that one kind carries out the financing management of supply chain finance to its supplier for core enterprise
System 40.
Wherein, Fig. 5 is referred to, as hardware structure involved in the hardware device for carrying the finance management system 40
In, generally include processor, memory, nonvolatile memory, network interface and internal bus etc.；Taking software implementation as an example,
The finance management system 40 is it is generally understood that the computer program of load in memory, shape after being run by processor
At the logic device that combines of software and hardware, the financial system 40 includes:
Second building module 401, for establishing the financing permissions mapping table of the core enterprise Yu the supplier,
In, the mapping table has recorded the corresponding financing of supplier and the supplier that the core enterprise has accounts payable relationship
Permission, the financing permission include the permission that can finance, and there is the supplier for the permission that can finance can should be paid a bill based on described
The corresponding accounts receivable of money proposes financing request to financial institution；
5th obtains module 402, for obtaining that the financial institution sends to the supplier comprising finance rate letter
The financing of breath confirms；
6th obtains module 403, the financing initiated after receiving the financing confirmation message for obtaining the supplier
Distribute tripartite agreement；And the core enterprise, the supplier and the financial institution distribute tripartite to the financing respectively
The electronic signature that agreement is submitted；
7th obtains module 404, obtains the service charge that the supplier provides to the core enterprise.
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 (15)
1. a kind of virtual resource allocation method, is applied to schedule virtual resources system, the schedule virtual resources system includes void
Quasi- resources requesting party, virtual resource occupancy side, virtual resource provider；Wherein, the virtual resource provider is based on the void
Quasi- resource occupation side corresponds to the resource occupation information of resources requesting party, distributes virtual resource for the resources requesting party；It is special
Sign is, which comprises
Establish the permissions mapping table of the virtual resource occupancy side Yu the virtual resource requesting party；Wherein, the permissions mapping
Table has recorded the virtual resource requesting party and the virtual resource requesting party for having resource occupation relationship with virtual resource occupancy side
Request permissions, the request permissions include can request permissions, have can the virtual resource requesting party of request permissions can be with
Relationship, which is occupied, based on the virtual resource proposes virtual resource allocation request to the virtual resource provider；
Obtain virtual resource requesting party transmission described in virtual resource offer direction includes virtual resource allocation interest rate information
Virtual resource allocation confirmation；
The virtual resource requesting party is obtained in the virtual resource allocation tripartite association for receiving the virtual resource allocation confirmation initiation
View；And the virtual resource occupancy side, virtual resource requesting party, virtual resource provider is respectively to the virtual resource point
The electronic signature submitted with tripartite agreement；
Obtain the virtual resource for the quantity that virtual resource occupancy side described in virtual resource request direction provides.
2. virtual resource allocation method according to claim 1, which is characterized in that empty in the virtual resource occupancy side
Intend resources requesting party is after the electronic signature that virtual resource provider respectively submits the virtual resource allocation tripartite agreement
The electronic signature application time stamp.
3. virtual resource allocation method according to claim 2, which is characterized in that for the electronic signature application time
After stamp, the electronic signature and its corresponding timestamp are distributed to the block chain database based on decentralization system.
4. virtual resource allocation method according to claim 1 or 2 or 3, which is characterized in that it is described can request permissions include
First can request permissions and second can request permissions, with described first can the virtual resource requesting party of request permissions can obtain
The virtual resource allocation confirmation comprising the first virtual resource allocation interest rate information that the virtual resource provider provides is obtained, is had
Described second can request permissions the virtual resource requesting party can get that the virtual resource provider provides comprising second
The virtual resource allocation of virtual resource allocation interest rate information confirms that the first virtual resource allocation interest rate is not more than described first
Virtual resource allocation interest rate.
5. virtual resource allocation method according to claim 1 or 2 or 3, which is characterized in that it is described can request permissions include
Third can request permissions and the 4th can request permissions, with the third can request permissions the virtual resource request direction institute
State virtual resource occupancy side provide third quantity a quantity virtual resource, with the described 4th can request permissions institute
The virtual resource of a quantity for the 4th quantity of the virtual resource side of occupancying offer described in virtual resource request direction is provided, described the
Three quantity are not more than the 4th quantity.
6. virtual resource allocation method described in any claim in -5 according to claim 1, which is characterized in that described virtual
Resource allocation methods are supplier's right management method, and the schedule virtual resources system is that its supplier is melted in core enterprise
The financing loan system that money permission is managed, the virtual resource requesting party are supplier, and the virtual resource occupancy side is
Core enterprise, the virtual resource provider are financial institution, and the resource occupation information is the supplier to the core
The accounts receivable information of enterprise, the virtual resource allocation request is financing request, and the virtual resource allocation is confirmed as financing
Confirmation, the virtual resource includes one of resources form such as currency, commercial draft, bank acceptance or a variety of groups
It closes.
7. a kind of supplier's right management method, the financing being managed for financing permission of the core enterprise to its supplier is borrowed
Money system, wherein accounts payable of the financial institution based on the core enterprise provides financing for the supplier, and feature exists
In, which comprises
Establish the financing permissions mapping table of the core enterprise Yu the supplier, wherein the mapping table has recorded the core
Heart enterprise has the corresponding financing permission of supplier and the supplier of accounts payable relationship, and the financing permission includes that can melt
Permission is provided, there is the supplier for the permission that can finance can be based on the corresponding accounts receivable of the accounts payable to financial institution
It is proposed financing request；
Obtain the financing confirmation comprising finance rate information that the financial institution sends to the supplier；
It obtains the financing that the supplier initiates after receiving the financing confirmation message and distributes tripartite agreement；And the core
The electronic signature that the financing distribution tripartite agreement is respectively submitted by heart enterprise, the supplier and the financial institution；
Obtain the service charge that the supplier provides to the core enterprise.
8. supplier's right management method according to claim 7, which is characterized in that obtaining the core enterprise, institute
It is the electronics label after stating the electronic signature that the financing distribution tripartite agreement is respectively submitted by supplier and the financial institution
Name application time stamp.
9. supplier's right management method according to claim 8, which is characterized in that when for electronic signature application
Between stab after, by it is described electronic signature and its corresponding timestamp be distributed to the block chain database based on decentralization system.
10. according to supplier's right management method described in claim 7 or 8 or 9, which is characterized in that the permission of financing
It permission and commonly can finance permission comprising high-quality finance, the supplier with the high-quality permission of financing can obtain
The financing confirmation message comprising the first finance rate information that the financial institution provides, it is described that there is the permission that can commonly finance
The supplier can obtain the financing confirmation message comprising the second finance rate information that the financial institution provides, and described the
One finance rate is not more than second finance rate.
11. according to supplier's right management method described in claim 7 or 8 or 9, which is characterized in that the permission of financing
It permission and commonly can finance permission comprising high-quality finance, the supplier with high-quality permission of financing is to the core
Heart enterprise provides the service charge of the first quantity, and the supplier with the permission that can commonly finance looks forward to the core
Industry provides the service charge of the second quantity, and first quantity is not more than second quantity.
12. a kind of schedule virtual resources system, is applied to schedule virtual resources system, the schedule virtual resources system includes void
Quasi- resources requesting party, virtual resource occupancy side, virtual resource provider；Wherein, the virtual resource provider is based on the void
Quasi- resource occupation side corresponds to the resource occupation information of resources requesting party, distributes virtual resource for the resources requesting party；It is special
Sign is, the system comprises:
First building module, for establishing the permissions mapping table of the virtual resource occupancy side Yu the virtual resource requesting party；
Wherein, the permissions mapping table has recorded the virtual resource requesting party for having resource occupation relationship with virtual resource occupancy side and institute
State the request permissions of virtual resource requesting party, the request permissions include can request permissions, have can request permissions the void
Quasi- resources requesting party can occupy relationship based on the virtual resource and propose virtual resource allocation to the virtual resource provider
Request；
First obtains module, includes virtual for obtain virtual resource requesting party transmission described in virtual resource offer direction
The virtual resource allocation of resource allocation interest rate information confirms；
Second obtains module, for obtaining the virtual resource requesting party in the void for receiving the virtual resource allocation confirmation initiation
Quasi- resource allocation tripartite agreement；And the virtual resource occupancy side, virtual resource requesting party, virtual resource provider difference
The electronic signature that the virtual resource allocation tripartite agreement is submitted；
Third obtains module, for obtaining a quantity that virtual resource occupancy side described in virtual resource request direction provides
Virtual resource.
13. schedule virtual resources system according to claim 12, which is characterized in that the system also includes:
4th obtains module, is used in the virtual resource occupancy side, virtual resource requesting party, virtual resource provider is right respectively
After the electronic signature that the virtual resource allocation tripartite agreement is submitted, stabbed for the electronic signature application time.
14. schedule virtual resources system according to claim 13, which is characterized in that the system also includes:
First release module, for for the electronic signature application time stab after, by it is described sign electronically and its it is corresponding when
Between stamp be distributed to the block chain database based on decentralization system.
15. the financing loan system that a kind of core enterprise is managed the financing permission of its supplier, which is characterized in that described
System includes:
Second building module, for establishing the financing permissions mapping table of the core enterprise Yu the supplier, wherein described to reflect
Firing table has recorded the corresponding financing permission of supplier and the supplier that the core enterprise has accounts payable relationship, described
Financing permission includes the permission that can finance, and there is the supplier for the permission that can finance can be based on, and the accounts payable is corresponding to answer
Receipt on account money proposes financing request to financial institution；
5th obtains module, the financing comprising finance rate information sent for obtaining the financial institution to the supplier
Confirmation；
6th obtains module, distributes tripartite for obtaining the financing that the supplier initiates after receiving the financing confirmation message
Agreement；And financing distribution tripartite agreement is respectively submitted by the core enterprise, the supplier and the financial institution
Electronic signature；
7th obtains module, obtains the service charge that the supplier provides to the core enterprise.
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| CN201711176445.5A CN109816533A (en) | 2017-11-22 | 2017-11-22 | A kind of virtual resource allocation method and device |
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| CN110602215A (en) * | 2019-09-16 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Resource processing method based on alliance block chain and alliance block chain system |
| CN110675245A (en) * | 2019-09-05 | 2020-01-10 | 南京中诚区块链研究院有限公司 | Financial supply chain transaction platform system and method |
| CN111640009A (en) * | 2020-06-05 | 2020-09-08 | 中国银行股份有限公司 | Learning-aid loan issuing method and related device |
| CN111951095A (en) * | 2020-08-11 | 2020-11-17 | 中国工商银行股份有限公司 | Credit service processing method and device |
| CN112085419A (en) * | 2020-09-25 | 2020-12-15 | 中国建设银行股份有限公司 | Resource acquisition method, device and equipment |
| CN113344610A (en) * | 2021-05-18 | 2021-09-03 | 网易（杭州）网络有限公司 | Block chain-based virtual object allocation method, device and readable storage medium |
| CN115297177A (en) * | 2022-08-05 | 2022-11-04 | 中国电信股份有限公司 | Block chain resource matching method, device, system, storage medium and electronic equipment |
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| CN110298587A (en) * | 2019-06-28 | 2019-10-01 | 深圳市元征科技股份有限公司 | A kind of public resource dispatching method, system and electronic equipment and storage medium |
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| CN110602215B (en) * | 2019-09-16 | 2022-09-20 | 腾讯科技（深圳）有限公司 | Resource processing method based on alliance block chain and alliance block chain system |
| CN110602215A (en) * | 2019-09-16 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Resource processing method based on alliance block chain and alliance block chain system |
| CN111640009A (en) * | 2020-06-05 | 2020-09-08 | 中国银行股份有限公司 | Learning-aid loan issuing method and related device |
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| CN112085419A (en) * | 2020-09-25 | 2020-12-15 | 中国建设银行股份有限公司 | Resource acquisition method, device and equipment |
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| CN113344610B (en) * | 2021-05-18 | 2023-08-08 | 网易（杭州）网络有限公司 | Block chain-based virtual object allocation method, device and readable storage medium |
| CN115297177A (en) * | 2022-08-05 | 2022-11-04 | 中国电信股份有限公司 | Block chain resource matching method, device, system, storage medium and electronic equipment |
| CN117114692A (en) * | 2023-09-07 | 2023-11-24 | 广东企企通科技有限公司 | Fund management method, system, computer equipment and storage medium |
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