CN110221919B

CN110221919B - Virtual resource allocation method and device based on block chain

Info

Publication number: CN110221919B
Application number: CN201910468821.0A
Authority: CN
Inventors: 李敏; 朱海伟
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-05-31
Filing date: 2019-05-31
Publication date: 2023-08-01
Anticipated expiration: 2039-05-31
Also published as: CN110221919A

Abstract

One or more embodiments of the present specification provide a method and apparatus for virtual resource allocation based on a blockchain, the method including: the transaction platform node equipment receives a resource delay transfer application sent by the resource occupation party client; acquiring a resource deferred transfer contract negotiated by the resource demand side client and the resource occupation side client; transmitting a first forensic transaction to the blockchain, wherein the first forensic transaction includes forensic data of the resource deferred transfer contract; the resource provider node equipment acquires a resource allocation application sent by the resource demand side client, and acquires the first certificate transaction from the distributed database of the blockchain; executing resource allocation logic, the resource allocation logic comprising sending a resource allocation notification, the resource allocation notification to indicate that the resource provider can allocate a second amount of virtual resources to the resource demander.

Description

Virtual resource allocation method and device based on block chain

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and apparatus for allocating virtual resources based on a blockchain.

Background

Virtual resource allocation is a common concept in the technical field of computer application, and may refer to virtual resource allocation inside one device or resource scheduling among multiple devices. In these application scenarios, "resources" are often limited, the demand of a resource requester for resources may be greater than the total number of resources actually owned by the resource requester, and a large number of "idle" resources may still exist for the resource provider; therefore, how to reasonably schedule the "idle" resources of the resource provider so that the resource utilization rate can be improved as much as possible is always an important direction of attention of researchers.

Blockchain technology, also known as distributed ledger technology, is an emerging technology that is commonly engaged in "accounting" by several computing devices, together maintaining a complete distributed database. The blockchain technology has the characteristics of decentralization, disclosure transparency, capability of participating in database recording by each computing device and capability of rapidly performing data synchronization among the computing devices, so that the blockchain technology is widely applied in a plurality of fields.

Disclosure of Invention

In view of this, one or more embodiments of the present description provide a method, apparatus, and computer device for allocation of virtual resources based on blockchain.

In order to achieve the above object, one or more embodiments of the present disclosure provide the following technical solutions:

according to a first aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network system including a transaction platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order at the transaction platform node device based on acquiring a target transaction object provided by the resource demander client; the method comprises the following steps:

the transaction platform node equipment receives a resource delay transfer application sent by the resource occupation party client;

the transaction platform node device obtains a resource deferred transfer contract negotiated by the resource consumer client and the resource occupation client, wherein the resource deferred transfer contract comprises a first quantity of virtual resources of the resource consumer occupied by the resource occupation based on the target order;

the transaction platform node device sends a first evidence-based transaction to the blockchain, wherein the first evidence-based transaction comprises evidence-based data of the resource deferred transfer contract;

The resource provider node equipment obtains a resource allocation application sent by the resource demand side client, and obtains the first certificate transaction from the distributed database of the blockchain; the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order;

after verifying the resource allocation application based on the first credit transaction, the resource provider node device executes preset resource allocation logic.

According to a second aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is proposed, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client; the method comprises the following steps:

acquiring a resource deferred transfer contract negotiated by the resource demanding side client and the resource occupying side client, wherein the resource deferred transfer contract comprises a first quantity of virtual resources of the resource demanding side occupied by the resource occupying side based on the target order;

And sending a first forensic transaction to the blockchain, wherein the first forensic transaction includes forensic data of the resource deferred transfer contract.

According to a third aspect of one or more embodiments of the present specification, a virtual resource allocation method based on a blockchain is provided, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client; the method comprises the following steps:

the resource provider node equipment acquires a resource allocation application sent by the resource demand side client and acquires a first certificate transaction from a distributed database of the blockchain; wherein the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order; the first forensic transaction is sent to the blockchain by the transaction platform node device, the first forensic transaction including forensic data of a resource deferred transfer contract; the resource deferred return contract is negotiated by the resource-requiring-party client and a resource-occupying-party client, the resource deferred transfer contract comprising a first amount of virtual resources of the resource-requiring-party that the resource-occupying-party occupies based on the target order;

And executing preset resource allocation logic after verifying the resource allocation application based on the first certification transaction.

According to a fourth aspect of one or more embodiments of the present specification, there is provided a blockchain-based financing loan method applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the method comprises the following steps:

the transaction platform node equipment receives an account payment application sent by the buyer client;

the transaction platform node device obtains an account payment contract negotiated between the buyer client and the seller client, wherein the account payment contract comprises a first amount of funds of the seller required to be paid in a deferred manner by the buyer based on the target order;

the transaction platform node device sends a first credit transaction to the blockchain, wherein the first credit transaction comprises credit data of the account payment contract;

the financial institution node equipment acquires a financing loan application sent by the seller client and acquires the first evidence-storing transaction from the distributed database of the blockchain; the financing loan application being generated based on the buyer deferring payment of a first amount of funds for the seller in the target order;

After verifying the financing loan application based on the first certification transaction, the financial institution node equipment executes preset loan issuing logic.

According to a fifth aspect of one or more embodiments of the present specification, there is provided a blockchain-based financing loan method applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the method comprises the following steps:

acquiring an account payment contract negotiated by the buyer client and the seller client, wherein the account payment contract comprises a first amount of funds of the seller required to be paid in a deferred manner by the buyer based on the target order;

and sending a first forensic transaction to the blockchain, wherein the first forensic transaction includes forensic data of the account payment contract.

According to a sixth aspect of one or more embodiments of the present specification, there is provided a blockchain-based financing loan method applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the method comprises the following steps:

The financial institution node equipment acquires a financing loan application sent by the seller client and acquires a first evidence-storing transaction from a distributed database of the blockchain; wherein the financing loan application is generated based on the buyer deferring payment of a first amount of funds for the seller in the target order; the first forensic transaction includes forensic data of an account payment contract; the account payment contract is negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds for the seller that the buyer needs to delay payment based on the target order;

and executing preset loan issuing logic after verifying the financing loan application based on the first certification transaction.

According to a seventh aspect of one or more embodiments of the present specification, a virtual resource allocation apparatus based on a blockchain is proposed, which is applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client; the device is applied to the node equipment end of the transaction platform and comprises the following components:

The receiving unit is used for receiving a resource delay transfer application sent by the resource occupation party client;

an obtaining unit, configured to obtain a resource deferred transfer contract negotiated by the resource-requiring-side client and the resource-occupying-side client, where the resource deferred transfer contract includes a first amount of virtual resources of the resource-requiring-side occupied by the resource-occupying-side based on the target order;

and the sending unit is used for sending a first evidence-storing transaction to the blockchain, wherein the first evidence-storing transaction comprises the evidence-storing data of the resource delay transfer contract.

According to an eighth aspect of one or more embodiments of the present specification, there is provided a virtual resource allocation apparatus based on a blockchain, applied to a blockchain network system including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupation client, the resource occupation client establishing a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client; the device is applied to the node equipment end of the resource provider, and comprises:

the acquisition unit is used for acquiring a resource allocation application sent by the resource demand side client and acquiring a first certificate storage transaction from the distributed database of the blockchain; wherein the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order; the first forensic transaction is sent to the blockchain by the transaction platform node device, the first forensic transaction including forensic data of a resource deferred transfer contract; the resource deferred return contract is negotiated by the resource-requiring-party client and a resource-occupying-party client, the resource deferred transfer contract comprising a first amount of virtual resources of the resource-requiring-party that the resource-occupying-party occupies based on the target order;

And the execution unit is used for executing preset resource allocation logic after verifying the resource allocation application based on the first certification transaction.

According to a ninth aspect of one or more embodiments of the present specification, there is provided a blockchain-based financing loan apparatus applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the device is applied to the node equipment end of the transaction platform and comprises the following components:

the receiving unit is used for receiving the account payment application sent by the buyer client;

an obtaining unit, configured to obtain an account payment contract negotiated between the buyer client and the seller client, where the account payment contract includes a first amount of funds for the seller that the buyer needs to delay payment based on the target order;

and the sending unit is used for sending a first evidence-based transaction to the blockchain, wherein the first evidence-based transaction comprises evidence-based data of the account payment contract.

According to a tenth aspect of one or more embodiments of the present specification, there is provided a blockchain-based financing loan apparatus applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the device is applied to the financial institution node equipment end, and comprises:

the acquisition unit is used for acquiring the financing loan application sent by the seller client and acquiring a first evidence-storing transaction from the distributed database of the blockchain; wherein the financing loan application is generated based on the buyer deferring payment of a first amount of funds for the seller in the target order; the first forensic transaction includes forensic data of an account payment contract; the account payment contract is negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds for the seller that the buyer needs to delay payment based on the target order;

and the execution unit is used for executing preset loan issuing logic after verifying the financing loan application based on the first certification transaction.

According to an eleventh aspect of one or more embodiments of the present specification, there is provided a computer device comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the virtual resource allocation method based on the block chain and executed by the transaction platform node equipment in each embodiment.

According to a twelfth aspect of one or more embodiments of the present specification, there is provided a computer device comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the virtual resource allocation method based on the block chain and executed by the resource provider node equipment in each embodiment.

According to a thirteenth aspect of one or more embodiments of the present specification, there is provided a computer device comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the financing loan method based on the blockchain, which is executed by the transaction platform node equipment of each embodiment.

According to a fourteenth aspect of one or more embodiments of the present specification, there is provided a computer device comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when executing the computer program, executes the blockchain-based financing loan method executed by the financial institution node device of each of the embodiments described above.

According to the technical scheme, the virtual resource allocation method and the virtual resource allocation device based on the blockchain provide service for postponing return of virtual resources for the resource occupation party based on the order generated on the transaction platform, and the transaction relationship between the resource occupation party and the resource demand party is stored based on the tamper-proof mechanism of the blockchain; the resource provider provides the virtual resources required by the resource provider for the resource demander based on the transaction relation between the stored resource occupancy party and the resource demander, so that the utilization rate of idle resources of the resource provider can be improved, and the labor cost when virtual resource allocation is initiated to the resource provider based on the transaction relation can be saved.

When the technical scheme provided by the specification is applied to a financing loan scene, a buyer user can pay for a target object commodity or service provided by a seller user in a lifting period on a transaction platform, so that the fund flow management of the buyer user is facilitated; based on a block chain tamper-proof mechanism, the transaction relationship between the buyer and the seller is stored; the financial institution carries out loan auditing and issuing for the buyer user based on the stored buying and selling relationship, so that the utilization rate of idle funds of the financial institution can be improved, and the labor cost of the buyer user when the buyer user initiates a financing loan application to the financial institution based on the transaction relationship can be saved.

Drawings

FIG. 1 is a flow chart of a method for block chain based virtual resource allocation according to an embodiment of the present disclosure;

FIG. 2 is a flow chart of a blockchain-based financing loan method, according to an embodiment of the present disclosure;

FIG. 3 is a schematic diagram of a virtual resource allocation apparatus based on blockchain applied to a node device of a transaction platform according to an embodiment of the present disclosure;

FIG. 4 is a schematic diagram of a block chain based virtual resource allocation apparatus applied to a resource provider node device according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a block-chain-based financing loan apparatus applied to a node device of a transaction platform according to an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a blockchain-based financing loan arrangement, as applied to a node device side of a financial institution, according to an embodiment of the present disclosure;

FIG. 7 is a hardware block diagram of one embodiment of a blockchain-based virtual resource allocation device or financing loan device, as provided herein.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with aspects of one or more embodiments of the present description as detailed in the accompanying claims.

It should be noted that: in other embodiments, the steps of the corresponding method are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or fewer steps than described in this specification. Furthermore, individual steps described in this specification, in other embodiments, may be described as being split into multiple steps; while various steps described in this specification may be combined into a single step in other embodiments.

In practical applications, the demand of the resource demander for the virtual resources may be greater than the total number of the resources actually owned by the resource demander, but the resource provider may still have a large number of "idle" resources; therefore, how to reasonably schedule the idle resources of the resource provider has great significance for improving the resource utilization rate of the resource provider.

Taking an application scenario of financing loans based on receivables information as an example in the field of financial science and technology, in this scenario, the above-mentioned "virtual resource" may refer to funds that can be issued as a loan to the applicant; the "resource provider" may be a bank or other type of financial institution with financing loan qualification based on receivables information; the "resource demander" may be a seller user (creditor) who is paid by the buyer user (resource holder, i.e., debtor) in a deferred manner based on providing the target object transaction to the buyer user. In the related art, in order to make full use of a large amount of unused funds on the part of a financial institution, the financial institution generally allows a creditor to transfer receivables information between the creditor and a debtor as mortgages or creditors to the financial institution to obtain a financing loan of a certain amount.

In view of this, in one embodiment shown in the present specification, there is provided a blockchain-based virtual resource allocation method applied to a blockchain network including a trading platform node device, a resource provider node device, a resource demander client, and a resource occupation client, the resource occupation client establishing a target order at the trading platform node device based on acquiring a target trading object provided by the resource demander client.

The blockchain network in one or more embodiments of the present disclosure may specifically refer to a P2P network system with a distributed data storage structure, where each node device is implemented by a consensus mechanism, and data in the blockchain is distributed in blocks (blocks) that are temporally connected, where a later block includes a data summary of a previous block, and a full backup of data of all or part of nodes is implemented according to a specific consensus mechanism (such as POW, POS, DPOS or PBFT). Those skilled in the art are familiar with that, since the blockchain network system operates under the corresponding consensus mechanism, the data recorded in the blockchain database is difficult to be tampered by any node, for example, the blockchain adopting Pow consensus, and at least the attack of 51% computing power of the whole network is needed to tamper with the existing data, so that the blockchain system has the characteristics of ensuring the security and preventing the attack and tampering of the data which are incomparable with other centralized database systems. Therefore, the data recorded in the distributed database of the blockchain cannot be attacked or tampered, so that the true reliability of the data information stored in the distributed database of the blockchain is ensured.

Example types of blockchain networks may include public blockchain networks, private blockchain networks, and federated blockchain networks. Although the term blockchain is typically associated with bitcoin cryptocurrency networks, blockchain as used herein may refer to DLS (distributed ledger system) without reference to any particular use case.

In a common blockchain network, the consensus process is controlled by nodes of the consensus network. For example, hundreds, thousands, or even millions of entities may cooperate in a public blockchain network, each entity operating at least one node in the public blockchain network. Thus, a public blockchain network may be considered a public network with respect to participating entities. An example public blockchain network includes a bitcoin network, which is a peer-to-peer payment network. The bitcoin network utilizes a distributed ledger, known as a blockchain. However, as noted above, the term blockchain is generally used to refer to a distributed ledger that does not refer specifically to a bitcoin network.

Typically, public blockchain networks support public transactions. Public transactions are shared with all nodes within the public blockchain network and stored in the global blockchain. A global blockchain is a blockchain that replicates across all nodes. That is, for a global blockchain, all nodes are in a completely consistent state. To achieve consensus (e.g., agree to add blocks to the blockchain), a consensus protocol is implemented within the common blockchain network. Example consensus protocols include, but are not limited to, proof of work (POW) implemented in bitcoin networks.

Typically, a private blockchain network is provided to a specific entity that centrally controls read and write rights. The entity controls which nodes can participate in the blockchain network. Thus, private blockchain networks are often referred to as licensed networks, which impose restrictions on who is allowed to participate in the network and its participation level (e.g., only in certain transactions). Various types of access control mechanisms may be used (e.g., existing participants vote to add new entities, and a regulatory authority may control admission).

Typically, federated blockchain networks are proprietary among the participating entities. In a federated blockchain network, the consensus process is controlled by an authorized set of nodes (federated member nodes), one or more of which are operated by a corresponding entity (e.g., an enterprise). For example, a federation consisting of ten (10) entities (e.g., enterprises) can operate a federated blockchain network in which each entity operates at least one node. Thus, a federated blockchain network may be considered a private network as far as participating entities are concerned. In some examples, each entity (node) must sign each block to make the block valid and add the valid block to the blockchain. In some examples, at least a subset of entities (nodes) (e.g., at least 7 entities) must sign each block to make the block valid and add the valid block to the blockchain.

It is contemplated that the embodiments provided herein can be implemented in any suitable type of blockchain network.

A node (or node device) as described in one or more embodiments of the present specification refers to a node that can join the blockchain by following the installation of a corresponding node protocol, running a node protocol program, as the blockchain. Those skilled in the art generally refer to node devices having a full backup of data of a blockchain distributed database as full nodes, node devices having a partial backup of data of a blockchain distributed database (e.g., data having only a block header) as light nodes, and the like. In one or more embodiments of the present disclosure, the node types of the transaction platform node devices described above are not limited.

The transaction platform according to one or more embodiments of the present disclosure refers to a user-oriented network platform that provides an object transaction service; the specification does not limit the type of the transaction object on the transaction platform, and can be the type of goods or services and the like; the user entity type of the transaction platform is not limited, and the transaction platform can be an individual user or an enterprise or organization user; and the operator entity of the transaction platform can also be used as a user of the transaction platform to provide commodity or service buying and selling transaction on the transaction platform. It should be noted that, the number of the transaction platform node devices or the resource provider node devices is not limited in this specification, and the transaction platform or the resource provider may correspond to one device terminal or server, or may correspond to a plurality of device terminals or servers to serve as the node devices of the blockchain.

The resource demand party (being a seller user of the transaction platform) is provided with a target transaction object on the transaction platform; the resource occupancy party (being a buyer user of the trading platform) establishes a target order at the trading platform based on purchasing or acquiring the target trading object.

In one or more embodiments provided herein, a user entity (including a resource-requiring party user or a resource-occupying party user) of the transaction platform joins the blockchain network by running a client installer at a terminal, where the client installer may be an installer of a blockchain node device, and accordingly, the user client also acts as a blockchain node device, and initiates a data acquisition request to its neighboring node devices (e.g., the transaction platform node device) when backing up a distributed database copy of the blockchain, or issues data to the blockchain by broadcasting data to its neighboring node devices; the client installer may also be a blockchain user client program that is connected to a federation member node device (e.g., the transaction platform node device) in the blockchain of the federation and is controlled to access, and accordingly, the client is not typically used as a node of the blockchain because it does not have the right to directly access the distributed database of the blockchain, and needs to make a data request with the right learning to one or more federation member nodes connected to the client. The present description is not limited to whether the resource-requiring side client and the resource-occupying side client are node devices of the blockchain. As described above, the client, whether the client is a blockchain node device or a client device of a member node of a federation, may acquire data stored in the distributed database of the blockchain by being communicatively connected to the transaction platform node device, or may transmit data to the distributed database of the blockchain by being communicatively connected to the transaction platform node device.

The "virtual resource" in one or more embodiments of the present specification may include a resource form required for the computer terminal to operate, and may also include a resource form required for an entity corresponding to the computer terminal, such as a token in a blockchain, an intelligent asset such as a digital asset, or an off-chain asset such as cash, securities, coupons, and properties outside the blockchain, which is not limited in this specification.

As shown in fig. 1, the virtual resource allocation method based on blockchain provided in this embodiment includes:

step 102, the transaction platform node device receives a resource deferred transfer application sent by the resource occupation party client.

The resource occupying party shall transfer a certain amount of virtual resources to the resource requesting party in order to acquire (or purchase) the target transaction object provided by the resource requesting party; the resource occupation party can lift the resource delay transfer application of the resource demand party on the transaction platform based on the virtual resource allocation and management demand of the resource occupation party. The existing transaction platform is often provided with an instant resource transfer function such as 'instant transfer' or 'online transfer', and a certain response time is set for the instant transfer function, such as 10 minutes, 20 minutes, 30 minutes and the like; the resource delay transfer application described in the various embodiments of the present specification refers to a time when the application completes a resource transfer significantly exceeds a response time of an instant transfer, such as by day, or by month, or even by year.

Step 104, the transaction platform node device obtains a resource deferred transfer contract negotiated by the resource consumer client and the resource occupation client, where the resource deferred transfer contract includes a first amount of virtual resources of the resource consumer occupied by the resource occupation based on the target order.

Based on the resource delay transfer application of the resource consumer on the transaction platform, the transaction platform can provide a resource delay transfer contract negotiation business process to achieve the service of the resource delay transfer contract for the resource consumer client and the resource consumer client. The resource deferred transfer contract is data information that can embody that the resource demander and the resource occupation party transfer corresponding virtual resources in a deferred manner based on a target order, and may be in various forms such as an electronic contract, an electronic order (e.g., the target order), an electronic confirmation function, or an electronic version of a paper contract order, and is not limited in this embodiment. Through negotiation by both clients, the resource deferred transfer contract includes a first amount of virtual resources of the resource-requiring party or the first amount and a first transfer period, which indicates a time period for transferring the first amount of virtual resources to the resource-requiring party by the resource-occupying party based on the target order. In an embodiment, the transaction platform may provide a standard electronic contract, and to ensure that the resource deferred transfer contract is about a true meaning representation of the resource demander and the resource occupier, the resource deferred transfer contract may include digital signatures made by the resource demander and the resource occupier based on contract terms.

Step 106, the transaction platform node device sends a first forensic transaction to the blockchain, wherein the first forensic transaction includes forensic data of the resource deferred transfer contract.

Transactions (transactions) described in one or more embodiments herein refer to a piece of data created by a node device of a blockchain and that needs to be eventually published into a distributed database of the blockchain. Among the transactions in the blockchain are narrow transactions and broad transactions. A narrow transaction refers to a transfer of value issued by a user to a blockchain; for example, in a traditional bitcoin blockchain network, the transaction may be a transfer initiated by the user in the blockchain. And a generalized transaction refers to a piece of business data with business intent that a user entity publishes to a blockchain through a node. The first certificate-storing transaction according to this embodiment may include an original text or a ciphertext of the resource-postponed transfer contract as the certificate-storing data, or may include a "digital fingerprint" of the content of the resource-postponed transfer contract, that is, a hash digest of the resource-postponed transfer contract as the certificate-storing data, and may function as a tamper-proof mechanism based on a blockchain to store the certificate for the resource-postponed transfer contract.

The detailed process of recording the first certification transaction in the distributed database of the blockchain in the above embodiment may be specifically set according to the verification mechanism and the consensus mechanism of the blockchain. In an illustrative embodiment, the uploading the first forensic transaction into the blockchain distributed database includes:

after verifying that the first evidence-based transaction passes, the node with the accounting authority in the blockchain adds the first evidence-based transaction to a candidate block;

determining a consensus accounting node meeting the blockchain consensus mechanism from the nodes with accounting rights;

the consensus accounting node broadcasting the candidate block to nodes of the blockchain;

after the candidate block passes the verification approval of the blockchain conforming to the preset number of nodes, the candidate block is regarded as the latest block and is added into the distributed database of the blockchain.

In the above embodiment, the node having the accounting authority refers to the node having the authority to generate the candidate block. The common accounting node may be determined from the nodes having accounting authority for the candidate blocks according to a common accounting mechanism of the blockchain, where the common accounting mechanism may include a workload certification mechanism (PoW), a rights certification mechanism (PoS), a share authorization certification mechanism (DPoS), a bayer fault tolerance algorithm mechanism (PBFT) commonly used by alliance chains, or the like.

In practical business applications, the blockchain network described in one or more embodiments of the present disclosure may be configured as a federation chain, and the transaction platform node device is used as a federation member node device, and sends a first certification transaction including certification data of the resource deferred transfer contract to the federation chain. Compared with a public chain, the common algorithm adopted by the alliance chain is generally high in efficiency, and can meet the requirement of high-frequency transaction amount, such as first evidence-storing transaction frequently generated based on transaction business of a transaction platform; the common time delay is very low, the real-time processing requirement is basically met, and the first evidence-storing transaction can be rapidly recorded in a new block of the block chain in real time; moreover, the trusted node (such as a transaction platform or a node corresponding to a government agency) in the alliance chain network is used as a preselected accounting node, so that the safety and the stability are both considered; in addition, federated chain consensus algorithms (e.g., PBFT) typically do not consume excessive computer power resources nor do they necessarily require token circulation, and thus have good usability.

Step 108, the resource provider node device obtains a resource allocation application sent by the resource demand side client, and obtains the first certificate transaction from the distributed database of the blockchain; the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order.

After the resource occupation party occupies the first number of virtual resources of the resource demand party based on the resource delay transfer, the resource demand party may need more virtual resources due to own virtual resource configuration management requirements; the resource demander may send a resource allocation request to the resource provider based on the resource occupancy occupying a first amount of virtual resources of the resource demander. The resource provider can provide virtual resource allocation service for the resource demander because of having idle virtual resources.

The specific manner in which the resource provider node device obtains the resource allocation request sent by the resource demander client may be various, which is not limited in the embodiments provided in the present specification. For example, the resource demand client may be directly connected to the resource provider node device in a communication manner to send a resource allocation request thereto; when the resource demand client is used as a node of the blockchain, the resource demand client can send the resource allocation application to the distributed database of the blockchain, and accordingly, the resource provider node device can acquire the resource allocation application from the distributed database of the blockchain.

Step 110, after verifying the resource allocation application based on the first certification transaction, the resource provider node device executes a preset resource allocation logic. .

Because the first deposit transaction includes the deposit data of the resource deferred transfer contract that the resource provider and the resource occupant achieve, the resource deferred transfer contract agrees to have the first quantity of the virtual resource of the resource demander occupied based on the target order, the resource provider can verify, based on the authenticated resource deferred transfer contract, whether the first quantity of the virtual resource of the resource demander occupied by the resource occupant in the target order or the first quantity and other contents of the target order are correct in the resource allocation application, so as to ensure that the resource allocation application is generated based on the actually existing transaction relationship.

The process of verifying the resource allocation application may be performed by an executable program running on the resource provider node device, or may be performed by the resource provider entity to perform manual verification, and after verification is completed, a registration or record of the completion of verification is given on the resource provider node device, so as to facilitate the resource provider to execute a preset resource allocation logic to the resource demander. The preset resource allocation logic may include: transmitting a resource allocation notification indicating that the resource provider may allocate a second amount of virtual resources to the resource demander; or performing a second number of resource allocations; etc.

Similarly, the specific transmission manner of the resource allocation notification by the resource provider node device may be various, for example, the resource provider node device may be directly connected to the resource demand client in a communication manner to transmit the resource allocation notification to the resource provider node device; when the resource demand client is used as a node of the blockchain, the resource provider node device may send the resource allocation notification to a distributed database of the blockchain, and accordingly, the resource demand client may obtain the resource allocation notification from the distributed database of the blockchain.

The present disclosure is not limited to the specific form of the resource provider performing the allocation of the second number of virtual resources, and the direct transmission of the virtual resources may be performed by the two terminals, such as the transfer of online virtual resource credentials, or the transfer of offline virtual resource credentials, or the like.

According to the virtual resource allocation method, through the block chain network system architecture, the resource demander and the resource occupation party can directly complete virtual resource delay transfer application of the resource occupation party and virtual resource allocation application of the resource demander based on target transaction orders of the two parties on the transaction platform, three-party resources of the resource provider, the resource demander and the resource occupation party are reasonably allocated, and the utilization rate of the resources is improved.

In the field of financial science and technology, the technical scheme of the application is described in detail below by taking an application scenario in which a transaction platform applies for payment in account period and financing loan is performed to a financial institution such as a bank based on receivables information as an example.

In this application scenario, the above-mentioned "virtual resource" may refer to funds that can be issued as a loan to the applicant; the above-mentioned "virtual resource allocation" may refer to financing loans; the "resource demander" may be a seller user of the transaction platform, that is, a user entity having a need to conduct financing loans based on receivables information with a buyer user; the "resource occupation party" may be a buyer user of the transaction platform, that is, a user entity having an receivables and debts relationship with the seller user.

Accordingly, still another embodiment of the present specification provides a blockchain-based financing loan method applied to a blockchain network system including a transaction platform node device, a financial institution node device, a seller client and a buyer client of the transaction platform; the buyer client establishes a target order at the trading platform node device based on acquiring a target trading object provided by the seller client.

The transaction platform according to one or more embodiments of the present disclosure refers to a user-oriented network platform that provides an object transaction service; the specification does not limit the type of the transaction object on the transaction platform, and can be the type of goods or services and the like; the user entity type of the transaction platform is not limited, and the transaction platform can be an individual user or an enterprise or organization user; and the operator entity of the transaction platform can also be used as a user of the transaction platform to provide commodity or service buying and selling transaction on the transaction platform. It should be noted that, the present disclosure is not limited to the number of node devices of the transaction platform, and the transaction platform may correspond to one device terminal or server, or may correspond to a plurality of device terminals or servers as the node devices of the blockchain.

As shown in fig. 2, the blockchain-based financing loan method provided in this embodiment includes:

step 202, the transaction platform node device receives an account payment application sent by the buyer client.

Conventional e-commerce platforms are often provided with an "immediate payment" function for which the buyer immediately pays the amount of money in the target order to the seller account or a third party neutral account of the e-commerce platform, and which is often provided with a network response time (or referred to as "order validity time") of several minutes to several tens of minutes in view of information coordination and network transmission time between the plurality of terminals involved in the immediate payment operation. In this embodiment, the transaction platform may provide the buyer user with a payment function option of "account payment" or "account payment application" in the order payment business process, where the payment validity period corresponding to the account payment function may be significantly greater than the response time or validity time corresponding to the immediate payment function, for example, taking a day, month, or even year as a unit of measure of the payment validity period, and the payment validity period of the account payment may be 3 months (90 days), 6 months, or even 1 year, and so on.

The transaction platform can provide more loose fund configuration management time for the buyer user by setting the account period payment function or the account period payment application function, and improves the user friendliness of the transaction platform.

In step 204, the transaction platform node device obtains an account payment contract negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds for the seller that the buyer needs to delay payment based on the target order.

Based on the account payment application of the buyer user, which is raised on the transaction platform by the buyer user, the transaction platform can provide a negotiation business flow of the account payment contract and provide service for the account payment contract achieved by the buyer client and the seller client. The account payment contract is data information which can represent delayed payment by the buyer user and the seller user based on a target order, and may be in various forms such as an electronic contract, an electronic order (the target order may be), an electronic confirmation function, or an electronic version of a paper contract order, and is not limited in this embodiment. Through negotiations by both clients, the above-described account payment contract may include a first amount of funds for the seller that the buyer client needs to pay based on the target order; in some embodiments, the account payment contract may further include a first term corresponding to the first amount of funds, the first term indicating a time period for the buyer user to pay the first amount of funds; in still other embodiments, the term payment contract may also include other content in the target order, such as a description of the target transaction object, quantity, delivery style, invoice information, and so forth.

In an embodiment, the transaction platform may provide a standard electronic contract, and to ensure that the account payment contract is a true meaning representation of the buyer and the seller, the account payment contract may include a digital signature made by the buyer and the seller based on contract terms.

Step 206, the transaction platform node device sends a first credit transaction to the blockchain, wherein the first credit transaction includes credit data of the account payment contract.

The accounting data of the account period payment contract may include the full text content or the encrypted full text content of the account period payment contract, hash digest data of the account period payment contract, and the like. The detailed process of the first certification transaction being recorded in the distributed database of the blockchain is exemplified in one of the above embodiments, and will not be repeated herein. The first certificate-storing transaction can be used for storing the content of the account period payment contract based on a tamper-proof mechanism of the blockchain, so that other node equipment on the blockchain can acquire or verify the content of the account period payment contract conveniently.

In an embodiment, the transaction platform node device may further obtain shipping information based on the target transaction object sent by the seller client, and record the certification data (such as an invoice shipping order number, an invoice photo, or the like, or a hash digest of the data) of the shipping information in the first certification transaction, so as to certify the real trade relationship between the buyer and the seller.

In still another illustrated embodiment, in order to increase mutual trust between the buyer and the seller users and trust of the transaction platform on the buyer and seller users, especially trust of the buyer user who sends the payment application in the accounting period, the buyer user may register its identity authentication information on the node device of the transaction platform, where the identity authentication information may include real name identity document information of the buyer user, or biological identification information (such as face identification information, fingerprint information, voiceprint information, etc.), or enterprise organization certificate information, or biological identification information of the responsible person of the enterprise organization, or electronic identity authentication information of the individual or organization user (such as identity certificate issued by CA institution for the user, etc.), so that the buyer user may perform true identity when making the payment application in the accounting period using the transaction platform, thereby increasing mutual trust of the buyer and seller, omitting the wind control measures of the transaction platform to a certain extent, and further improving the user experience of the buyer and seller user.

In order to further ensure the authenticity and credibility of the identity authentication information, and prevent any user or transaction platform from tampering with the identity authentication information, the first certificate storing transaction according to the above embodiment may further include certificate storing information of the identity authentication information, which may be specifically represented as an original text or a ciphertext of the identity authentication information, or a hash digest of the identity authentication information, etc., so as to provide a certificate for the identity authentication information based on a tamper-proof mechanism of a blockchain, and further provide evidence for a possible identity authentication dispute.

Step 208, the financial institution node device obtains a financing loan application sent by the seller client and obtains the first evidence-storing transaction from the distributed database of the blockchain; the financing loan application is generated based on the buyer deferring payment of a first amount of funds for the seller in the target order.

After the buyer user delays paying the first amount of funds to the seller user based on the account payment contract, the seller user may require some funds to be credited due to own funds configuration management requirements; in conventional financial approaches, the creditor may apply for a loan to a financial institution based on a creditor mortgage or creditor transfer of the receivables; however, the application and audit of the loan generally requires a lot of material preparation and a long material validity audit time, which is less time-efficient and labor-intensive.

As described above, the specific manner of the financial institution node device to obtain the financing loan application sent by the seller client may be varied, and the embodiments provided in the present specification are not limited thereto. For example, the seller client may be in direct communication with the financial institution node facility to send a financing loan application thereto; when the seller client is used as a node of the blockchain, the seller client can send the financing loan application to the distributed database of the blockchain, and accordingly, the financial institution node equipment can acquire the financing loan application from the distributed database of the blockchain.

At step 210, after verifying the financing loan application based on the first certification transaction, the financial institution node device sends a loan issuing notice indicating that the financial institution may issue a second amount of financing loan to the seller.

Based on the financial institution's wind control requirements and the financial industry's regulatory requirements, the financial institution needs to verify (i.e., audit) the financing loan application, where the verification or audit process may generally include verifying the authenticity of the trade, verifying the creditability of the receivables, etc. on the basis of the financing loan application based on the receivables, and thus, the financial institution node device may verify or verify the financing loan application based on the first certificate transaction obtained from the blockchain's distributed database, where the verification or audit may include verifying the deferred payment amount (i.e., the first amount) agreed by the payment contract during the accounting period, or the description, quantity, delivery mode, dispatch information, invoice information, etc. of the target transaction object.

The process of verifying the financing loan application may be performed by an executable program running on the financial institution node device, or may be performed manually by staff of the financial institution, and after verification is completed, a registration or record of the verification completion is given on the financial institution node device, so as to facilitate the financial institution node device to execute preset loan issuing logic. The preset loan issuing logic may include: transmitting a loan issuing notice indicating that the financial institution may issue a second amount of financing loan to the seller user; or performing a second amount of financing loan release; etc

Similarly, the specific transmission mode of the loan issuing notice by the financial institution node device may be various, for example, the financial institution node device may be directly connected to the seller client in a communication manner to transmit the loan issuing notice thereto; when the seller client is used as a node of the blockchain, the financial institution node equipment can send the loan issuing notification to a distributed database of the blockchain, so that the function of sending the notification to a seller user of a transaction platform is achieved, and a second number of financing loans can be issued to the seller user by a financial institution to serve as data storage certificates, so that financial dispute evidence obtaining flows possibly existing later can be conveniently implemented; accordingly, the seller client may obtain the loan issuing notice from within the blockchain distributed database.

The second amount is typically different from the first amount, or the second amount may be less than the first amount, because the amount of the financing loan actually required by the seller user may be different from the amount of the payable corresponding to the target order, or the amount of the financing loan actually issued to the seller user may be different from the amount of the financing loan applied by the seller user due to a financial institution taking into account the financial institution.

The present disclosure is not limited to the specific form of the above-mentioned financial institution performing the second amount of financing loan issuing to the seller user, and the on-line transmission of funds or funds credentials to the seller client may be performed by the financial institution node device, such as the transfer of digital certificates (Token) equivalent to the second amount of financing loan being completed on the blockchain; the second amount of financing loan may also be issued off-line, such as by bank account transfer, etc. Accordingly, the loan-sending notice may also be in the form of a transfer transaction on a blockchain, a transaction to represent a loan-transferring notice of a bank account, or the like.

In this embodiment, the seller user of the transaction platform may directly online lift the financing loan application to the financial institution based on the account payment contract achieved on the transaction platform, and the financial institution node device may directly obtain the audit verification material (e.g., the first evidence-storing transaction) online; therefore, labor cost of offline operations such as material preparation and auditing required by traditional receivables financing loans is saved, loan application is directly completed in one-stop mode based on transactions, the fund utilization rate of a financial institution is improved, fund support is provided for seller users of a transaction platform, and resource loss such as labor cost is reduced; thus, good funds flow is established among the financial institutions, the seller users and the buyer users, and the resource allocation of the whole system is optimized.

In yet another illustrated embodiment, the ledger payment contract of one or more embodiments above further includes a first term for the buyer to delay payment of funds for the seller based on the target order; the financing loan method based on the blockchain provided by the embodiment further comprises the following steps:

step 212, the transaction platform node device obtains a payment notification sent by the buyer client, where the payment notification is used to indicate that the buyer pays a first amount of funds to the seller during the first period. Those skilled in the art will recognize that the payment notification may be expressed as a transfer transaction between the blockchain account of the buyer user and the seller user, or a transfer voucher such as a transfer ticket sent from the buyer's bank account to the seller's bank account.

In step 214, the transaction platform node device sends a second certificate transaction to the blockchain, where the second certificate transaction includes the certificate data of the payment notification, where the certificate data may be represented as an original text or a ciphertext of the payment notification or a hash digest of the payment notification, which is not described herein.

In still another illustrated embodiment, the loan issuing notice sent by the financial institution according to one or more embodiments further includes a second term for returning the financing loan, and the blockchain-based financing loan method provided in this embodiment further includes:

In step 216, the financial institution node device obtains a repayment notice sent by the buyer client or the seller client, where the repayment notice is used to indicate that the buyer or the seller returns a financing loan to the financial institution within the second period limit.

According to the different account-to-be-collected payment right disposal modes (right transfer or right mortgage) used when the seller client applies for the financing loan, the setting of the repayment party of the financing loan issued by the financial institution is also different. For example, when the seller transfers the right of the receivables to the financial institution corresponding to the target order, the loan return to the financial institution may be performed by the buyer; when the seller user gives a credit right of the receivables corresponding to the target order to the financial institution, the return of the loan to the financial institution may be performed by the seller user. Those skilled in the art will appreciate that, based on the financial institution's profit model, the total amount of financing loans returned to the financial institution by the buyer or seller within the second period of time may be greater than the second amount of financing loans issued by the financial institution, which is not limited in this specification.

Similarly, the specific form of the payment notification may include a transfer transaction between the buyer user or the seller user and the blockchain account of the financial institution, a transfer ticket sent from the buyer's or seller's bank account to the financial institution's bank account, or a payment ticket executed by the financial institution, which is not limited in this specification.

At step 218, the financial institution node facility sends a third forensic transaction to the blockchain, wherein the third forensic transaction includes forensic data for the payment notification. The certificate data may be represented as an original text or ciphertext of the payment notification or a hash digest of the payment notification, which will not be described in detail herein.

Corresponding to the above-described flow implementation, embodiments of the present disclosure also provide a blockchain-based virtual resource allocation device 30, 40, and a blockchain-based financing loan device 50, 60. The apparatus 30, 40, 50, 60 may be implemented in software, or may be implemented in hardware or a combination of hardware and software. Taking software implementation as an example, the device in a logic sense is formed by reading corresponding computer program instructions into a memory through a CPU (Central Process Unit, central processing unit) of the device. In addition to the CPU, the memory, and the storage shown in fig. 7, the device in which the above apparatus is located generally includes other hardware such as a chip for performing wireless signal transmission and reception, and/or other hardware such as a board card for implementing a network communication function.

As shown in fig. 3, the present disclosure further provides a virtual resource allocation apparatus 30 based on a blockchain, which is applied to a blockchain network system including a transaction platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order at the transaction platform node device based on acquiring a target transaction object provided by the resource demander client; the apparatus 30 is applied to the node equipment end of the transaction platform, and includes:

A receiving unit 302, configured to receive a resource deferred transfer application sent by the resource occupation client;

an obtaining unit 304, configured to obtain a resource deferred transfer contract negotiated by the resource-requiring-side client and the resource-occupying-side client, where the resource deferred transfer contract includes a first amount of virtual resources of the resource-requiring-side occupied by the resource-occupying-side based on the target order;

a sending unit 306, configured to send a first forensic transaction to the blockchain, where the first forensic transaction includes forensic data of the resource deferred transfer contract.

In yet another illustrated embodiment, the obtaining unit 304 is further configured to obtain shipping information based on the target object sent by the resource-requiring side client;

the first certification transaction further includes certification data of the shipping information.

In yet another illustrated embodiment, the resource deferred transfer contract further includes a first transfer deadline for the transfer of a first amount of virtual resources to the resource demander by the resource occupation;

the obtaining unit 304 is further configured to obtain a resource transfer notification sent by the resource occupation party client, where the resource transfer notification is used to indicate that the resource occupation party transfers a first number of virtual resources to the resource demand party within the first transfer period;

The sending unit 306 is further configured to send a second forensic transaction to the blockchain, where the second forensic transaction includes forensic data of the resource transfer notification.

The implementation process of the functions and roles of each unit in the apparatus 30 is specifically described in detail in the implementation process of the corresponding steps in the blockchain-based virtual resource allocation method executed by the transaction platform node device, and relevant parts refer to part of the description of the method embodiment, which is not repeated herein.

As shown in fig. 4, the present disclosure further provides a virtual resource allocation apparatus 40 based on a blockchain, which is applied to a blockchain network system including a transaction platform node device, a resource provider node device, a resource demander client, and a resource occupation client, where the resource occupation client establishes a target order based on acquiring a target transaction object provided by the resource demander client at the transaction platform node device; the apparatus 40 is applied to the resource provider node device end, and includes:

an obtaining unit 402, configured to obtain a resource allocation application sent by the resource-requiring client, and obtain a first certificate-storing transaction from a distributed database of the blockchain; wherein the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order; the first forensic transaction is sent to the blockchain by the transaction platform node device, the first forensic transaction including forensic data of a resource deferred transfer contract; the resource deferred return contract is negotiated by the resource-requiring-party client and a resource-occupying-party client, the resource deferred transfer contract comprising a first amount of virtual resources of the resource-requiring-party that the resource-occupying-party occupies based on the target order;

And the execution unit 404 is configured to execute a preset resource allocation logic after verifying the resource allocation application based on the first certification transaction.

In yet another illustrated embodiment, the execution unit 404 is further configured to send a resource allocation notification to the blockchain, the resource allocation notification indicating that the resource provider can allocate a second amount of virtual resources to the resource demander.

In a further illustrated embodiment, the resource allocation notification further includes a second return deadline for returning the second number of virtual resources;

the obtaining unit 402 is further configured to obtain a virtual resource return notification sent by the resource demander client or the resource occupation client, where the return notification is used to indicate that the resource demander or the resource occupation returns a virtual resource to the resource provider within the second return period;

the apparatus further comprises a sending unit 406 further configured to send a third forensic transaction to the blockchain, wherein the third forensic transaction comprises forensic data of the return notification.

The implementation process of the functions and roles of each unit in the apparatus 40 is specifically described in detail in the implementation process of the corresponding steps in the blockchain-based virtual resource allocation method executed by the resource provider node device, and relevant parts refer to part of the description of the method embodiments, which is not repeated herein.

As shown in fig. 5, the present specification also provides a blockchain-based financing loan apparatus 50 applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client and a seller client of the transaction platform, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the apparatus 50 is applied to the node equipment end of the transaction platform, and includes:

a receiving unit 502, configured to receive an account payment application sent by the buyer client;

an obtaining unit 504, configured to obtain an account payment contract negotiated by the buyer client and the seller client, where the account payment contract includes a first amount of funds for the seller that the buyer needs to delay payment based on the target order;

a sending unit 506, configured to send a first forensic transaction to the blockchain, where the first forensic transaction includes forensic data of the account payment contract.

In still another illustrated embodiment, the obtaining unit 504 is further configured to obtain shipping information based on the target transaction object sent by the seller client;

In yet another illustrated embodiment, the ledger payment contract further includes a first term for the buyer to pay the first amount of funds to the seller;

the obtaining unit 504 is further configured to obtain a payment notification sent by the buyer client, where the payment notification is used to indicate that the buyer pays a first amount of funds to the seller within the first period;

the sending unit 506 is further configured to send a second forensic transaction to the blockchain, where the second forensic transaction includes forensic data of the payment notification.

The implementation process of the functions and roles of each unit in the apparatus 50 is specifically described in detail in the implementation process of the corresponding steps in the block chain-based financing loan method executed by the transaction platform node device, and the relevant points are only required to be described in part of the method embodiments and are not repeated herein.

As shown in fig. 6, the present specification also provides a blockchain-based financing loan apparatus 60 applied to a blockchain network system including a transaction platform node device, a financial institution node device, a buyer client of the transaction platform and a seller client, the buyer client establishing a target order at the transaction platform node device based on acquiring a target transaction object provided by the seller client; the apparatus 60 is applied to the node equipment end of the financial institution, and includes:

An obtaining unit 602, configured to obtain a financing loan application sent by the seller client, and obtain a first evidence-storing transaction from a distributed database of the blockchain; wherein the financing loan application is generated based on the buyer deferring payment of a first amount of funds for the seller in the target order; the first forensic transaction includes forensic data of an account payment contract; the account payment contract is negotiated by the buyer client and the seller client, the account payment contract including a first amount of funds for the seller that the buyer needs to delay payment based on the target order;

an execution unit 604 for executing preset loan issuing logic after verifying the financing loan application based on the first certification transaction.

In yet another illustrated embodiment, the sending unit 604 is further configured to send a loan issuing notice to the blockchain, the loan issuing notice indicating that the financial institution may issue a second amount of financing loan to the seller.

In yet another illustrated embodiment, the loan issuing notice further includes a second term to return the second amount of financing loan;

The obtaining unit 602 is further configured to obtain a repayment notification sent by the buyer client or the seller client, where the repayment notification is used to indicate that the buyer or the seller returns a financing loan to the financial institution within the second period;

the apparatus further comprises a sending unit 606 further configured to send a third forensic transaction to the blockchain, wherein the third forensic transaction comprises forensic data of the repayment notification.

The implementation process of the functions and roles of each unit in the apparatus 60 is specifically described in detail in the implementation process of the corresponding steps in the blockchain-based financing loan method executed by the node device of the financial institution, and the relevant points are only required to be described in part of the method embodiments and are not repeated here.

The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical modules, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the units or modules may be selected according to actual needs to achieve the purposes of the present description. Those of ordinary skill in the art will understand and implement the present invention without undue burden.

The apparatus, units, modules illustrated in the above embodiments may be implemented in particular by a computer chip or entity or by a product having a certain function. A typical implementation device is a computer, which may be in the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or a combination of any of these devices.

Corresponding to the above method embodiments, embodiments of the present disclosure also provide a computer device, as shown in fig. 7, which includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based virtual resource allocation method performed by the transaction platform node device in the embodiments of the present disclosure. For a detailed description of the steps of the blockchain-based virtual resource allocation method performed by the transaction platform node device, please refer to the previous contents, and the detailed description is not repeated.

Corresponding to the above method embodiments, embodiments of the present disclosure also provide a computer device, as shown in fig. 7, which includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based virtual resource allocation method performed by the resource provider node device in the embodiments of the present description. For a detailed description of the steps of the blockchain-based virtual resource allocation method performed by the resource provider node device, please refer to the previous contents, and is not repeated.

Corresponding to the above method embodiments, embodiments of the present disclosure also provide a computer device, as shown in fig. 7, which includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based financing loan method performed by the transaction platform node device described above in embodiments of the present disclosure. For a detailed description of the steps of the blockchain-based financing loan method performed by the transaction platform node device, please refer to the previous contents, and will not be repeated.

Corresponding to the above method embodiments, embodiments of the present disclosure also provide a computer device, as shown in fig. 7, which includes a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the blockchain-based financing loan method performed by the financial institution node device in the embodiments of the present description. For a detailed description of the steps of the blockchain-based financing loan method performed by the above-described financial institution node equipment, please refer to the previous contents, and will not be repeated.

The foregoing description of the preferred embodiments is provided for the purpose of illustration only, and is not intended to limit the scope of the disclosure, since any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the disclosure are intended to be included within the scope of the disclosure.

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

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

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.

Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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

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

Claims

1. The virtual resource allocation method based on the blockchain is applied to a blockchain network system comprising transaction platform node equipment, resource provider node equipment, a resource consumer client and a resource occupation client, wherein the resource occupation client establishes a target order at the transaction platform node equipment based on acquiring a target transaction object provided by the resource consumer client; the method comprises the following steps:

2. The method of claim 1, further comprising:

the transaction platform node equipment acquires shipping information based on a target object, which is sent by the resource demand side client;

3. The method of claim 1 or 2, the resource provider node device executing preset resource allocation logic, comprising:

the resource provider node device sends a resource allocation notification to the blockchain, the resource allocation notification to indicate that the resource provider may allocate a second amount of virtual resources to the resource demander.

4. The method of claim 1 or 2, the resource deferred transfer contract further comprising a first transfer deadline for the resource occupation to transfer a first amount of virtual resources to the resource demander;

the method further comprises the steps of:

the transaction platform node equipment acquires a resource transfer notification sent by the resource occupation party client, wherein the resource transfer notification is used for indicating that the resource occupation party transfers a first quantity of virtual resources to the resource demand party within the first transfer period;

and the transaction platform node equipment sends a second evidence-based transaction to the blockchain, wherein the second evidence-based transaction comprises evidence-based data of the resource transfer notification.

5. The method of claim 3, the resource allocation notification further comprising a second return deadline to return the second number of virtual resources;

the method further comprises the steps of:

the resource provider node equipment acquires a virtual resource return notice sent by the resource demand side client or the resource occupation side client, wherein the return notice is used for indicating that the resource demand side or the resource occupation side returns virtual resources to the resource provider in the second return period;

The resource provider node device sends a third forensic transaction to the blockchain, wherein the third forensic transaction includes forensic data of the return notification.

6. The method of claim 3, the second number being no greater than the first number.

7. The method according to claim 1 or 2, wherein the resource-occupying party client registers the identity authentication information of the resource-occupying party at the transaction platform node device;

the first forensic transaction further includes forensic data of the identity authentication information of the resource-occupying party.

8. The virtual resource allocation method based on the blockchain is applied to a blockchain network system comprising transaction platform node equipment, resource provider node equipment, a resource consumer client and a resource occupation client, wherein the resource occupation client establishes a target order at the transaction platform node equipment based on acquiring a target transaction object provided by the resource consumer client; the method comprises the following steps:

9. The method of claim 8, further comprising:

10. The method of claim 8 or 9, the resource deferred transfer contract further comprising a first transfer deadline for the resource occupation to transfer a first amount of virtual resources to the resource demander;

the method further comprises the steps of:

11. The method of claim 8 or 9, the blockchain being a coalition chain, the transaction platform node device and the resource provider node device being coalition member node devices.

12. The method according to claim 8 or 9, wherein the resource-occupying party client registers the identity authentication information of the resource-occupying party at the transaction platform node device;

13. The virtual resource allocation method based on the blockchain is applied to a blockchain network system comprising transaction platform node equipment, resource provider node equipment, a resource consumer client and a resource occupation client, wherein the resource occupation client establishes a target order at the transaction platform node equipment based on acquiring a target transaction object provided by the resource consumer client; the method comprises the following steps:

the resource provider node equipment acquires a resource allocation application sent by the resource demand side client and acquires a first certificate transaction from a distributed database of the blockchain; wherein the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order; the first forensic transaction is sent to the blockchain by the transaction platform node device, the first forensic transaction including forensic data of a resource deferred transfer contract; the resource deferred transfer contract is negotiated by the resource-requiring-party client and a resource-occupying-party client, the resource deferred transfer contract comprising a first amount of virtual resources of the resource-requiring-party that the resource-occupying-party occupies based on the target order;

14. The method of claim 13, the resource provider node device executing preset resource allocation logic, comprising:

15. The method of claim 14, the resource allocation notification further comprising a second return deadline to return the second number of virtual resources;

the method further comprises the steps of:

and sending a third forensic transaction to the blockchain, wherein the third forensic transaction comprises forensic data of the return notice.

16. The method of claim 14, the second number being no greater than the first number.

17. The method of claim 13, the resource-occupying party client registering, at the transaction platform node device, identity authentication information of the resource-occupying party;

18. The block chain-based financing loan method is applied to a block chain network system comprising transaction platform node equipment, financial institution node equipment, a buyer client side and a seller client side of the transaction platform, wherein the buyer client side establishes a target order at the transaction platform node equipment based on the acquisition of a target transaction object provided by the seller client side; the method comprises the following steps:

19. The method of claim 18, further comprising:

the transaction platform node equipment acquires the shipping information based on the target transaction object, which is sent by the seller client;

20. The method of claim 18 or 19, the financial institution node equipment executing preset loan issuing logic, comprising:

the financial institution node device sends a loan issuing notice to the blockchain indicating that the financial institution may issue a second amount of financing loan to the seller.

21. The method of claim 18 or 19, the ledger payment contract further comprising a first term for the buyer to pay the first amount of funds for the seller;

The method further comprises the steps of:

the transaction platform node device obtains a payment notice sent by the buyer client, wherein the payment notice is used for indicating that the buyer pays a first amount of funds to the seller within the first period;

the transaction platform node device sends a second forensic transaction to the blockchain, wherein the second forensic transaction includes forensic data of the payment notification.

22. The method of claim 20, the loan issuing notice further comprising returning a second term of the second amount of financing loan;

the method further comprises the steps of:

the financial institution node equipment obtains a repayment notice sent by the buyer client or the seller client, wherein the repayment notice is used for indicating that the buyer or the seller returns a financing loan to the financial institution within the second period;

the financial institution node device sends a third forensic transaction to the blockchain, wherein the third forensic transaction includes forensic data of the payment notification.

23. The method of claim 20, the second number being no greater than the first number.

24. The method of claim 18 or 19, the buyer client registering identity authentication information of a buyer user at the transaction platform node device;

The first forensic transaction further includes forensic data of the identity authentication information of the buyer user.

25. The method of claim 18, the blockchain being a coalition chain, the transaction platform node device and the financial institution node device being coalition member node devices.

26. The block chain-based financing loan method is applied to a block chain network system comprising transaction platform node equipment, financial institution node equipment, a buyer client side and a seller client side of the transaction platform, wherein the buyer client side establishes a target order at the transaction platform node equipment based on the acquisition of a target transaction object provided by the seller client side; the method comprises the following steps:

27. The method of claim 26, further comprising:

28. The method of claim 26 or 27, the ledger payment contract further comprising a first term for the buyer to pay a first amount of funds for the seller;

the method further comprises the steps of:

acquiring a payment notice sent by the buyer client, wherein the payment notice is used for indicating that the buyer pays a first amount of funds to the seller within the first period;

and sending a second forensic transaction to the blockchain, wherein the second forensic transaction includes forensic data of the payment notification.

29. The method of claim 26 or 27, the buyer client registering with the transaction platform node device identity authentication information of a buyer user;

30. The block chain-based financing loan method is applied to a block chain network system comprising transaction platform node equipment, financial institution node equipment, a buyer client side and a seller client side of the transaction platform, wherein the buyer client side establishes a target order at the transaction platform node equipment based on the acquisition of a target transaction object provided by the seller client side; the method comprises the following steps:

31. The method of claim 30, the executing preset loan issuing logic comprising:

a loan issuing notice is sent to the blockchain, the loan issuing notice indicating that the financial institution may issue a second amount of financing loan to the seller.

32. The method of claim 31, the loan issuing notice further comprising returning a second term of the second amount of financing loan;

The method further comprises the steps of:

acquiring a repayment notice sent by the buyer client or the seller client, wherein the repayment notice is used for indicating that the buyer or the seller returns a financing loan to the financial institution within the second period limit;

and sending a third forensic transaction to the blockchain, wherein the third forensic transaction comprises forensic data of the repayment notice.

33. The method of claim 30 or 31, the buyer client registering identity authentication information of a buyer user at the transaction platform node device;

34. The virtual resource allocation device based on the blockchain is applied to a blockchain network system comprising transaction platform node equipment, resource provider node equipment, a resource consumer client and a resource occupation client, wherein the resource occupation client establishes a target order at the transaction platform node equipment based on acquiring a target transaction object provided by the resource consumer client; the device is applied to the node equipment end of the transaction platform and comprises the following components:

35. The apparatus of claim 34, the obtaining unit further configured to obtain shipping information based on the target object sent by the resource-requiring side client;

36. The apparatus of claim 34 or 35, the resource deferred transfer contract further comprising a first transfer deadline for the resource occupation to transfer a first amount of virtual resources to the resource demander;

the obtaining unit is further configured to obtain a resource transfer notification sent by the resource occupation party client, where the resource transfer notification is used to indicate that the resource occupation party transfers a first number of virtual resources to the resource demand party within the first transfer period;

The sending unit is further configured to send a second forensic transaction to the blockchain, where the second forensic transaction includes forensic data of the resource transfer notification.

37. The virtual resource allocation device based on the blockchain is applied to a blockchain network system comprising transaction platform node equipment, resource provider node equipment, a resource consumer client and a resource occupation client, wherein the resource occupation client establishes a target order at the transaction platform node equipment based on acquiring a target transaction object provided by the resource consumer client; the device is applied to the node equipment end of the resource provider, and comprises:

the acquisition unit is used for acquiring a resource allocation application sent by the resource demand side client and acquiring a first certificate storage transaction from the distributed database of the blockchain; wherein the resource allocation application is generated based on the resource-occupying party occupying a first amount of the resource-requiring-party virtual resource in the target order; the first forensic transaction is sent to the blockchain by the transaction platform node device, the first forensic transaction including forensic data of a resource deferred transfer contract; the resource deferred transfer contract is negotiated by the resource-requiring-party client and a resource-occupying-party client, the resource deferred transfer contract comprising a first amount of virtual resources of the resource-requiring-party that the resource-occupying-party occupies based on the target order;

38. The apparatus of claim 37, the execution unit further to send a resource allocation notification to the blockchain, the resource allocation notification to indicate that the resource provider can allocate a second amount of virtual resources to the resource demander.

39. The apparatus of claim 38, the resource allocation notification further comprising a second return deadline to return the second number of virtual resources;

the obtaining unit is further configured to obtain a virtual resource return notification sent by the resource demander client or the resource occupation client, where the return notification is used to indicate that the resource demander or the resource occupation returns a virtual resource to the resource provider in the second return period;

the apparatus further includes a transmitting unit configured to transmit a third forensic transaction to the blockchain, wherein the third forensic transaction includes forensic data of the return notification.

40. The block chain-based financing loan device is applied to a block chain network system comprising transaction platform node equipment, financial institution node equipment, a buyer client side and a seller client side of the transaction platform, wherein the buyer client side establishes a target order at the transaction platform node equipment based on the acquisition of a target transaction object provided by the seller client side; the device is applied to the node equipment end of the transaction platform and comprises the following components:

41. The apparatus of claim 40, wherein the acquiring unit is further configured to acquire shipping information based on the target transaction object sent by the seller client;

42. The apparatus of claim 40 or 41, the ledger payment contract further comprising a first term for the buyer to pay a first amount of funds for the seller;

the acquiring unit is further configured to acquire a payment notification sent by the buyer client, where the payment notification is used to indicate that the buyer pays a first amount of funds to the seller within the first period;

the sending unit is further configured to send a second forensic transaction to the blockchain, where the second forensic transaction includes forensic data of the payment notification.

43. The block chain-based financing loan device is applied to a block chain network system comprising transaction platform node equipment, financial institution node equipment, a buyer client side and a seller client side of the transaction platform, wherein the buyer client side establishes a target order at the transaction platform node equipment based on the acquisition of a target transaction object provided by the seller client side; the device is applied to the financial institution node equipment end, and comprises:

44. The apparatus of claim 43, the execution unit further to send a loan issuance notice to the blockchain indicating that the financial institution can issue a second amount of financing loan to the seller.

45. The apparatus of claim 44, the loan issuing notice further comprising a second term to return the second amount of financing loan;

the obtaining unit is further configured to obtain a repayment notification sent by the buyer client or the seller client, where the repayment notification is used to indicate that the buyer or the seller returns a financing loan to the financial institution within the second period;

the apparatus further includes a sending unit configured to send a third forensic transaction to the blockchain, where the third forensic transaction includes forensic data of the payment notification.

46. A computer device, comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when running the computer program, performs the method of any of claims 8 to 12.

47. A computer device, comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when running the computer program, performs the method of any of claims 13 to 17.

48. A computer device, comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when running the computer program, performs the method of any of claims 26 to 29.

49. A computer device, comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when running the computer program, performs the method of any of claims 30 to 33.