CN109949139A - Borrow or lend money rent method, equipment and storage medium - Google Patents
Borrow or lend money rent method, equipment and storage medium Download PDFInfo
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- CN109949139A CN109949139A CN201910254324.0A CN201910254324A CN109949139A CN 109949139 A CN109949139 A CN 109949139A CN 201910254324 A CN201910254324 A CN 201910254324A CN 109949139 A CN109949139 A CN 109949139A
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Abstract
The present invention provides a kind of debt-credit rent method, equipment and storage medium, this method comprises: generating debt-credit lease requests transaction in response to borrowing or lending money rental operations and being sent to lease side's server-side for verifying and generate transaction of borrowing money, purchase-transaction and lease when being verified and trade and return；It receives and verifies loaning bill transaction, purchase-transaction and lease transaction: when being verified, debt-credit lease requests transaction, transaction of borrowing money, purchase-transaction and lease transaction being packaged as trading group and be sent to block chain node for executing so that active user is borrowed or lent money several stable coin when trading group runs succeeded and signs that first bill signed in acknowledgement of debt, active user lends several stable coin to lease side and second bill signed in acknowledgement of debt of acquisition, lease side's several stable coin of payment are to buy commodity, commodity are rented active user and are recorded on block chain by lease side.The application, which is realized, undertakes high risk i.e. without fund side and can be relieved lease operator financial pressure, while having ensured the interests of debt-credit each side.
Description
Technical field
This application involves internet financial technology fields, and in particular to a kind of debt-credit rent method, equipment and storage medium.
Background technique
The demand of current leasing market gradually increases, certain customers based on creditum refund pressure or demand when
Between the factors such as shorter can select lease and non-purchase.
Conventional payment mode is because needing to pay high cash pledge without popular with users, gradually by fiduciary mutual
Networking leasehold mode replaces, but the latter often means that heavy financial pressure for lease operator.For debt-credit
Fund side waits high risk factors since lease operator has bankruptcy or runs away, and lease operator is not often favored by fund side.
In addition, realizing that the advantages that depositing card cochain, but traditional block chain may be implemented in debt-credit rental scheme by block chain
Debt-credit scheme because ideal money market value fluctuation it is huge, it may occur however that by means of to ideal money substantially devalue, or, repay
The problems such as ideal money substantially devalues causes such scheme to be difficult to ensure the interests of debtor and creditor, it is difficult to push away in practical applications
It is wide to use.
Summary of the invention
In view of drawbacks described above in the prior art or deficiency, it is intended to provide and a kind of undertake high risk without fund side and can delay
Solution lease operator financial pressure, while ensureing debt-credit rent method, equipment and the storage medium of debt-credit benefits of different parties.
In a first aspect, the present invention provides a kind of debt-credit rent method, this method is suitable for user terminal, comprising:
In response to borrow or lend money rental operations, generate debt-credit lease requests transaction and be sent to the server-side of the first lease side for
It verifies and generates transaction of borrowing money, purchase-transaction and lease when being verified and trade and return；Wherein, debt-credit lease requests transaction
Coin is stablized in request debt-credit several first, and first stablizes coin for lending to the first lease side, for the first lease side purchase first
Commodity simultaneously rent active user；
Receive and verify loaning bill transaction, purchase-transaction and lease transaction:
When being verified, debt-credit lease requests transaction, transaction of borrowing money, purchase-transaction and lease transaction are packaged as trading group
And it is steady active user is borrowed or lent money several first when trading group runs succeeded for executing to be sent to the node of the first block chain
Determine coin and sign first bill signed in acknowledgement of debt, active user stablizes coin for several first and lends to the first lease side and second bill signed in acknowledgement of debt of acquisition, the
One lease side payment several first stablizes coin to buy the first commodity, the first lease side for the first commodity and rent active user's record
On the first block chain.
Second aspect, the present invention provide another debt-credit rent method, and this method is suitable for the server-side of lease side, packet
It includes:
Receive and verify the debt-credit lease request that the user terminal of the first user generates and sends in response to debt-credit rental operations
Transaction: where debt-credit leases requests transaction request debt-credit several first and stablizes coin, and first, which stablizes coin, is used to lend to lease side,
So that lease side buys the first commodity and rents the first user；
When being verified, generate borrow money transaction, purchase-transaction and lease trade and return to user terminal for verifying and
Debt-credit lease requests transaction, transaction of borrowing money, purchase-transaction and lease transaction are packaged as trading group when being verified and are sent to
The node of first block chain is for executing to stablize when trading group runs succeeded by the first user debt-credit several first and coin and sign
Affix one's name to first bill signed in acknowledgement of debt, the first user by it is several first stablize coin lend to lease side and acquisition second bill signed in acknowledgement of debt, lease side pay it is several
First, which stablizes coin, rents the first user record on the first block chain to buy the first commodity, lease side for the first commodity.
The third aspect, the present invention provide another debt-credit rent method, and this method is suitable for block chain node, comprising:
Receive trading group；Wherein, trading group generates debt-credit and rents by the user terminal of the first user in response to borrowing or lending money rental operations
Requests transaction of renting and be sent to the server-side of the first lease side for verifying and when being verified generate borrow money transaction, purchase hand over
It easily trades and returns with lease, user terminal hands over debt-credit lease requests transaction, transaction of borrowing money, purchase after verifying received each transaction
Easily it is packaged and generates with lease transaction；
Trading group is executed so that coin is stablized in the first user debt-credit several first when trading group runs succeeded and signs first
If the bill signed in acknowledgement of debt, the first user stablize coin for several first and lend to the first lease side and second bill signed in acknowledgement of debt of acquisition, the payment of the first lease side
Dry first, which stablizes coin, rents the first user record in the first block chain to buy the first commodity, the first lease side for the first commodity
On.
Fourth aspect, the present invention also provides a kind of equipment, including one or more processors and memory, wherein memory
Comprising can by instruction that the one or more processors execute so that the one or more processors execute it is each according to the present invention
The debt-credit rent method that embodiment provides.
5th aspect, the present invention also provides a kind of storage medium for being stored with computer program, which makes to count
Calculation machine executes the debt-credit rent method that each embodiment provides according to the present invention.
Debt-credit rent method, equipment and the storage medium that many embodiments of the present invention provide are enterprising in block chain by user
The stabilization coin debt-credit that orientation of going is leased makes lease side that can realize nothing by buying commodity to user's loaning bill and lending user
Needing fund side to undertake high risk i.e. can be relieved the debt-credit rental scheme of lease operator financial pressure, and be ensured by stablizing coin
Borrow or lend money the interests of each side；
Debt-credit rent method, equipment and the storage medium that some embodiments of the invention provide further are repaid in lease Fang Wei
The rent that user pays is used to repay the debt to user by block chain contract when the complete debt to user, is further decreased
The risk of user；
Debt-credit rent method, equipment and the storage medium that some embodiments of the invention provide are further by user's outstanding
The debt that lease side repays user is used to repay user to fund side by block chain contract when the also complete debt to fund side
Debt, further reduce the risk of fund side.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other
Feature, objects and advantages will become more apparent upon:
Fig. 1 is the schematic diagram of a scenario that lease is borrowed or lent money in one embodiment of the invention.
Fig. 2 is a kind of flow chart for debt-credit rent method that one embodiment of the invention provides.
Fig. 3 is the flow chart for another debt-credit rent method that one embodiment of the invention provides.
Fig. 4 is the flow chart for another debt-credit rent method that one embodiment of the invention provides.
Fig. 5 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Fig. 1 is the schematic diagram of a scenario that lease is borrowed or lent money in one embodiment of the invention.Below will by taking scene shown in FIG. 1 as an example,
It is described in detail in conjunction with Fig. 2-4 pairs of solutions provided by the invention.In more embodiments, scheme provided by the invention is also
May be configured to it will be appreciated by those skilled in the art that different scenes in, and be not limited to scene shown in FIG. 1.
Fig. 2 is a kind of flow chart for debt-credit rent method that one embodiment of the invention provides.
As shown in Fig. 2, in the present embodiment, the present invention provides a kind of debt-credit rent method suitable for user terminal, comprising:
S102: in response to borrowing or lending money rental operations, the service for generating debt-credit lease requests transaction and being sent to the first lease side
End generates transaction of borrowing money, purchase-transaction and lease for verifying and when being verified and trades and return；Wherein, debt-credit lease is asked
Transaction request debt-credit several first is asked to stablize coin, first stablizes coin for lending to the first lease side, for the purchase of the first lease side
It buys the first commodity and rents active user；
S104: receiving and verifies loaning bill transaction, purchase-transaction and lease transaction:
S106: when being verified, debt-credit lease requests transaction, transaction of borrowing money, purchase-transaction and lease transaction are packaged as
Trading group and to be sent to the node of the first block chain several to borrow or lend money active user when trading group runs succeeded for executing
First stablizes coin and signs first bill signed in acknowledgement of debt, active user and by several first stablize coin and lend and second owe to the first lease side and obtaining
Item, the first lease side payment several first stablize coin and rent current use to buy the first commodity, the first lease side for the first commodity
Family is recorded on the first block chain.
For the scene shown in Fig. 1, in the present embodiment, configured with debt-credit rental agreement, the contract on the first block chain
Can be requested to lend according to transmitted by each fund side's terminal 20 stable coin transaction and each user terminal 30 transmitted by transaction
It is to be leased and the transaction for borrowing or lending money stable coin is requested to be brought together automatically in group；In another embodiment, the first block chain
On the debt-credit rental agreement that is configured can be pre- to fund side is met according to the lease loan fund that fund side prestores in contract
The user of specified requirements makes loans；In more embodiments, it can also be respectively configured on the first block chain and meet correlation method
Laws & Regulations supervision financing contract and debt-credit rental agreement, and by it will be appreciated by those skilled in the art that in a manner of to user carry out
Make loans, etc..
Wherein, the stabilization coin in the every scheme of the present invention, which refers to, ensures that value of money is anchored to the encryption goods of franc by technological means
Coin issues the assets that stable coin is worth several times by mortgage in the contract on block chain in brief and (is frozen in conjunction
In about), and pressure liquidation is carried out when Mortgage assets are devalued to a certain extent, there are enough assets to cash stable coin to ensure,
Specific detailed protocol can refer to the CN201910108500.X patent of invention that applicant applies before this, and details are not described herein again.
5000 yuan of first stable coin of debt-credit is requested with user A, this 5000 yuan first stable coin is lent and gives lease side B, with
Certain electronic product a is bought to businessman C for lease side B and electronic product a is leased to for user A:
In step s 102, request 5000 yuan of first stable coin of debt-credit with by this 5000 yuan first stabilization in response to user A
Coin, which is lent, gives lease side B, so that lease side B buys certain electronic product a to businessman C and electronic product a is leased to user A's
Rental operations are borrowed or lent money, the user terminal 30 of user A generates debt-credit lease requests transaction tx1, and tx1 is sent to the clothes of lease side B
Business end 40；
The server-side 40 of lease side B verifies tx1 after receiving tx1, specifically includes and carries out body by the public key of user A
Whether B, verifying loaning bill number and trade company C sell electronic product a on the first block chain for lease side in part verifying, verifying tx1
Price whether match, etc.:
If authentication failed, is returned to the user terminal 30 of user A and request illegal notification information；
If being proved to be successful, generates loaning bill transaction tx2, purchase-transaction tx3 and lease transaction tx4 and return to user A's
User terminal 30；
In step S104, the user terminal 30 of user A receives above-mentioned tx2, tx3 and tx4 and verifies, and specifically includes logical
Cross trade company B public key carry out authentication, verifying tx2 in loaning bill both sides and loaning bill number, verify tx3 in both parties be
Whether no lease side B and trade company C, the tradable commodity in verifying tx3 and price, the taxi object in verifying tx4 and taxi commodity
It is errorless, etc.:
If authentication failed, the wrong notification information of Transaction Information is sent to the server-side of lease side B；
If being proved to be successful, then follow the steps S106, by tx1, tx2, tx3 and tx4 be packaged as trading group [tx1, tx2, tx3,
Tx4] and it is sent to the node 101 of the first block chain；
After node 101 receives trading group [tx1, tx2, tx3, tx4], the transaction is broadcasted in the first block chain network 10
Group, and the trading group is packed into block and is executed, each transaction in the trading group is verified, for example, passing through respectively
The public key of user A and lease side B carries out authentication, every service logic whether mutual for verifying tx1, tx2, tx3, tx4
Match, whether the transaction value for verifying the commodity in tx3 sells the prices match of the commodity with trade company C on the first block chain, etc.
Deng:
If authentication failed, which executes failure；
If being proved to be successful, stable coin is lent in transaction transmitted by the debit request and each fund side's terminal 20 to tx1
Request is matched:
If in scheduled duration (or predetermined quantity block height) can not successful match, which executes failure；
If successful match, such as fund side D lend 5000 yuan of first stable coin to user A, user A is signed to fund side D
The bill signed in acknowledgement of debt, then, and debt-credit rental agreement in have:
The first account for stablizing coin to user A freezed from 5000 yuan of account transfer of fund side D, and generates A pairs of user
First bill signed in acknowledgement of debt information of 5000 yuan of fund side's D debt；And
The first account for stablizing coin to lease side B freezed from 5000 yuan of account transfer of user A, and generates lease side B
To 5000 yuan of user A debt of the second bill signed in acknowledgement of debt information；And
From 5000 yuan of account transfer of lease side B freeze first stablize coin to trade company C account, from the account of trade company C
Transfer accounts an electronic product a commodity token to lease side B account；And
From the commodity token of the above-mentioned electronic product a of account transfer of lease side B to the account of user A, and generate lease side B
One electronic product a is leased to the information of lease of user A；
Above-mentioned every terms of information is recorded on the first block chain after block is by common recognition.
Above-described embodiment is oriented the stabilization coin debt-credit of lease by user on block chain, pass through lease side can
Commodity and user is lent to user's purchase of borrowing money, realizes to undertake high risk i.e. without fund side and can be relieved and lease operator fund
The debt-credit rental scheme of pressure, and by stablize coin ensured debt-credit each side interests.
In a preferred embodiment, it can also be divided into lease side and lease operator inside lease side, and be respectively configured
Lease side's server-side 40 and lease operating service end 60, wherein the responsible asset management in lease side and debt treatment, and by lease
Lease operator is entrusted in operation, and lease operator is responsible for operation lease.In the present embodiment, trading group further includes the side of lease B
Server-side 40 generate consignment trade tx5, lease transaction tx4 generated by lease operating service end 60.
In a preferred embodiment, above-mentioned debt-credit rental agreement is also configured to freeze to work as before second bill signed in acknowledgement of debt has been repaid
The rent of preceding user's payment, and second bill signed in acknowledgement of debt is repaid automatically by the rent freezed.
Specifically, equally by taking the debt-credit lease that above-mentioned user A is carried out as an example, when the node 101 of the first block chain executes use
When the payment of hire transaction tx6 that the user terminal 30 of family A is sent, judge whether the side of lease B has repaid second bill signed in acknowledgement of debt to user A:
It is that then the user A rent paid is transferred accounts into the account of lease side B；
Rent that is no, then the user A rent paid being transferred accounts into the account of lease side B and freezes, and freezed by this
Debt repayment is carried out to user A, the debt of repayment is transferred accounts into the account of user A.
Above-described embodiment further passes through block chain contract for user's branch when leasing Fang Wei and having repaid the debt to user
The rent paid is used to repay the debt to user, further reduces the risk of user.
In a preferred embodiment, above-mentioned debt-credit rental agreement is also configured to freeze before first bill signed in acknowledgement of debt has been repaid
Knot repays the fund of second bill signed in acknowledgement of debt, and repays automatically by the fund freezed to first bill signed in acknowledgement of debt.
Equally by taking the debt-credit lease that above-mentioned user A is carried out as an example, active refund is carried out when lease side B sends transaction, or, renting
The side of renting B receives rent, when contract is refunded automatically, judges whether user A has repaid first bill signed in acknowledgement of debt of fund side D:
It is that then the B debt repaid in lease side is transferred accounts to the account of user A；
It is no, then the B debt repaid in lease side is transferred accounts to the account of user A, freezes the debt of the repayment, and by freezing
The fund to fund side D carry out debt repayment, the debt of repayment is transferred accounts into the account of fund side D.
Above-described embodiment further by not repaid the debt to fund side in user when by block chain contract will rent
The side of renting repays the debt of user for repaying user to the debt of fund side, further reduces the risk of fund side.
Fig. 3 is the flow chart for another debt-credit rent method that one embodiment of the invention provides.Method shown in Fig. 3 can match
Method shown in Fig. 2 is closed to execute.
As shown in figure 3, in the present embodiment, the present invention also provides a kind of debt-credit lease sides suitable for lease side's server-side
Method, comprising:
S302: receiving and verifies the debt-credit lease that the user terminal of the first user generates and sends in response to debt-credit rental operations
Requests transaction: where coin is stablized in debt-credit lease requests transaction request debt-credit several first, and first stablizes coin for lending to lease
Side, so that lease side buys the first commodity and rents the first user；
S304: when being verified, transaction of borrowing money, purchase-transaction and lease is generated and trades and returns to user terminal for verifying
And when being verified will debt-credit lease requests transaction, transaction of borrowing money, purchase-transaction and lease transaction to be packaged as trading group concurrent
The node to the first block chain is sent for executing so that coin is stablized in the first user debt-credit several first when trading group runs succeeded
And first bill signed in acknowledgement of debt of signature, the first user are stablized coin for several first and are lent to lease side and second bill signed in acknowledgement of debt of acquisition, the payment of lease side
Several first, which stablize coin, rents the first user record on the first block chain to buy the first commodity, lease side for the first commodity.
Preferably, debt-credit rental agreement is configured to freeze the rent of active user's payment before second bill signed in acknowledgement of debt has been repaid
Gold, and second bill signed in acknowledgement of debt is repaid automatically by the rent freezed.
It is further preferred that debt-credit rental agreement be also configured to freeze before first bill signed in acknowledgement of debt has been repaid to repay second it is deficient
The fund of item, and first bill signed in acknowledgement of debt is repaid automatically by the fund freezed.
The debt-credit lease principle of method shown in Fig. 3 can refer to method shown in Fig. 2, and details are not described herein again.
Fig. 4 is the flow chart for another debt-credit rent method that one embodiment of the invention provides.Method shown in Fig. 4 can match
Method shown in Fig. 2-3 is closed to execute.
As shown in figure 4, in the present embodiment, the present invention also provides a kind of debt-credit lease sides suitable for block chain node
Method, comprising:
S402: trading group is received；Wherein, trading group is generated by the user terminal of the first user in response to borrowing or lending money rental operations
Debt-credit lease requests transaction and be sent to the server-side of the first lease side for verifying and when being verified generate borrow money transaction,
Purchase-transaction and lease, which are traded, simultaneously to be returned, user terminal verify after received each transaction will debt-credit lease requests transaction, transaction of borrowing money,
Purchase-transaction and lease transaction are packaged and generate；
S404: trading group is executed so that coin is stablized in the first user debt-credit several first when trading group runs succeeded and is signed
First bill signed in acknowledgement of debt, the first user stablize coin for several first and lend to the first lease side and second bill signed in acknowledgement of debt of acquisition, the first lease side branch
It pays the several first stable coin and rents the first user record in the first block to buy the first commodity, the first lease side for the first commodity
On chain.
Preferably, the above method further include: the payment of hire that user terminal is sent is executed by debt-credit rental agreement and is traded, is sentenced
Whether disconnected second bill signed in acknowledgement of debt has been repaid: no, the then rent that rent freeze payment transaction is paid, and passes through freezed rent pair
Second bill signed in acknowledgement of debt is repaid.
It is further preferred that above by the rent freezed to second bill signed in acknowledgement of debt carry out repay include:
Judge whether first bill signed in acknowledgement of debt has been repaid: it is no, then freeze the rent for repaying second bill signed in acknowledgement of debt and first bill signed in acknowledgement of debt is carried out
It repays.
Preferably, the above method further include: the refund that server-side is sent is executed by debt-credit rental agreement and is traded, judges the
Whether one bill signed in acknowledgement of debt has been repaid: it is no, then freeze the fund of refund exchange payment and first bill signed in acknowledgement of debt is repaid.
The debt-credit lease principle of method shown in Fig. 4 equally can refer to method shown in Fig. 2, and details are not described herein again.
Fig. 5 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
As shown in figure 5, present invention also provides a kind of equipment 500, including one or more centres as on the other hand
Unit (CPU) 501 is managed, can be added according to the program being stored in read-only memory (ROM) 502 or from storage section 508
The program that is downloaded in random access storage device (RAM) 503 and execute various movements appropriate and processing.In RAM503, also deposit
It contains equipment 500 and operates required various programs and data.CPU501, ROM502 and RAM503 pass through the phase each other of bus 504
Even.Input/output (I/O) interface 505 is also connected to bus 504.
I/O interface 505 is connected to lower component: the importation 506 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 507 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 508 including hard disk etc.；
And the communications portion 509 of the network interface card including LAN card, modem etc..Communications portion 509 via such as because
The network of spy's net executes communication process.Driver 510 is also connected to I/O interface 505 as needed.Detachable media 511, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 510, in order to read from thereon
Computer program be mounted into storage section 508 as needed.
Particularly, in accordance with an embodiment of the present disclosure, the debt-credit rent method of any of the above-described embodiment description can be implemented
For computer software programs.For example, embodiment of the disclosure includes a kind of computer program product comprising be tangibly embodied in
Computer program on machine readable media, computer program include the program code for executing debt-credit rent method.At this
In the embodiment of sample, which can be downloaded and installed from network by communications portion 509, and/or from removable
Medium 511 is unloaded to be mounted.
As another aspect, present invention also provides a kind of computer readable storage medium, the computer-readable storage mediums
Matter can be computer readable storage medium included in the device of above-described embodiment；It is also possible to individualism, it is unassembled
Enter the computer readable storage medium in equipment.Computer-readable recording medium storage has one or more than one program, should
Program is used to execute the debt-credit rent method for being described in the application by one or more than one processor.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use
The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually
It can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depending on related function.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yitong
The dedicated hardware based system of functions or operations as defined in executing is crossed to realize, or by specialized hardware and can be calculated
The combination of machine instruction is realized.
Being described in the embodiment of the present application involved unit or module can be realized by way of software, can also be with
It is realized by way of hardware.Described unit or module also can be set in the processor, for example, each unit can be
Software program in computer or intelligent movable equipment is set, the hardware device being separately configured is also possible to.Wherein, these lists
The title of member or module does not constitute the restriction to the unit or module itself under certain conditions.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the application design, appointed by above-mentioned technical characteristic or its equivalent feature
Other technical solutions of meaning combination and formation.Such as features described above and (but being not limited to) disclosed herein have similar functions
Technical characteristic replaced mutually and the technical solution that is formed.
Claims (12)
1. a kind of debt-credit rent method, which is characterized in that the method is suitable for user terminal, which comprises
In response to borrowing or lending money rental operations, generating debt-credit lease requests transaction and being sent to the server-side of the first lease side for verifying
And transaction of borrowing money, purchase-transaction and lease are generated when being verified and trades and returns；Wherein, requests transaction is leased in the debt-credit
Debt-credit several first is requested to stablize coin, described first stablizes coin for lending to the first lease side, for first rent
It buys the first commodity and rents active user in the side of renting；
It receives and verifies the loaning bill transaction, the purchase-transaction and lease transaction:
When being verified, requests transaction, loaning bill transaction, the purchase-transaction and the lease are leased into the debt-credit and is traded
It is packaged as trading group and is sent to the node of the first block chain for executing will currently use when the trading group runs succeeded
Family debt-credit several first stablizes coin and signs first bill signed in acknowledgement of debt, active user stablizes coin for described several first and lends to described first
Lease side and obtain second bill signed in acknowledgement of debt, the first lease side pay it is described it is several first stabilization coin with buy first commodity,
First commodity are rented into active user and are recorded on the first block chain in the first lease side.
2. rental agreement is borrowed or lent money the method according to claim 1, wherein being configured on the first block chain,
The debt-credit rental agreement is configured to freeze the rent of active user's payment before second bill signed in acknowledgement of debt has been repaid, and automatic
Second bill signed in acknowledgement of debt is repaid by the rent freezed.
3. according to the method described in claim 2, it is characterized in that, the debt-credit rental agreement is also configured to described first
The bill signed in acknowledgement of debt freezes to repay the fund of second bill signed in acknowledgement of debt before having repaid, and automatically by the fund freezed to first bill signed in acknowledgement of debt
It is repaid.
4. a kind of debt-credit rent method, which is characterized in that the method is suitable for the server-side of lease side, which comprises
Receive and verify the debt-credit lease requests transaction that the user terminal of the first user generates and sends in response to debt-credit rental operations:
Wherein, coin is stablized in the debt-credit lease requests transaction request debt-credit several first, and described first stablizes coin for lending to described
Lease side, so that the lease side buys the first commodity and rents first user；
When being verified, generate borrow money transaction, purchase-transaction and lease trade and return to the user terminal for verifying and
Requests transaction, loaning bill transaction, the purchase-transaction and lease transaction are leased in the debt-credit when being verified to be packaged
For trading group and the node of the first block chain is sent to for executing to borrow the first user when the trading group runs succeeded
It borrows the several first stable coin and signs first bill signed in acknowledgement of debt, the first user stablizes coin for described several first and lends to the lease side simultaneously
Second bill signed in acknowledgement of debt, lease side payment several first stabilization coin are obtained to buy first commodity, lease side general
First commodity rent the first user record on the first block chain.
5. according to the method described in claim 4, it is characterized in that, on the first block chain configured with debt-credit rental agreement,
The debt-credit rental agreement is configured to freeze the rent of active user's payment before second bill signed in acknowledgement of debt has been repaid, and automatic
Second bill signed in acknowledgement of debt is repaid by the rent freezed.
6. according to the method described in claim 5, it is characterized in that, the debt-credit rental agreement is also configured to described first
The bill signed in acknowledgement of debt freezes to repay the fund of second bill signed in acknowledgement of debt before having repaid, and automatically by the fund freezed to first bill signed in acknowledgement of debt
It is repaid.
7. a kind of debt-credit rent method, which is characterized in that the method is suitable for block chain node, which comprises
Receive trading group；Wherein, the trading group generates debt-credit and rents by the user terminal of the first user in response to borrowing or lending money rental operations
Requests transaction of renting and be sent to the server-side of the first lease side for verifying and when being verified generate borrow money transaction, purchase hand over
It easily trades and simultaneously returns with lease, the user terminal is verified debt-credit lease requests transaction after received each transaction, described borrowed
Money transaction, the purchase-transaction and lease transaction are packaged and generate；
The trading group is executed so that coin is stablized in the first user debt-credit several first when the trading group runs succeeded and is signed
First bill signed in acknowledgement of debt, the first user stablize coin for described several first and lend to the first lease side and acquisition second bill signed in acknowledgement of debt, described
First lease side payment described several first stablizes coin to buy first commodity, the first lease side for first quotient
Product rent the first user record on the first block chain.
8. rental agreement is borrowed or lent money the method according to the description of claim 7 is characterized in that being configured on the block chain, it is described
Method further include:
The payment of hire transaction that the user terminal is sent is executed by the debt-credit rental agreement, whether judges second bill signed in acknowledgement of debt
It has repaid: it is no, then freeze the rent of the payment of hire exchange payment, and owe to described second by freezed rent
Item is repaid.
9. according to the method described in claim 8, it is characterized in that, it is described by the rent freezed to second bill signed in acknowledgement of debt into
Row is repaid
Judge whether first bill signed in acknowledgement of debt has been repaid: it is no, then freeze to repay the rent of second bill signed in acknowledgement of debt and to described first
The bill signed in acknowledgement of debt is repaid.
10. according to the method described in claim 8, it is characterized by further comprising:
The refund transaction that the server-side is sent is executed by the debt-credit rental agreement, judges whether first bill signed in acknowledgement of debt has been repaid
It is also complete: it is no, then freeze the fund of the refund exchange payment and first bill signed in acknowledgement of debt is repaid.
11. a kind of equipment, which is characterized in that the equipment includes:
One or more processors；
Memory, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors
Execute such as method of any of claims 1-10.
12. a kind of storage medium for being stored with computer program, which is characterized in that realize when the program is executed by processor as weighed
Benefit requires method described in any one of 1-10.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910254324.0A CN109949139A (en) | 2019-03-31 | 2019-03-31 | Borrow or lend money rent method, equipment and storage medium |
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| CN201910254324.0A CN109949139A (en) | 2019-03-31 | 2019-03-31 | Borrow or lend money rent method, equipment and storage medium |
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| CN111401866A (en) * | 2020-03-13 | 2020-07-10 | 杭州复杂美科技有限公司 | Method, apparatus and storage medium for pre-storing and deducting commission fee |
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