CN110275925A - Virtual resource allocation method and apparatus based on block chain - Google Patents

Virtual resource allocation method and apparatus based on block chain Download PDF

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Publication number
CN110275925A
CN110275925A CN201910468799.XA CN201910468799A CN110275925A CN 110275925 A CN110275925 A CN 110275925A CN 201910468799 A CN201910468799 A CN 201910468799A CN 110275925 A CN110275925 A CN 110275925A
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China
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resource
node device
client
block chain
contract
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CN201910468799.XA
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CN110275925B (en
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李敏
朱海伟
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Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Abstract

One or more embodiments of this specification provide a kind of virtual resource allocation method and apparatus based on block chain, which comprises transaction platform node device receives the resource that resource occupation side's client is sent and delays to shift application；It obtains the resource that resource requirement side's client and resource occupation side's client are negotiated to delay to shift contract, the resource delays to shift contract to include the first quantity and the first time limit that the resource occupation side occupies resource requirement side's virtual resource based on the target order；It is deposited to block chain transmission first and demonstrate,proves transaction, wherein described first, which deposits card transaction, deposits card data including resource extension transfer contract；Resource provider node device obtains the resource allocation application that resource requirement side's client is sent, and obtains described first from the distributed data base of the block chain and deposit card transaction；Execute the resource allocation logic of resource allocation contract statement.

Description

Virtual resource allocation method and apparatus based on block chain
Technical field
This specification is related to technical field of data processing more particularly to a kind of virtual resource allocation method based on block chain And device.
Background technique
Virtual resource allocation is a kind of common concepts of computer application technology, can both have been referred to inside an equipment Virtual resource allocation, can also refer to the scheduling of resource between multiple devices.In these application scenarios, " resource " is all often Limited, demand of the resources requesting party to resource is likely larger than the total quantity of itself practical resource possessed, and resource provider But still there may be a large amount of " idle " resource；Therefore, how " idle " resource of resource provider is carried out reasonable Scheduling, enables resource utilization to improve as far as possible, is always researcher's important directions of interest.
Block chain technology is also referred to as distributed account book technology, is that one kind is participated in " remembering jointly by several calculating equipment Account ", the emerging technology of common a complete distributed data base of maintenance.Since block chain technology has decentralization, openly Transparent, every calculating equipment can participate in data-base recording and respectively calculate that data synchronization can be rapidly performed by between equipment Characteristic so that block chain technology is widely applied in numerous fields.
Summary of the invention
In view of this, this specification one or more embodiment provides a kind of distribution side of virtual resource based on block chain Method, device and computer equipment.
To achieve the above object, it is as follows to provide technical solution for this specification one or more embodiment:
According to this specification one or more embodiment in a first aspect, proposing a kind of virtual resource based on block chain Distribution method is applied to include transaction platform node device, resource provider node device, resource requirement side's client and resource The block chain network system of occupancy side's client, resource occupation side's client are based on obtaining in the transaction platform node device The target transaction object of resource requirement side's client offer is provided and has established target order；Resource requirement side's client Being based on target order foundation in the resource provider node device has resource allocation contract；The described method includes:
The transaction platform node device receives the resource that resource occupation side's client is sent and delays to shift application；
The transaction platform node device obtains what resource requirement side's client and resource occupation side's client were negotiated Resource delays to shift contract, and the resource delays to shift contract to include that the resource occupation side is based on the target order and occupies First quantity of resource requirement side's virtual resource and the first time limit；
The transaction platform node device sends first to the block chain and deposits card transaction, wherein described first, which deposits card, hands over Easily card data are deposited including resource extension transfer contract；
The resource provider node device obtains the resource allocation application that resource requirement side's client is sent, and from Described first is obtained in the distributed data base of the block chain deposits card transaction；The resource allocation application is based on not shifting proof Data and generate, it is described do not shift prove data to prove the resource occupation Fang Wei within first time limit to the money Source party in request shifts the virtual resource of first quantity；
Deposited described in card transaction verification after resource allocation application based on described first, the resource provider node device to Resource requirement side's node device executes the resource allocation logic of the resource allocation contract statement.
According to the second aspect of this specification one or more embodiment, a kind of virtual resource based on block chain is proposed Distribution method is applied to include transaction platform node device, resource provider node device, resource requirement side's client and resource The block chain network system of occupancy side's client, resource occupation side's client are based on obtaining in the transaction platform node device The target transaction object of resource requirement side's client offer is provided and has established target order；Resource requirement side's client Being based on target order foundation in the resource provider node device has resource allocation contract；The described method includes:
The transaction platform node device receives the resource that resource occupation side's client is sent and delays to shift application；
The resource that resource requirement side's client and resource occupation side's client are negotiated is obtained to delay to shift contract, it is described Resource delays to shift contract to include that the resource occupation side is based on the target order and occupies the resource requirement side and virtually provide First quantity in source and the first time limit；
First is sent to the block chain and deposits card transaction, wherein it includes that the resource delays to turn that described first, which deposits card, which trades, That moves contract deposits card data.
According to the third aspect of this specification one or more embodiment, a kind of virtual resource based on block chain is proposed Distribution method is applied to include transaction platform node device, resource provider node device, resource requirement side's client and resource The block chain network system of occupancy side's client, resource occupation side's client are based on obtaining in the transaction platform node device The target transaction object of resource requirement side's client offer is provided and has established target order；Resource requirement side's client Being based on target order foundation in the resource provider node device has resource allocation contract；The described method includes:
The resource provider node device obtains the resource allocation application that resource requirement side's client is sent, and from First is obtained in the distributed data base of the block chain deposits card transaction；The resource allocation application is based on not shifting proof data And generate, described do not shift proves data to prove the resource occupation Fang Wei within the first time limit to the resource requirement side Shift the virtual resource of the first quantity；Described first, which deposits card transaction, deposits card data including resource extension transfer contract；The money Transfer contract is delayed by resource requirement side's client and the negotiation generation of resource occupation side's client in source, and the resource delays to turn Moving contract includes the first number that the resource occupation side occupies resource requirement side's virtual resource based on the target order Amount and the first time limit；
Deposited described in card transaction verification after resource allocation application based on described first, the resource provider node device to Resource requirement side's node device executes the resource allocation logic of the resource allocation contract statement.
According to the fourth aspect of this specification one or more embodiment, a kind of settlement of insurance claim based on block chain is proposed Method, applied to include transaction platform node device, insurance institution's node device, the transaction platform buy-side client end and sell The block chain network system of square client；The buy-side client end is based on obtaining seller client in the transaction platform node device The target transaction object provided is provided and has established target order；The seller client end is based in insurance institution's node device The target order foundation has settlement of insurance claim contract；The described method includes:
The transaction platform node device receives the account phase payment application that the buy-side client end is sent；
The transaction platform node device obtains the account phase payment negotiated in the buy-side client end and the seller client end Contract, account phase payment contract include that the buyer defers payment the first of seller's fund based on the target order Quantity and the first time limit deferred payment；
The transaction platform node device sends first to the block chain and deposits card transaction, wherein described first, which deposits card, hands over Easily card data are deposited including account phase payment contract；
Insurance institution's node device obtains the settlement of insurance claim application that the seller client end is sent, and from the block Described first is obtained in the distributed data base of chain deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and gives birth to At the non-pay warrant data are to prove the buyer not within first time limit to first data of seller payments Fund；
It is deposited described in card transaction verification after settlement of insurance claim application based on described first, insurance institution's node device is to institute State the Claims Resolution operation logic that seller client end executes the settlement of insurance claim contract statement.
According to the 5th of this specification one or more embodiment the aspect, a kind of settlement of insurance claim based on block chain is proposed Method, applied to include transaction platform node device, insurance institution's node device, the transaction platform buy-side client end and sell The block chain network system of square client；The buy-side client end is based on obtaining seller client in the transaction platform node device The target transaction object provided is provided and has established target order；The seller client end is based in insurance institution's node device The target order foundation has settlement of insurance claim contract；The described method includes:
The transaction platform node device receives the account phase payment application that the buy-side client end is sent；
The account phase payment contract negotiated in the buy-side client end and the seller client end is obtained, the account phase pays contract Including the buyer based on the target order and the first quantity of seller's fund of deferring payment and defer payment first Time limit；
First is sent to the block chain and deposits card transaction, wherein it includes that account phase payment is closed that described first, which deposits card, which trades, About deposit card data.
According to the 6th of this specification one or more embodiment the aspect, a kind of settlement of insurance claim based on block chain is proposed Method, applied to include transaction platform node device, insurance institution's node device, the transaction platform buy-side client end and sell The block chain network system of square client；The buy-side client end is based on obtaining seller client in the transaction platform node device The target transaction object provided is provided and has established target order；The seller client end is based in insurance institution's node device The target order foundation has settlement of insurance claim contract；The described method includes:
Insurance institution's node device obtains the settlement of insurance claim application that the seller client end is sent, and from the block First is obtained in the distributed data base of chain deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and generates, The non-pay warrant data are to prove the buyer not within the first time limit to the fund of first data of seller payments； Described first, which deposits card transaction, deposits card data including account phase payment contract；Account phase payment contract by the buy-side client end and The seller client end negotiates to generate, and the account phase payment contract includes that the buyer is based on the target order and defers payment First quantity of seller's fund and the first time limit deferred payment；
It is deposited described in card transaction verification after settlement of insurance claim application based on described first, insurance institution's node device is to institute State the Claims Resolution operation logic that seller client end executes the settlement of insurance claim contract statement.
According to the 7th of this specification one or more embodiment the aspect, a kind of virtual resource based on block chain is proposed Distributor is applied to include transaction platform node device, resource provider node device, resource requirement side's client and resource The block chain network system of occupancy side's client, resource occupation side's client are based on obtaining in the transaction platform node device The target transaction object of resource requirement side's client offer is provided and has established target order；Resource requirement side's client Being based on target order foundation in the resource provider node device has resource allocation contract；Described device is applied to described Transaction platform node device end, comprising:
Receiving unit delays to shift application for receiving the resource that resource occupation side's client is sent；
Acquiring unit is delayed for obtaining the resource that resource requirement side's client and resource occupation side's client are negotiated Contract is shifted, the resource delays to shift contract to include that the resource occupation side is based on the target order and occupies the resource First quantity of party in request's virtual resource and the first time limit；
Transmission unit deposits card transaction for sending first to the block chain, wherein it includes institute that described first, which deposits card, which trades, That states resource extension transfer contract deposits card data.
According to the eighth aspect of this specification one or more embodiment, a kind of virtual resource based on block chain is proposed Distributor is applied to include transaction platform node device, resource provider node device, resource requirement side's client and resource The block chain network system of occupancy side's client, resource occupation side's client are based on obtaining in the transaction platform node device The target transaction object of resource requirement side's client offer is provided and has established target order；Resource requirement side's client Being based on target order foundation in the resource provider node device has resource allocation contract；Described device is applied to described Resource provider node device end, comprising:
Acquiring unit, the resource allocation application sent for obtaining resource requirement side's client, and from the block First is obtained in the distributed data base of chain deposits card transaction；The resource allocation application, which is based on not shifting, to be proved data and generates, Described do not shift proves data to prove the resource occupation Fang Wei within the first time limit to resource requirement side transfer the The virtual resource of one quantity；Described first, which deposits card transaction, deposits card data including resource extension transfer contract；The resource is delayed It shifts contract to negotiate to generate by resource requirement side's client and resource occupation side's client, the resource delays to shift contract The first quantity and of resource requirement side's virtual resource is occupied based on the target order including the resource occupation side One time limit；
Execution unit, for being deposited described in card transaction verification after resource allocation application based on described first, Xiang Suoshu resource Party in request's node device executes the resource allocation logic of the resource allocation contract statement.
According to the 9th of this specification one or more embodiment the aspect, a kind of settlement of insurance claim based on block chain is proposed Device, applied to include transaction platform node device, insurance institution's node device, the transaction platform buy-side client end and sell The block chain network system of square client；The buy-side client end is based on obtaining seller client in the transaction platform node device The target transaction object provided is provided and has established target order；The seller client end is based in insurance institution's node device The target order foundation has settlement of insurance claim contract；Described device is applied to transaction platform node device end, comprising:
Receiving unit, the account phase payment application sent for receiving the buy-side client end；
Acquiring unit pays contract, institute for obtaining the account phase that the buy-side client end and the seller client end are negotiated State the account phase payment contract include the buyer based on the target order and the first quantity of seller's fund of deferring payment and The first time limit deferred payment；
Transmission unit deposits card transaction for sending first to the block chain, wherein it includes institute that described first, which deposits card, which trades, That states account phase payment contract deposits card data.
According to the tenth of this specification one or more embodiment the aspect, a kind of settlement of insurance claim based on block chain is proposed Device, applied to include transaction platform node device, insurance institution's node device, the transaction platform buy-side client end and sell The block chain network system of square client；The buy-side client end is based on obtaining seller client in the transaction platform node device The target transaction object provided is provided and has established target order；The seller client end is based in insurance institution's node device The target order foundation has settlement of insurance claim contract；Described device is applied to insurance institution's node device end, comprising:
Acquiring unit, the settlement of insurance claim application sent for obtaining the seller client end, and dividing from the block chain First is obtained in cloth database deposits card transaction；The settlement of insurance claim application be based on non-pay warrant data and generate, it is described not Pay warrant data are to prove the buyer not within the first time limit to the fund of first data of seller payments；Described One, which deposits card transaction, deposits card data including account phase payment contract；Account phase payment contract is by the buy-side client end and described sells Square client negotiates to generate, and the account phase payment contract includes that the buyer is based on the target order and described sell of deferring payment The first quantity of Fang Zijin and the first time limit deferred payment；
Execution unit, for being deposited described in card transaction verification after settlement of insurance claim application based on described first, the Xiang Suoshu seller The Claims Resolution operation logic of the statement of settlement of insurance claim contract described in client executing.
On the one hand according to the tenth of this specification one or more embodiment the, a kind of computer equipment is proposed, comprising: deposit Reservoir and processor；The computer program that can be run by the processor is stored on the memory；The processor operation When the computer program, the virtual money based on block chain performed by the respective embodiments described above transaction platform node device is executed Source distribution method.
According to the 12nd of this specification one or more embodiment the aspect, a kind of computer equipment is proposed, comprising: deposit Reservoir and processor；The computer program that can be run by the processor is stored on the memory；The processor operation When the computer program, execute performed by the respective embodiments described above resource provider node device based on the virtual of block chain Resource allocation methods.
According to the 13rd of this specification one or more embodiment the aspect, a kind of computer equipment is proposed, comprising: deposit Reservoir and processor；The computer program that can be run by the processor is stored on the memory；The processor operation When the computer program, the insurance reason performed by the respective embodiments described above transaction platform node device based on block chain is executed Compensation method.
According to the fourteenth aspect of this specification one or more embodiment, a kind of computer equipment is proposed, comprising: deposit Reservoir and processor；The computer program that can be run by the processor is stored on the memory；The processor operation When the computer program, the insurance reason performed by the respective embodiments described above insurance institution node device based on block chain is executed Compensation method.
By above technical scheme as it can be seen that this specification provide the virtual resource allocation method and apparatus based on block chain, The service of delay repayment virtual resource is provided for resource occupation side based on the order generated on transaction platform, and is based on block chain Tamper-proof mechanisms, shift contract for the extension of resource occupation side and resource requirement side and carry out depositing card；Resource provider is based on warp The resource occupation side of card and the extension transfer contract of resource requirement side are deposited, in resource occupation Fang Wei according to the time limit of agreement to resource When above-mentioned virtual resource is given back by party in request, the virtual resource needed for it is provided for resource requirement side, to can not only promote money The utilization rate of the slack resources of source provider can also save and initiate virtual resource allocation to resource provider based on transaction relationship When human cost.
When the technical solution that this specification provides is applied to settlement of insurance claim scene, buyer user can be on transaction platform The target object commodity or service provide seller user lift the payment of account phase, to facilitate the fund stream configuration of buyer user Management；Based on the tamper-proof mechanisms of block chain, carry out depositing card for the transaction relationship of both parties；Insurance institution is based on target object Order insure for seller user, receiving based on buyer user according to the time limit of agreement to buyer user pay payment for goods reason When paying for application, Claims Resolution operation logic is executed to seller user, to also ensure the equity of seller user.
Detailed description of the invention
Fig. 1 is the process of the virtual resource allocation method based on block chain shown in an embodiment provided by this specification Schematic diagram；
Fig. 2 is the process signal of the settlement of insurance claim method based on block chain shown in an embodiment provided by this specification Figure；
Fig. 3 be this specification provided by an embodiment provide be applied to transaction platform node device end based on block The schematic diagram of the virtual resource allocation device of chain；
Fig. 4 be this specification provided by an embodiment provide be applied to resource provider node device end based on area The schematic diagram of the virtual resource allocation device of block chain；
Fig. 5 be this specification provided by an embodiment provide be applied to transaction platform node device end based on block The schematic diagram of the settlement of insurance claim device of chain；
Fig. 6 be this specification provided by an embodiment provide be applied to insurance institution's node device end based on block The schematic diagram of the settlement of insurance claim device of chain；
Fig. 7 is the virtual resource allocation device or settlement of insurance claim device reality run provided by this specification based on block chain Apply a kind of hardware structure diagram of example.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with this specification one or more embodiment.Phase Instead, they are only some aspects phases with the one or more embodiments of as detailed in the attached claim, this specification The example of consistent device and method.
It should be understood that the sequence that might not show and describe according to this specification in other embodiments executes The step of correlation method.In some other embodiments, step included by method can than described in this specification more It is more or less.In addition, single step described in this specification, may be broken down into other embodiments multiple steps into Row description；And multiple steps described in this specification, it may also be merged into single step progress in other embodiments Description.
In practical applications, demand of the resource requirement side to virtual resource is likely larger than itself practical resource possessed Total quantity, and resource provider still may have a large amount of " idle " resource；Therefore, how to resource provider " idle " resource is reasonably dispatched, and the resource utilization for promoting resource provider then has a very important significance.
By taking the application scenarios of settlement of insurance claim in financial field as an example, in such a scenario, above-mentioned " virtual resource " can be with Refer to the fund for paying or settling a claim；Above-mentioned " resource provider " can be insurance institution；Above-mentioned " resource requirement side " then can be with It is based on the seller user for providing target object transaction to buyer user and being deferred payment by buyer user (i.e. resource occupation side). In related service scene, insurance institution is developing insurance business, can sign " order with the seller user of electric business transaction platform Danger " when with the commodity provided in the non-payment in due course seller user of buyer user or service, provides Claims Resolution service to seller user, To pay for the account due loss of seller user first.
In view of this, providing a kind of virtual money based on block chain in a kind of embodiment shown in this specification Source distribution method is applied to include transaction platform node device, resource provider node device, resource requirement side's client and money The block chain network of source occupancy side client, resource occupation side's client are based on obtaining in the transaction platform node device Target transaction object that resource requirement side's client provides and established target order, resource requirement side's client exists The resource provider node device, which is based on target order foundation, resource allocation contract.
Block chain network described in this specification one or more embodiment specifically can refer to each node device and pass through altogether P2P network system that knowledge mechanism is reached, with Distributed Storage structure, the data distribution in the block chain is in time Within connected " block (block) " one by one, latter block includes the data summarization of previous block, and according to specific common recognition The difference of mechanism (such as POW, POS, DPOS or PBFT) reaches the data full backup of all or part of node.The skill of this field Art personnel are known, since block chain network system is run under corresponding common recognition mechanism, included to the number in block chain database According to being difficult to be distorted by arbitrary node, for example, by using the block chain of Pow common recognition, the attack at least needing the whole network 51% to calculate power just has Data with existing, therefore the guarantee data peace that block catenary system there are other centralization Database Systems incomparable may be distorted Entirely, the characteristic that attack protection is distorted.It follows that the data being included into the distributed data base of block chain will not be attacked or It distorts, to ensure that the real reliability for depositing the data information for demonstrate,proving the distributed data base into block chain.
The exemplary types of block chain network may include publicly-owned block chain network, privately owned block chain network and alliance's block chain Network.Although term block chain is usually associated with bit coin encryption currency network, block chain used herein be can be referred to Without reference to the DLS (distributed account book system) of any specific use-case.
In publicly-owned block chain network, common recognition process by common recognition network node control.For example, hundreds of, thousands of, even several Million entities can cooperate in publicly-owned block chain network, and each entity operates at least one section in publicly-owned block chain network Point.Therefore, publicly-owned block chain network is considered relative to the global network for participating in entity.The publicly-owned block chain network of example Including bit coin network, bit coin network is payment versus payment network.Bit coin network utilizes distributed account book, referred to as block Chain.However as described above, term block chain is commonly used to refer to not with particular reference to the distributed account book of bit coin network.
In general, publicly-owned block chain network supports publicly-owned transaction.All nodes in publicly-owned transaction and publicly-owned block chain network It is shared, and be stored in global block chain.Global block chain is the block chain across the duplication of all nodes.That is, for complete Office's block chain, all nodes are in completely the same state.In order to reach common understanding (for example, with intention block chain add block), Implement common recognition agreement in publicly-owned block chain network.Example common recognition agreement includes but is not limited to the work implemented in bit coin network (proof-of-work, POW) is proved as amount.
In general, privately owned block chain network is supplied to special entity, special entity centralized control reads and writees permission.The reality Which node body, which controls, can participate in block chain network.Therefore, privately owned block chain network is commonly known as granted network, to fair Perhaps who participates in network and its participates in horizontal (for example, only in certain transaction) application limitation.Various types of access can be used Controlling mechanism (for example, existing participant votes, addition novel entities, regulatory agency can control access).
In general, alliance's block chain network is privately owned in participating in entity.In alliance's block chain network, common recognition process by A group node (allied member's node) control of authorization, one or more nodes are operated by corresponding entity (for example, enterprise).Example Such as, alliance's block chain network can be operated by the alliance that a entity in ten (10) (for example, enterprise) forms, each entity is in the alliance At least one node is operated in block chain network.Therefore, for participating in entity, alliance's block chain network is considered private There is network.In some instances, each entity (node) must sign to each piece so that the block effectively and will be effective Block is added to block chain.In some instances, the subset (for example, at least seven entity) of at least entity (node) must be to each Block is signed so that the block is effective, and effective block is added to block chain.
It is contemplated that embodiment provided by this specification can be real in the block chain network of any suitable type It is existing.
Node (or node device) described in this specification one or more embodiment refers to can be by following respective nodes The block chain is added in agreement, the installation for running node protocol program, node as the block chain.Those skilled in the art The node device of the data full backup with block chain distributed data base is usually known as full node, there will be the distribution of block chain The node device of the incremental backup data (data for such as only having block head) of formula database is known as light node.In this specification In one or more embodiments, the node class of above-mentioned transaction platform node device or resource provider node device is not limited Type.
In this specification transaction platform described in one or more embodiments refer to provide object transactional services towards with The network platform at family；This specification does not limit the type of the trading object on transaction platform, can be the classes such as commodity or service Type；The user subject type of above-mentioned transaction platform is not limited, can may be enterprise or organizing user for personal user yet；And And the operator entity of above-mentioned transaction platform can also be used as the user of above-mentioned transaction platform, on transaction platform provide commodity or The bargain transaction of service.It is worth noting that, this specification does not limit above-mentioned transaction platform node device or or resource offer The number of square node device, transaction platform or resource provider can correspond to a device end or server, can also correspond to Multiple equipment terminal or server are using the node device as above-mentioned block chain.
Above-mentioned resource requirement side's (seller user as above-mentioned transaction platform), is provided with target on above-mentioned transaction platform Trading object；Above-mentioned resource occupation side (the buyer user as above-mentioned transaction platform), the transaction platform be based on purchase or It obtains above-mentioned target transaction object and has established target order.
In one or more embodiments that this specification provides, the user subject of above-mentioned transaction platform (including resource needs The side of asking user or resource occupation side user) by being added in above-mentioned block chain network in terminal operating installation program of client Come, above-mentioned installation program of client can be the installation procedure of block chain node device, correspondingly, the user client also conduct The node device of above-mentioned block chain, (as above to its neighbouring node device in the distributed data base copy of backup block chain State transaction platform node device) initiate data acquisition request, or and carrying out data broadcasting to its neighbouring node device to Data are issued on block chain；Above-mentioned installation program of client is also possible to set with allied member's node in alliance's block chain chain Block chain user client program that standby (such as above-mentioned transaction platform node device) connects, being accessed by control, correspondingly, the visitor Family end is and general not by the section as above-mentioned block chain due to not having the permission of the directly distributed data base of access block chain Point needs to carry out the request of data that there is permission to know to one or more allied members node connected to it.This specification Do not limit above-mentioned resource requirement side's client, resource occupation side's client whether be above-mentioned block chain node device.As above Described, no matter above-mentioned client is used as the ustomer premises access equipment of block chain node device or allied member's node, can by with friendship Easy platform nodes equipment communicates to connect and obtains the data being stored in the distributed data base of block chain, or by flat with transaction Platform node device or resource provider node device, which are communicated to connect, sends data into the distributed data base of block chain.
" virtual resource " mentioned in one or more embodiments in this specification may include terminal operation institute The resource form needed, resource form needed for may also comprise the corresponding entity of terminal, such as the token in block chain (token), the outer assets of the chains such as the intellectual capitals such as digital asset or cash, security, discount coupon, house property outside block chain, this explanation Book is limited not to this.
As shown in Figure 1, the virtual resource allocation method based on block chain provided by present embodiment, comprising:
Step 102, the resource that the transaction platform node device receives that resource occupation side's client is sent delays to turn Move application.
Resource occupation side be obtain target transaction object that (or purchase) above-mentioned resource requirement side provides and should be to above-mentioned money Source party in request shifts a certain number of virtual resources；Virtual resource configuration and regulatory requirement of the resource occupation side based on itself, can To lift the resource extension transfer application to above-mentioned resource requirement side on above-mentioned transaction platform.It is usually set on existing transaction platform When setting the instant forwarding functions of resources such as " shifting immediately " or " shifting on line ", and certain response being set for the instant forwarding function Between, such as 10 minutes, 20 minutes, 30 minutes；Resource described in each embodiment of this specification, which delays to shift, applies referring to application The time for completing resource transfers significantly exceeds the response time shifted immediately, such as with day timing, or with moon timing, or even in terms of year When.
Step 104, above-mentioned transaction platform node device obtains resource requirement side's client and resource occupation side client The resource of end negotiation delays to shift contract, and the resource extension transfer contract includes that the resource occupation side is ordered based on the target The first quantity and the first time limit single and that occupy resource requirement side's virtual resource.
Delay to turn based on the resource to above-mentioned resource requirement side that above-mentioned resource occupation side lifts on above-mentioned transaction platform Application is moved, it is above-mentioned resource requirement side's client that above-mentioned transaction platform, which can provide resource and delay to shift Contract negotiation operation flow, Reach resource with resource occupation side's client to delay to shift contract offer service.Above-mentioned resource delays to shift contract to be that can embody Above-mentioned resource requirement side and resource occupation the side data information for shifting corresponding virtual resource of delaying based on target order, can be with It is a variety of shapes of electronic edition of electronics contract, electronic order (such as above-mentioned target order), electronic affirmation letter or papery contract order Formula is not construed as limiting in the present embodiment.Negotiate through both sides' client, above-mentioned resource delays to shift contract to include that the resource accounts for The first quantity and the first time limit of resource requirement side's virtual resource, the first time limit are occupied based on the target order with side Indicate that above-mentioned resource occupation side occupies the time limit of the virtual resource of above-mentioned first quantity in resource requirement side, i.e., above-mentioned resource accounts for The time limit of the virtual resource of above-mentioned first quantity need to be shifted to above-mentioned resource requirement side with side.In the embodiment shown in one In, the above-mentioned available standard electronic contract of transaction platform, to guarantee that above-mentioned resource delays to shift contract to be above-mentioned resource requirement The true intention of side and resource occupation side indicates that above-mentioned resource delays to shift contract to may include above-mentioned resource requirement side and resource Occupancy side is based on digital signature made by agreement terms.
Step 106, the transaction platform node device sends first to the block chain and deposits card transaction, wherein described the One, which deposits card transaction, deposits card data including resource extension transfer contract.
Transaction (transaction) described in one or more embodiments, refers to and passes through block in this specification The node device of chain creates, and a data for needing finally to be distributed in the distributed data base of block chain.Wherein, block chain In transaction, there are points of the transaction of narrow sense and the transaction of broad sense.The transaction of narrow sense refers to user issues to block chain one Value Transfer；For example, transaction can be one that user initiates in block chain in traditional bit coin block chain network It transfers accounts.And the transaction of broad sense refers to the business number being intended to business that user subject is issued by node to block chain According to.First deposits card transaction described in present embodiment, and the original text or ciphertext that may include above-mentioned resource extension transfer contract are to make To deposit card data, also may include above-mentioned resource and delay " digital finger-print " that shifts treaty content --- i.e. above-mentioned resource delays to turn The Hash digest of contract is moved based on the tamper-proof mechanisms of block chain, to play and delay to shift for above-mentioned resource as card data are deposited Contract deposits the effect of card.
By described in above-described embodiment first deposit card transaction be indexed to it is detailed in the distributed data base of the block chain Process, can according to the block chain authentication mechanism, common recognition mechanism and specifically set.It is described to incite somebody to action in the embodiment shown in one First, which deposits card transaction, uploads in the distributed data base of the block chain, comprising:
In the block chain have book keeping operation permission node verifying described first deposit card transaction pass through after, by described first It deposits card transaction and is added to candidate block；
The common recognition accounting nodes for meeting the block chain common recognition mechanism are determined from the node with book keeping operation permission；
Candidate block described in node broadcasts of the common recognition accounting nodes to the block chain；
After meeting the verifying approval of the node of preset quantity by the block chain in the candidate block, the candidate regions Block is considered as newest block, is added in the distributed data base of the block chain.
In the above-described embodiment, the node with book keeping operation permission refers to the node for generating candidate block permission.Root According to the common recognition mechanism of the block chain, there can be determining common recognition book keeping operation in the node of book keeping operation permission to the candidate block from above-mentioned Node, above-mentioned common recognition mechanism may include that proof of work mechanism (PoW) or right prove mechanism (PoS) or share warrant Bright mechanism (DPoS) or the common Byzantine failure tolerance algorithm mechanism (PBFT) of alliance's chain etc..
In actual service application, block chain network described in this specification said one or multiple embodiments can be with structure Frame is alliance's chain, and for above-mentioned transaction platform node device as allied member's node device, sending on alliance's chain includes the money Source delay transfer contract deposit card data first deposit card transaction.Compared to publicly-owned chain, the common recognition algorithm that alliance's chain uses is usual It is high-efficient, can meet the needs of high frequency trading volume, such as the transaction business based on transaction platform and what is frequently generated first deposit card Transaction；And the time delay of common recognition is very low, basically reaches the requirement handled in real time, it can be quickly in real time in the newborn block of block chain It includes above-mentioned first and deposits card transaction；Moreover, by trusted node in alliance's chain network, (such as transaction platform or government organs are corresponding Node) as the accounting nodes preselected, take into account safety and stability；In addition, the common recognition algorithm (such as PBFT) of alliance's chain is logical Chang Buhui consumes excessive computer and calculates power resource, is also not necessarily required to that token circulates, therefore have good workability.
Step 108, the resource provider node device obtains the resource allocation that resource requirement side's client is sent Application, and obtain described first from the distributed data base of the block chain and deposit card transaction；The resource allocation application is based on Not shifting proves data and generates, and described do not shift proves data to prove the resource occupation Fang Wei in first time limit Shift the virtual resource of first quantity in the introversive resource requirement side.
Resource provider can provide virtual resource allocation service to resource requirement side due to possessing idle virtual resource. When above-mentioned resource requirement side prove above-mentioned resource occupation Fang Wei above-mentioned resource delay transfer contract agreement the first time limit in When the virtual resource of above-mentioned resource requirement side's transfer or the first quantity of transfer completely, above-mentioned resource requirement can be based on not shifting card Bright data send resource allocation application to resource provider --- so that resource provider distributes it first to resource requirement side Still unreceived all or part of virtual resource or other virtual resources --- the virtual resource of the second quantity of loss in time limit, To assist the virtual resource configuration management of resource requirement side.In some embodiments shown, above-mentioned resource provider can The right for recovering the virtual resource for the second quantity that it is distributed to resource requirement side is enjoyed to above-mentioned resource occupation side.
Above-mentioned resource provider node device obtains the tool for the resource allocation application that resource requirement side's client is sent Body mode can there are many, this specification provide embodiment in be not construed as limiting.For example, above-mentioned resource requirement client can be with Above-mentioned resource provider node device direct communication connects and is sent to it resource allocation application；When above-mentioned resource requirement client When node as above-mentioned block chain, above-mentioned resource requirement client can send above-mentioned into the distributed data base of block chain Resource allocation application, correspondingly, above-mentioned resource provider node device can be got out of block chain distributed data base Above-mentioned resource allocation application.
Step 110, after depositing resource allocation application described in card transaction verification based on described first, the resource provider section Point device executes the resource allocation logic that the resource allocation contract is stated to resource requirement side's node device.
To deposit card transaction include that the resource reached of resource provider and resource occupation side delays to shift depositing for contract due to first Data are demonstrate,proved, above-mentioned resource extension transfer contract agreement has the resource occupation side to be based on the target order and occupy the resource First quantity of party in request's virtual resource and the first time limit, therefore, resource provider can delay to shift based on the resource for being deposited card It is virtual about the resource occupation side resource requirement side to be occupied in the target order in contract verifying resource allocation application Whether the first quantity of resource and the first time limit or the first quantity, the first time limit and other contents are correct, to ensure the resource point It is the transaction relationship based on necessary being and generates with application.
The process of the above-mentioned verifying resource allocation application can by what is run on above-mentioned resource provider node device It executes program to execute, manual verification can also be carried out by above-mentioned resource provider entity, and provide after the completion of verifying in resource The registration or record that verifying is completed are provided on square node device, to facilitate resource provider node device to resource requirement side client End executes preset resource allocation logic.The resource allocation logic of the resource allocation contract statement can include: send resource point With notice, the resource allocation announcement is to indicate that the resource provider can distribute the second quantity to the resource requirement side Virtual resource；Or execute the resource allocation of the second quantity；Etc..
Similar, the specific sending method that above-mentioned resource provider node device sends resource allocation announcement can have more Kind, for example, above-mentioned resource provider node device can connect with above-mentioned resource requirement client direct communication and be sent to it money Source distribution notice；When node of the above-mentioned resource requirement client as above-mentioned block chain, above-mentioned resource provider node device Above-mentioned resource allocation announcement can be sent into the distributed data base of block chain, correspondingly, above-mentioned resource requirement side's client Above-mentioned resource allocation announcement can be got out of block chain distributed data base.
This specification does not limit the virtual resource allocation that above-mentioned resource provider executes the second quantity to resource requirement side yet Concrete form, can by two side's terminals carry out virtual resource direct transmission, such as on above-mentioned block chain from resource offer The account of side directly executes money transfer transactions to the account of resource requirement side, to shift the area with the virtual resource equivalence of the second quantity The logical card (token) of block chain number；It can also be by carrying out the second quantity from resource provider to resource requirement side under block chain line Virtual resource transfer etc..
Virtual resource allocation method described in above-described embodiment, by block chain network system architecture, resource requirement side and Resource occupation side can be done directly the virtual resource of resource occupation side based on target transaction order of the both sides on transaction platform Delay to shift the virtual resource allocation application applied with resource requirement side, is configured with resource provider, resource requirement with rationalizing Tripartite's resource of side and resource occupation side, improves the utilization rate of resource.
Below in financial technology field, the payment of account phase is carried out based on transaction platform and based on the accounts receivable not reason such as also For paying for the application scenarios that proof data carry out settlement of insurance claim to insurance institution, the technical solution of the application is carried out specifically It is bright.
In the application scenarios, above-mentioned " virtual resource " can refer to the fund for paying or settling a claim；Above-mentioned " virtual resource Distribution " can refer to settlement of insurance claim；Above-mentioned " resource requirement side " can be the seller user of transaction platform, that is, have based on Accounts receivable information between buyer user carries out the user subject of the demand of settlement of insurance claim；Above-mentioned " resource occupation side ", then may be used To be the buyer user of transaction platform, i.e., there are the user subjects of accounts receivable debition with above-mentioned seller user.
Correspondingly, the another embodiment of this specification provides a kind of settlement of insurance claim method based on block chain, application In the seller client end and buy-side client end that include transaction platform node device, insurance institution's node device, the transaction platform Block chain network system；The buy-side client end is provided in the transaction platform node device based on acquisition seller client end Target transaction object and established target order；The seller client end is based on the target in insurance institution's node device Order foundation has settlement of insurance claim contract.
In this specification transaction platform described in one or more embodiments refer to provide object transactional services towards with The network platform at family；This specification does not limit the type of the trading object on transaction platform, can be the classes such as commodity or service Type；The user subject type of above-mentioned transaction platform is not limited, can may be enterprise or organizing user for personal user yet；And And the operator entity of above-mentioned transaction platform can also be used as the user of above-mentioned transaction platform, on transaction platform provide commodity or The bargain transaction of service.It is worth noting that, this specification does not limit above-mentioned transaction platform node device or insurance institution's section The number of point device, transaction platform or insurance institution can correspond to a device end or server, can also correspond to multiple set Standby terminal or server are using the node device as above-mentioned block chain.
As shown in Fig. 2, the settlement of insurance claim method based on block chain that present embodiment provides includes:
Step 202, the transaction platform node device receives the account phase payment application that the buy-side client end is sent.
Traditional electric business platform often sets up " immediate payment " function, from buyer to the third of seller account or electric business platform The amount of money in Fang Zhongli account immediate payment target order, and in view of between the involved multiple terminals of immediate payment operation Information reconciliation and network latency, often for should " immediate payment " function be provided with a few minutes to dozens of minutes network respond Time (or being " order effective time ").In the present embodiment, transaction platform can be bought in order payment transaction process Square user provides the payment function option of " payment of account phase " or " the payment application of account phase ", payment corresponding to the account phase payment function Validity period can be significantly greater than above-mentioned immediate payment function corresponding response time or effective time, for example, being made with day, the moon even year Payment validity period for the measurement unit for paying validity period, above-mentioned account phase payment can be 3 months (90 days), 6 months, even 1 Year, etc..
Above-mentioned transaction platform can be provided more by setting account phase payment function or account phase payment application function for buyer user The fund configuration management time for widening pine, improve the user friendly degree of transaction platform.
Step 204, the transaction platform node device obtains what the buy-side client end and the seller client end were negotiated The account phase pays contract, and the account phase payment contract includes that the buyer is based on the target order and seller's money of deferring payment First quantity of gold and the first time limit deferred payment.
Based on the account phase payment application to buyer user that buyer user lifts on above-mentioned transaction platform, above-mentioned transaction is flat Platform can provide the consultation business service process of account phase payment contract, reach the payment of account phase for above-mentioned buy-side client end and seller side's client Contract provides service.Above-mentioned account phase payment contract is can to embody above-mentioned buyer user and seller user to prolong based on target order The data information of phase payment, can be electronics contract, electronic order (can be above-mentioned target order), electronic affirmation letter or paper The diversified forms such as the electronic edition of matter contract order, are not construed as limiting in the present embodiment.Negotiate through both sides' client, the above-mentioned account phase Payment contract may include the buy-side client end group in the target order need to pay seller's fund the first quantity and Above-mentioned first quantity fund corresponding first time limit, the first time limit indicate that above-mentioned buyer user defers payment above-mentioned first quantity The time limit of fund；In yet other embodiments, above-mentioned account phase payment contract can also include in above-mentioned target order Other content, such as the description of target transaction object, quantity, delivery, invoice information.
In the embodiment shown in one, the above-mentioned available standard electronic contract of transaction platform, to guarantee the above-mentioned account phase Paying the true intention that contract is both parties user indicates, above-mentioned account phase payment contract may include above-mentioned both parties user Based on digital signature made by agreement terms.
Step 206, the transaction platform node device sends first to the block chain and deposits card transaction, wherein described the One, which deposits card transaction, deposits card data including account phase payment contract.
Above-mentioned account phase payment contract deposits the entire contents or be encrypted that card data may include above-mentioned account phase payment contract Entire contents, also may include the Hash digest data, etc. of above-mentioned account phase payment contract.Card transaction is deposited about first to be received The detailed process of the distributed data base of block chain is recorded, had citing in a kind of above-mentioned embodiment, herein no longer It repeats.Based on the tamper-proof mechanisms of block chain, the content that above-mentioned first, which deposits card transaction, can pay contract for the above-mentioned account phase is deposited Card, to facilitate other node devices on block chain to obtain or verify the content of payment of above-mentioned account phase contract.
In the embodiment shown in one, above-mentioned transaction platform node device can also obtain what above-mentioned seller client end was sent Based on the Shipping Information of target transaction object, and by the card data of depositing of above-mentioned Shipping Information, (such as dispatch list sends Air Way Bill No. or hair with charge free The Hash digest of manifest photo etc. or above-mentioned data) be embodied in above-mentioned first deposit card transaction in, thus for both parties between very Real trade relations deposit card.
In the another embodiment shown, in order to increase mutual trust between both parties user and transaction platform to dealing The trust of two parties especially increases the trust to the buyer user for sending the payment application of account phase, and above-mentioned buyer user can be Above-mentioned transaction platform node device registers its authentication information, and above-mentioned authentication information may include the real name body of buyer user Part certificate information or biometric identification information (such as recognition of face information, finger print information, voiceprint) or business organization's card The electronic identity authentication information of the biometric identification information or individual or entity user of part information or business organization responsible person is (such as CA mechanism is the letter of identity etc. that user issues) so that buyer user states transaction platform in use and carries out the payment application of account phase When can be executed with true identity, to increase both parties' mutual trust, the air control measure of transaction platform is saved to a certain extent, into one Step promotes the user experience of both parties user.
It is genuine and believable in order to further ensure above-mentioned authentication information, prevent any user or transaction platform from distorting State authentication information, described in above embodiment first deposit may also include above-mentioned authentication information in card transaction deposit card Information specifically can behave as the original text or ciphertext or the Hash digest of above-mentioned authentication information etc. of above-mentioned authentication information, It to the tamper-proof mechanisms based on block chain, is provided for above-mentioned authentication information and deposits card, and then recognized for the identity that may occur It demonstrate,proves dispute and evidence is provided.
Step 208, insurance institution's node device obtains the settlement of insurance claim application that the seller client end is sent, and from Described first is obtained in the distributed data base of the block chain deposits card transaction；The settlement of insurance claim application is based on non-pay warrant Data and generate, the non-pay warrant data are to prove the buyer not within first time limit to the seller payments The fund of first quantity.
When above-mentioned buyer user does not pay the fund of the first quantity completely within above-mentioned first time limit to seller user, sell Square user may due to itself fund configuration management demand and need some funds to keep accounts；And in traditional settlement of insurance claim, The application of settlement of insurance claim and the audit for testimonial material of settling a claim usually require a large amount of material and prepare to examine with longer material validity The core time, timeliness is poor, and human cost is excessively high.
In the embodiment that this specification provides, above-mentioned seller client end can lift guarantor to above-mentioned insurance institution on line Danger Claims Resolution application；For example, above-mentioned seller client end can connect with above-mentioned insurance institution's node device direct communication and is sent to it Settlement of insurance claim application；When node of the above-mentioned seller client end as above-mentioned block chain, above-mentioned seller client end can be to block Above-mentioned settlement of insurance claim application is sent in the distributed data base of chain, correspondingly, above-mentioned insurance institution's node device can be from block Above-mentioned settlement of insurance claim application is got in the distributed data base of chain.
This specification does not limit the content and class for generating the non-pay warrant data that above-mentioned settlement of insurance claim application is based on Type；For example, above-mentioned non-pay warrant data can be data collected in the account phase payment transaction process of transaction platform setting, Above-mentioned account phase payment transaction process can obtain buyer user within the first time limit to the payment data of seller user payment funds on account, if Buyer user is not within the first time limit to seller user payment or the fund of the first quantity of payment completely, above-mentioned account phase payment transaction Process can be oriented to the settlement of insurance claim process of transaction platform setting, and being participated in by above-mentioned seller client end and settlement of insurance claim node device should The business operation of settlement of insurance claim process.
For another example, above-mentioned non-pay warrant data can also be that the credits that third party authoritative institution (such as judiciary) is given are closed Be court verdict or statement book, above-mentioned court verdict or statement the provable buyer of book not within first time limit to the seller Pay the fund of the first quantity.Optionally, it provides above-mentioned court verdict or states that the judiciary of book can be used as above-mentioned block chain Node device, by the distribution of above-mentioned court verdict or all or part of the content for stating book deposited card data and be sent to above-mentioned block chain Formula database, to lift non-pay warrant data needed for settlement of insurance claim application as above-mentioned seller user.
Step 210, after depositing settlement of insurance claim application described in card transaction verification based on described first, insurance institution's node Equipment executes the Claims Resolution operation logic that the settlement of insurance claim contract is stated to the seller client end.
The regulatory requirements of air control demand and financial industry based on insurance institution, insurance institution need verifying (auditing) above-mentioned The process of settlement of insurance claim application, above-mentioned verifying or audit usually may include carrying out trade to the settlement of insurance claim application based on accounts receivable Easy authenticity audit, credits relationship (i.e. above-mentioned not pay card data) audit of accounts receivable etc., therefore, insurance institution's node Equipment can be based on acquired first depositing card transaction and audit to settlement of insurance claim application out of block chain distributed data base Or verifying, wherein specifically may include the amount of money of deferring payment (i.e. the first quantity) of reconciliation phase payment contract agreement, defer payment the phase Limit (i.e. the first time limit), quantity, delivery, sends information, hair with charge free at the description of non-pay warrant data or target transaction object The contents such as ticket information audit above-mentioned settlement of insurance claim application.
The process of the above-mentioned verifying settlement of insurance claim application can be held by what is run on above-mentioned insurance institution's node device Line program (such as intelligent contract) executes, and can also carry out manual verification by the staff of above-mentioned insurance institution, and verifying In providing the registration or record that verifying is completed on insurance institution's node device after, to facilitate insurance institution's node device to the seller The Claims Resolution operation logic of the statement of settlement of insurance claim contract described in client executing.The Claims Resolution operation of the settlement of insurance claim contract statement is patrolled Volume can include: Claims Resolution acknowledgement notification is sent, the Claims Resolution acknowledgement notification is to indicate that the insurance institution can use to the seller Compensate the Claims Resolution fund of the second quantity in family；Or the Claims Resolution fund of the second quantity of execution is transferred accounts；Etc..
Above-mentioned insurance institution's node device send Claims Resolution acknowledgement notification specific sending method can there are many, for example, on Stating insurance institution's node device can connect with above-mentioned seller client end direct communication and be sent to it Claims Resolution acknowledgement notification；When above-mentioned When node of the seller client end as above-mentioned block chain, above-mentioned insurance institution's node device can be to the distributed data of block chain Above-mentioned Claims Resolution acknowledgement notification is sent in library, has been not only acted as the effect for sending notice to the seller user of transaction platform, can also has been Insurance institution deposits card as data to the settlement of insurance claim fund of second quantity of seller user granting, with that may be present after facilitating Financial disputes forensics process facilitates implementation；Correspondingly, above-mentioned seller client end can be obtained out of block chain distributed data base Get above-mentioned Claims Resolution acknowledgement notification.
Based on the agreement of settlement of insurance claim contract, the practical settlement of insurance claim number obtained of above-mentioned seller user may be ordered with target Single corresponding accounts receivable number differs or buyer user may pay part funds on account, therefore above-mentioned second quantity is logical Often not identical as the first quantity, in other words, above-mentioned second quantity is smaller than above-mentioned first quantity.
This specification does not limit the tool that above-mentioned insurance institution transfers accounts to the Claims Resolution fund that seller user executes the second quantity Body form can be transmitted on the line of seller client end progress fund or fund voucher by insurance institution's node device, such as be existed The transfer that the number of equal value of the settlement of insurance claim gold with the second quantity leads to card (Token) is completed on the block chain；It can also be by under line The settlement of insurance claim golden hair that such as Bank account transfer mode carries out the second quantity is put, etc..Correspondingly, above-mentioned Claims Resolution acknowledgement notification It can also show as the money transfer transactions on block chain or to indicate that bank account loan is transferred accounts the forms such as transaction of notice.
In the present embodiment, the seller user of transaction platform can be directly based upon the account phase payment reached on transaction platform and close Lift settlement of insurance claim application about and on insurance institution's line, insurance institution's node device can obtain audit verifying material directly from line Material (such as first deposits card transaction)；It is grasped under the lines such as material preparation, audit needed for therefore eliminating traditional accounts receivable insurance Claims Resolution The human cost of work, on direct-on-line based on transaction and " one-stop " complete Claims Resolution application, be both that the seller of transaction platform uses Family is provided with funds risk guarantee, and reduces the resource losses such as human cost；To be used in insurance institution, seller user and buyer Good Capital Flow is established between family, optimizes the resource distribution of whole system.
Corresponding with the realization of above-mentioned process, the embodiment of this specification additionally provides the dress of the virtual resource allocation based on block chain 30,40 are set, and the settlement of insurance claim device 50,60 based on block chain.Device 30,40,50,60 can be by software realization, can also It is realized in a manner of through hardware or software and hardware combining.It taking software implementation as an example, is to pass through as the device on logical meaning The CPU (Central Process Unit, central processing unit) of place equipment reads corresponding computer program instructions interior Deposit what middle operation was formed.For hardware view, other than CPU shown in Fig. 7, memory and memory, above-mentioned apparatus institute Equipment also typically include other hardware such as the chip for carrying out wireless signal transmitting-receiving, and/or for realizing network communication Other hardware such as board of function.
As shown in figure 3, this specification additionally provides a kind of virtual resource allocation device 30 based on block chain, it is applied to packet Include transaction platform node device, resource provider node device, resource requirement side's client and resource occupation side's client area Block chain network system, resource occupation side's client are based on obtaining the resource requirement side in the transaction platform node device Client provide target transaction object and established target order；Resource requirement side's client is in the resource provider Node device, which is based on target order foundation, resource allocation contract；Described device 30 is applied to the transaction platform node and sets Standby end, comprising:
Receiving unit 302 delays to shift application for receiving the resource that resource occupation side's client is sent；
Acquiring unit 304, the resource negotiated for obtaining resource requirement side's client and resource occupation side's client Delay to shift contract, the resource delays to shift contract to include that the resource occupation side is based on the target order and occupies described First quantity of resource requirement side's virtual resource and the first time limit；
Transmission unit 306 deposits card transaction for sending first to the block chain, wherein described first deposits card transaction packet Include the resource extension transfer contract deposits card data.
The function of each unit and the realization process of effect are specifically detailed in above-mentioned transaction platform node and set in above-mentioned apparatus 30 The realization process of step is corresponded in the standby performed virtual resource allocation method based on block chain, related place is referring to method reality The part explanation of example is applied, details are not described herein.
As shown in figure 4, this specification additionally provides a kind of virtual resource allocation device 40 based on block chain, it is applied to packet Include transaction platform node device, resource provider node device, resource requirement side's client and resource occupation side's client area Block chain network system, resource occupation side's client are based on obtaining the resource requirement side in the transaction platform node device Client provide target transaction object and established target order；Resource requirement side's client is in the resource provider Node device, which is based on target order foundation, resource allocation contract；Described device 40 is applied to the resource provider node Equipment end, comprising:
Acquiring unit 402, the resource allocation application sent for obtaining resource requirement side's client, and from the area First is obtained in the distributed data base of block chain deposits card transaction；The resource allocation application, which is based on not shifting, to be proved data and gives birth to At described do not shift proves data to prove that the resource occupation Fang Wei is shifted within the first time limit to the resource requirement side The virtual resource of first quantity；Described first, which deposits card transaction, deposits card data including resource extension transfer contract；The resource is prolonged Phase shifts contract and negotiates to generate by resource requirement side's client and resource occupation side's client, and the resource, which delays to shift, closes About include the resource occupation side occupied based on the target order resource requirement side's virtual resource the first quantity and First time limit；
Execution unit 404, for depositing based on described first described in card transaction verification after resource allocation application, to the money Source party in request node device executes the resource allocation logic of the resource allocation contract statement.
The function of each unit and the realization process of effect are specifically detailed in above-mentioned resource provider node in above-mentioned apparatus 40 The realization process of step is corresponded in virtual resource allocation method performed by equipment based on block chain, related place is referring to method The part of embodiment illustrates that details are not described herein.
As shown in figure 5, this specification additionally provides a kind of settlement of insurance claim device 50 based on block chain, it is applied to include handing over Easy platform nodes equipment, insurance institution's node device, the buy-side client end of the transaction platform and seller client end block chain Network system；The buy-side client end is in the transaction platform node device based on the target transaction for obtaining the offer of seller client end Object and established target order；The seller client end is established in insurance institution's node device based on the target order There is settlement of insurance claim contract；Described device 50 is applied to transaction platform node device end, comprising:
Receiving unit 502, the account phase payment application sent for receiving the buy-side client end；
Acquiring unit 504 pays contract for obtaining the account phase that the buy-side client end and the seller client end are negotiated, Account phase payment contract include the buyer based on the target order the first quantity of seller's fund of deferring payment With the first time limit deferred payment；
Transmission unit 506 deposits card transaction for sending first to the block chain, wherein described first deposits card transaction packet Include the account phase payment contract deposits card data.
The function of each unit and the realization process of effect are specifically detailed in above-mentioned transaction platform node and set in above-mentioned apparatus 50 The realization process of step is corresponded in the standby performed settlement of insurance claim method based on block chain, related place is referring to embodiment of the method Part explanation, details are not described herein.
As shown in fig. 6, this specification additionally provides a kind of settlement of insurance claim device 60 based on block chain, it is applied to include handing over Easy platform nodes equipment, insurance institution's node device, the buy-side client end of the transaction platform and seller client end block chain Network system；The buy-side client end is in the transaction platform node device based on the target transaction for obtaining the offer of seller client end Object and established target order；The seller client end is established in insurance institution's node device based on the target order There is settlement of insurance claim contract；Described device 60 is applied to insurance institution's node device end, comprising:
Acquiring unit 602, the settlement of insurance claim application sent for obtaining the seller client end, and from the block chain First is obtained in distributed data base deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and generates, described Non- pay warrant data are to prove the buyer not within the first time limit to the fund of first data of seller payments；It is described First, which deposits card transaction, deposits card data including account phase payment contract；Account phase payment contract is by the buy-side client end and described Seller client end negotiates to generate, and the account phase payment contract includes that the buyer is based on the target order and defers payment described First quantity of seller's fund and the first time limit deferred payment；
Execution unit 604, for after depositing settlement of insurance claim application described in card transaction verification based on described first, Xiang Suoshu to be sold The Claims Resolution operation logic of the statement of settlement of insurance claim contract described in square client executing.
The function of each unit and the realization process of effect are specifically detailed in above-mentioned insurance institution's node and set in above-mentioned apparatus 60 The realization process of step is corresponded in the standby performed settlement of insurance claim method based on block chain, related place is referring to embodiment of the method Part explanation, details are not described herein.
The apparatus embodiments described above are merely exemplary, wherein described, unit can as illustrated by the separation member It is physically separated with being or may not be, component shown as a unit may or may not be physics mould Block, it can it is in one place, or may be distributed on multiple network modules.It can be selected according to the actual needs In some or all of unit or module realize the purpose of this specification scheme.Those of ordinary skill in the art are not paying In the case where creative work, it can understand and implement.
Device that above-described embodiment illustrates, unit, module can specifically be realized, Huo Zheyou by computer chip or entity Product with certain function is realized.A kind of typically to realize that equipment is computer, the concrete form of computer can be a People's computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation It is any several in equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment The combination of kind equipment.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 7 institute Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory Program；Processor executes above-mentioned transaction platform node device in this specification embodiment in the computer program of operation storage Each step of the performed virtual resource allocation method based on block chain.To performed by above-mentioned transaction platform node device The detailed description of each step of virtual resource allocation method based on block chain refer to before content, be not repeated.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 7 institute Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory Program；Processor executes above-mentioned resource provider node in this specification embodiment and sets in the computer program of operation storage Each step of the standby performed virtual resource allocation method based on block chain.Above-mentioned resource provider node device is held The detailed description of each step of the capable virtual resource allocation method based on block chain refer to before content, it is no longer heavy It is multiple.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 7 institute Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory Program；Processor executes above-mentioned transaction platform node device in this specification embodiment in the computer program of operation storage Each step of the performed settlement of insurance claim method based on block chain.To performed by above-mentioned transaction platform node device based on The detailed description of each step of the settlement of insurance claim method of block chain refer to before content, be not repeated.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 7 institute Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory Program；Processor executes above-mentioned insurance institution's node device in this specification embodiment in the computer program of operation storage Each step of the performed settlement of insurance claim method based on block chain.To performed by above-mentioned insurance institution's node device based on The detailed description of each step of the settlement of insurance claim method of block chain refer to before content, be not repeated.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection Within enclosing.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory techniques, CD-ROM are read-only Memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or Other magnetic storage devices or any other non-transmission medium, can be used for storage can be accessed by a computing device information.According to Herein defines, and computer-readable medium does not include temporary computer readable media (transitory media), such as modulation Data-signal and carrier wave.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program Product.Therefore, the embodiment of this specification can be used complete hardware embodiment, complete software embodiment or combine software and hardware side The form of the embodiment in face.Moreover, it wherein includes that computer is available that the embodiment of this specification, which can be used in one or more, It is real in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of program code The form for the computer program product applied.

Claims (25)

1. a kind of virtual resource allocation method based on block chain is applied to include transaction platform node device, resource provider The block chain network system of node device, resource requirement side's client and resource occupation side's client, the resource occupation side visitor Family end is built in the transaction platform node device based on the target transaction object for obtaining resource requirement side's client offer It is vertical to have target order；Resource requirement side's client is established in the resource provider node device based on the target order There is resource allocation contract；The described method includes:
The transaction platform node device receives the resource that resource occupation side's client is sent and delays to shift application；
The transaction platform node device obtains the resource that resource requirement side's client and resource occupation side's client are negotiated Delay to shift contract, the resource delays to shift contract to include that the resource occupation side is based on the target order and occupies described First quantity of resource requirement side's virtual resource and the first time limit；
The transaction platform node device sends first to the block chain and deposits card transaction, wherein described first deposits card transaction packet Include the resource extension transfer contract deposits card data；
The resource provider node device obtains the resource allocation application that resource requirement side's client is sent, and from described Described first is obtained in the distributed data base of block chain deposits card transaction；The resource allocation application is based on not shifting proof data And generate, described do not shift proves data to prove that the resource occupation Fang Wei is needed within first time limit to the resource Shift the virtual resource of first quantity in the side of asking；
It is deposited described in card transaction verification after resource allocation application based on described first, the resource provider node device is to described Resource requirement side's node device executes the resource allocation logic of the resource allocation contract statement.
2. according to the method described in claim 1, the resource allocation logic for executing the resource allocation contract statement includes Resource allocation announcement is sent, the resource allocation announcement is to indicate that the resource provider can be distributed to the resource requirement side The virtual resource of second quantity.
3. according to the method described in claim 1, the resource allocation logic for executing the resource allocation contract statement includes The virtual resource allocation of the second quantity is executed to the resource requirement side.
4. according to the method in claim 2 or 3, second quantity is not more than first quantity.
5. method according to claim 1 or 2 or 3, the transaction platform node device obtains the resource requirement side visitor The Shipping Information based on target object that family end is sent；
Described first to deposit card transaction further include that the Shipping Information deposits card data.
6. method according to claim 1 or 2 or 3, resource occupation side's client is set in the transaction platform node Remarks volume has the authentication information of the resource occupation side；
Described first, which deposits the authentication information that card transaction further includes the resource occupation side, deposits card data.
7. according to the method described in claim 1, the block chain network system further includes judiciary's node device；It is described not Transfer proves that data are sent to the distributed data base of the block chain by judiciary's node device.
8. according to the method described in claim 1, the block chain is alliance's chain, the transaction platform node device and the money Source provider's node device is allied member's node device.
9. a kind of virtual resource allocation method based on block chain is applied to include transaction platform node device, resource provider The block chain network system of node device, resource requirement side's client and resource occupation side's client, the resource occupation side visitor Family end is built in the transaction platform node device based on the target transaction object for obtaining resource requirement side's client offer It is vertical to have target order；Resource requirement side's client is established in the resource provider node device based on the target order There is resource allocation contract；The described method includes:
The transaction platform node device receives the resource that resource occupation side's client is sent and delays to shift application；
The resource that resource requirement side's client and resource occupation side's client are negotiated is obtained to delay to shift contract, the resource Transfer contract of delaying includes that the resource occupation side based on the target order occupies resource requirement side's virtual resource First quantity and the first time limit；
It is deposited to block chain transmission first and demonstrate,proves transaction, wherein described first deposits card transaction closes including resource extension transfer About deposit card data.
10. a kind of virtual resource allocation method based on block chain is applied to include transaction platform node device, resource provider The block chain network system of node device, resource requirement side's client and resource occupation side's client, the resource occupation side visitor Family end is built in the transaction platform node device based on the target transaction object for obtaining resource requirement side's client offer It is vertical to have target order；Resource requirement side's client is established in the resource provider node device based on the target order There is resource allocation contract；The described method includes:
The resource provider node device obtains the resource allocation application that resource requirement side's client is sent, and from described First is obtained in the distributed data base of block chain deposits card transaction；The resource allocation application, which is based on not shifting, to be proved data and gives birth to At described do not shift proves data to prove that the resource occupation Fang Wei is shifted within the first time limit to the resource requirement side The virtual resource of first quantity；Described first, which deposits card transaction, deposits card data including resource extension transfer contract；The resource is prolonged Phase shifts contract and negotiates to generate by resource requirement side's client and resource occupation side's client, and the resource, which delays to shift, closes About include the resource occupation side occupied based on the target order resource requirement side's virtual resource the first quantity and First time limit；
It is deposited described in card transaction verification after resource allocation application based on described first, the resource provider node device is to described Resource requirement side's node device executes the resource allocation logic of the resource allocation contract statement.
11. a kind of settlement of insurance claim method based on block chain is set applied to including transaction platform node device, insurance institution's node The buy-side client end of standby, the described transaction platform and the block chain network system at seller client end；The buy-side client end is described Transaction platform node device has established target order based on the target transaction object for obtaining the offer of seller client end；The seller Client, which is based on target order foundation in insurance institution's node device, settlement of insurance claim contract；The described method includes:
The transaction platform node device receives the account phase payment application that the buy-side client end is sent；
The transaction platform node device obtains the account phase payment contract negotiated in the buy-side client end and the seller client end, Account phase payment contract include the buyer based on the target order the first quantity of seller's fund of deferring payment With the first time limit deferred payment；
The transaction platform node device sends first to the block chain and deposits card transaction, wherein described first deposits card transaction packet Include the account phase payment contract deposits card data；
Insurance institution's node device obtains the settlement of insurance claim application that the seller client end is sent, and from the block chain Described first is obtained in distributed data base deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and generates, The non-pay warrant data are to prove the buyer not within first time limit to first data of seller payments Fund；
After depositing settlement of insurance claim application described in card transaction verification based on described first, insurance institution's node device is sold to described The Claims Resolution operation logic of the statement of settlement of insurance claim contract described in square client executing.
12. according to the method for claim 11, the Claims Resolution operation logic packet for executing the settlement of insurance claim contract statement Transmission Claims Resolution acknowledgement notification is included, the Claims Resolution acknowledgement notification is to indicate that the insurance institution can compensate the second number to the seller The fund of amount.
13. according to the method for claim 11, the Claims Resolution operation logic packet for executing the settlement of insurance claim contract statement It includes and is compensated to the fund that the seller executes the second quantity.
14. method according to claim 12 or 13, second quantity is not more than first quantity.
15. method described in 1 or 12 or 13 according to claim 1, the transaction platform node device obtains the seller client Hold the Shipping Information based on target object sent；
Described first to deposit card transaction further include that the Shipping Information deposits card data.
16. method described in 1 or 12 or 13 according to claim 1, the buy-side client end is in the transaction platform node device Register with the authentication information of the buyer；
Described first, which deposits the authentication information that card transaction further includes the buyer, deposits card data.
17. according to the method for claim 11, the block chain network system further includes judiciary's node device；It is described Non- pay warrant data are sent to the distributed data base of the block chain by judiciary's node device.
18. according to the method for claim 11, the block chain is alliance's chain, the transaction platform node device and described Insurance institution's node device is allied member's node device.
19. a kind of settlement of insurance claim method based on block chain is set applied to including transaction platform node device, insurance institution's node The buy-side client end of standby, the described transaction platform and the block chain network system at seller client end；The buy-side client end is described Transaction platform node device has established target order based on the target transaction object for obtaining the offer of seller client end；The seller Client, which is based on target order foundation in insurance institution's node device, settlement of insurance claim contract；The described method includes:
The transaction platform node device receives the account phase payment application that the buy-side client end is sent；
The account phase payment contract negotiated in the buy-side client end and the seller client end is obtained, the account phase payment contract includes The buyer the first quantity of seller's fund of deferring payment and first time limit deferred payment based on the target order；
First is sent to the block chain and deposits card transaction, wherein it includes account phase payment contract that described first, which deposits card, which trades, Deposit card data.
20. a kind of settlement of insurance claim method based on block chain is set applied to including transaction platform node device, insurance institution's node The buy-side client end of standby, the described transaction platform and the block chain network system at seller client end；The buy-side client end is described Transaction platform node device has established target order based on the target transaction object for obtaining the offer of seller client end；The seller Client, which is based on target order foundation in insurance institution's node device, settlement of insurance claim contract；The described method includes:
Insurance institution's node device obtains the settlement of insurance claim application that the seller client end is sent, and from the block chain First is obtained in distributed data base deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and generates, described Non- pay warrant data are to prove the buyer not within the first time limit to the fund of first data of seller payments；It is described First, which deposits card transaction, deposits card data including account phase payment contract；Account phase payment contract is by the buy-side client end and described Seller client end negotiates to generate, and the account phase payment contract includes that the buyer is based on the target order and defers payment described First quantity of seller's fund and the first time limit deferred payment；
After depositing settlement of insurance claim application described in card transaction verification based on described first, insurance institution's node device is sold to described The Claims Resolution operation logic of the statement of settlement of insurance claim contract described in square client executing.
21. a kind of virtual resource allocation device based on block chain is applied to include transaction platform node device, resource provider The block chain network system of node device, resource requirement side's client and resource occupation side's client, the resource occupation side visitor Family end is built in the transaction platform node device based on the target transaction object for obtaining resource requirement side's client offer It is vertical to have target order；Resource requirement side's client is established in the resource provider node device based on the target order There is resource allocation contract；Described device is applied to transaction platform node device end, comprising:
Receiving unit delays to shift application for receiving the resource that resource occupation side's client is sent；
Acquiring unit delays to shift for obtaining the resource that resource requirement side's client and resource occupation side's client are negotiated Contract, the resource delay to shift contract to include that the resource occupation side is based on the target order and occupies the resource requirement First quantity of square virtual resource and the first time limit；
Transmission unit deposits card transaction for sending first to the block chain, wherein it includes the money that described first, which deposits card, which trades, Extension transfer contract in source deposits card data.
22. a kind of virtual resource allocation device based on block chain is applied to include transaction platform node device, resource provider The block chain network system of node device, resource requirement side's client and resource occupation side's client, the resource occupation side visitor Family end is built in the transaction platform node device based on the target transaction object for obtaining resource requirement side's client offer It is vertical to have target order；Resource requirement side's client is established in the resource provider node device based on the target order There is resource allocation contract；Described device is applied to resource provider node device end, comprising:
Acquiring unit, the resource allocation application sent for obtaining resource requirement side's client, and from the block chain First is obtained in distributed data base deposits card transaction；The resource allocation application, which is based on not shifting, to be proved data and generates, described Not shifting proves data to prove the resource occupation Fang Wei within the first time limit to the first number of resource requirement side transfer The virtual resource of amount；Described first, which deposits card transaction, deposits card data including resource extension transfer contract；The resource delays to shift Contract is negotiated to generate by resource requirement side's client and resource occupation side's client, and the resource delays to shift contract to include The resource occupation side occupies the first quantity and the first phase of resource requirement side's virtual resource based on the target order Limit；
Execution unit, for depositing Xiang Suoshu resource requirement described in card transaction verification after resource allocation application based on described first Square node device executes the resource allocation logic of the resource allocation contract statement.
23. a kind of settlement of insurance claim device based on block chain is set applied to including transaction platform node device, insurance institution's node The buy-side client end of standby, the described transaction platform and the block chain network system at seller client end；The buy-side client end is described Transaction platform node device has established target order based on the target transaction object for obtaining the offer of seller client end；The seller Client, which is based on target order foundation in insurance institution's node device, settlement of insurance claim contract；Described device is applied to Transaction platform node device end, comprising:
Receiving unit, the account phase payment application sent for receiving the buy-side client end；
Acquiring unit pays contract, the account for obtaining the account phase that the buy-side client end and the seller client end are negotiated Phase payment contract include the buyer based on the target order the first quantity and extension of seller's fund of deferring payment First time limit of payment；
Transmission unit deposits card transaction for sending first to the block chain, wherein it includes the account that described first, which deposits card, which trades, Phase payment contract deposits card data.
24. a kind of settlement of insurance claim device based on block chain is set applied to including transaction platform node device, insurance institution's node The buy-side client end of standby, the described transaction platform and the block chain network system at seller client end；The buy-side client end is described Transaction platform node device has established target order based on the target transaction object for obtaining the offer of seller client end；The seller Client, which is based on target order foundation in insurance institution's node device, settlement of insurance claim contract；Described device is applied to Insurance institution's node device end, comprising:
Acquiring unit, the settlement of insurance claim application sent for obtaining the seller client end, and from the distribution of the block chain First is obtained in database deposits card transaction；The settlement of insurance claim application is based on non-pay warrant data and generates, described not pay Prove data to prove the buyer not within the first time limit to the fund of first data of seller payments；Described first deposits Card transaction deposits card data including account phase payment contract；The account phase payment contract is by the buy-side client end and seller visitor Family end negotiates to generate, and the account phase payment contract includes that the buyer is based on the target order and seller's money of deferring payment First quantity of gold and the first time limit deferred payment；
Execution unit, for being deposited described in card transaction verification after settlement of insurance claim application based on described first, Xiang Suoshu seller client End executes the Claims Resolution operation logic of the settlement of insurance claim contract statement.
25. a kind of computer equipment, comprising: memory and processor；Being stored on the memory can be transported by the processor Capable computer program；When the processor runs the computer program, execute such as claim 9 or 10 or 19 or 20 arbitrarily Method described in one.
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