CN110852864B

CN110852864B - Digital resource amount processing method, device and storage medium

Info

Publication number: CN110852864B
Application number: CN201911126070.0A
Authority: CN
Inventors: 蔡弋戈; 秦青; 杨晨
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-11-15
Filing date: 2019-11-15
Publication date: 2023-07-18
Anticipated expiration: 2039-11-15
Also published as: CN110852864A

Abstract

The embodiment of the invention discloses a method and a device for processing digital resource quantity and a storage medium. The processing method of the digital resource amount comprises the following steps: receiving a target digital voucher, the target digital voucher comprising a target digital resource amount; determining a first digital resource amount corresponding to the target digital resource amount according to the time difference; transferring the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generating result information, wherein the result information comprises the target digital resource amount, the first digital resource amount, the terminal identification of the first user terminal and the terminal identification of the target user terminal. By adopting the embodiment of the invention, the first user terminal can carry out financing and posting for the target user terminal according to the time difference, and the reliability of the digital resource quantity can be improved.

Description

Digital resource amount processing method, device and storage medium

Technical Field

The present invention relates to the field of communications technologies, and in particular, to a method and an apparatus for processing digital resource amounts, and a storage medium.

Background

After the suppliers supply the goods to the enterprises, accounts receivable is generated. If the business is temporarily unable to pay the receivables to the provider, the receivables may be delegated to a third party, who generates a digital bond certificate for the provider based on the receivables. The provider may sell the digital credited voucher to a financial institution who pays the financing for the provider, and pays the payable of the corporation to the provider.

At present, how to improve the reliability of the digital resource amount in the financing and posting process of accounts receivable becomes a research hotspot.

Disclosure of Invention

The embodiment of the invention provides a processing method, a device and a storage medium for digital resource quantity, which can enable a first user terminal to conduct financing and posting for a target user terminal according to time difference and can improve the reliability of the digital resource quantity.

In a first aspect, an embodiment of the present invention provides a method for processing a digital resource amount, where the method is applied to a first user terminal, and the method includes:

receiving a target digital voucher, the target digital voucher comprising a target digital resource amount; determining a first digital resource amount corresponding to the target digital resource amount according to the time difference; transferring the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generating result information, wherein the result information comprises the target digital resource amount, the first digital resource amount, the terminal identification of the first user terminal and the terminal identification of the target user terminal.

In the technical scheme, the first user terminal determines the first digital resource amount corresponding to the target digital resource amount according to the time difference, and financing is carried out for the target user terminal according to the target digital resource amount and the first digital resource amount, and the financing method can improve the reliability of the digital resource amount.

In a second aspect, the present invention provides a digital resource amount processing apparatus, which is applied to a first user terminal, the apparatus comprising:

the receiving module is used for receiving a target digital certificate, wherein the target digital certificate comprises a target digital resource amount;

the processing module is used for determining a first digital resource amount corresponding to the target digital resource amount according to the time difference;

the sending module is used for transferring the target digital resource indicated by the target digital resource quantity and the first digital resource indicated by the first digital resource quantity to an associated account of the target user terminal;

the processing module is further used for generating result information, wherein the result information comprises a target digital resource amount, a first digital resource amount, a terminal identifier of the first user terminal and a terminal identifier of the target user terminal;

and the sending module is also used for sending the result information to the first block chain link point equipment so that the first block chain node equipment carries out uplink processing on the result information, and the first block chain node equipment is any block chain node equipment in the block chain network.

In a third aspect, an embodiment of the present invention provides a user terminal applied to a first user terminal, where the user terminal includes a memory, a processor and a communication interface, the memory storing a set of program codes, the processor invoking the program codes stored in the memory for performing the method according to the first aspect.

In a fourth aspect, an embodiment of the present invention provides a computer readable storage medium storing computer program instructions for use by a first user terminal, comprising instructions for executing the program according to the first aspect.

By implementing the embodiment of the invention, after the first user terminal receives the target digital certificate, the first digital resource amount corresponding to the target digital resource amount is determined according to the time difference, and the financing paste is used for the target user terminal according to the target digital resource amount and the first digital resource amount, and the reliability of the digital resource amount can be improved in the financing paste process.

Drawings

In order to more clearly describe the embodiments of the present invention or the technical solutions in the background art, the following description will describe the drawings that are required to be used in the embodiments of the present invention or the background art.

FIG. 1 is a schematic diagram of a digital resource amount processing system according to an embodiment of the present invention;

FIG. 2 is a flow chart of a method for processing digital resource amount according to an embodiment of the present invention;

FIG. 3 is a diagram illustrating a scheme for determining a second digital resource amount according to an embodiment of the present invention;

FIG. 4 is a flow chart of another method for processing digital resource amount according to an embodiment of the present invention;

FIG. 5a is a second digital certificate provided in an embodiment of the present invention;

FIG. 5b is a second digital voucher according to an embodiment of the present invention;

FIG. 5c is a further second digital voucher provided by an embodiment of the present invention;

FIG. 6a is a schematic diagram of a first digital certificate splitting scheme according to an embodiment of the present invention;

FIG. 6b is a schematic diagram of another first digital certificate splitting scheme according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a processing device for digital resource amount according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a user terminal according to an embodiment of the present invention.

Detailed Description

Embodiments of the present invention will be described below with reference to the accompanying drawings in the embodiments of the present invention.

Currently, accounts receivable is generated after the goods are supplied to the enterprise by the suppliers. If the business is temporarily unable to pay the receivables to the provider, the receivables may be delegated to a third party, who generates a digital bond certificate for the provider based on the receivables. The provider may sell the digital credited voucher to a financial institution who pays the financing for the provider, and pays the payable of the corporation to the provider. However, if the provider sells the digital right voucher to the financial institution, the provider cannot be financing posted according to the digital right voucher at the first time due to the self-cause of the financial institution, such as system failure, the reliability of the digital resource amount in the financing posting process is low.

The embodiment of the invention provides a method and a device for processing digital resource quantity and a storage medium device. In the method, a first user terminal receives a target digital voucher, the target digital voucher including a target digital resource amount. And then, the first user terminal determines a first digital resource amount corresponding to the target digital resource amount according to the time difference. And the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generates result information. And finally, the first user terminal sends the result information to the first block chain link point equipment so that the first block chain node equipment carries out uplink processing on the result information. The first user terminal determines a first digital resource amount corresponding to the target digital resource amount according to the current system time and the time difference of receiving the target digital certificate, and transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, so that the reliability of the digital resource amount can be improved.

In the processing process of the digital resource amount, the first user terminal is a financial institution, the target user terminal is a second user terminal or a third user terminal, the second user terminal is a primary supplier, the third user terminal is an N-level supplier, N is an integer, the N-level supplier is a downstream supplier of the primary supplier, the fourth user terminal is an enterprise, and the primary supplier provides goods for the enterprise.

Taking a first user terminal as a financial institution, a second user terminal as a primary provider, a fourth user terminal as an enterprise, a target digital certificate as a first digital certificate, and a target user terminal as a second user terminal as an example. After the primary supplier supplies the goods to the enterprise, the receivables are sent to the enterprise according to the transaction information with the enterprise. If the enterprise confirms that the account is to be received and cannot be paid temporarily, the account is to be received and sent to first block chain node equipment, wherein the first block chain node equipment is any block chain node equipment in a block chain network. The first blockchain node device generates a first digital voucher for the enterprise according to the accounts receivable and sends the first digital voucher to the primary supplier. And the first-level provider sells the first digital certificate to the financial institution for obtaining the accounts receivable, and if the financial institution does not financing the provider at the first time when the first digital certificate is received, the interest generated by the accounts receivable in the first digital certificate in the time difference is determined according to the current system time and the time difference when the first digital certificate is received. The financial institution then pays the receivables and interest to the primary supplier and generates payback information. And finally, the first user terminal sends the payment information to the first block link point equipment so that the first block link point equipment carries out uplink processing on the payment information. When the expiration date included in the first digital voucher expires, the corporation pays the payable and interest bearing the payable during the expiration date to the financial institution. In the blockchain network, the first blockchain node equipment carries out financing and settlement for accounts receivable of the primary supplier, the openness and transparency of the financing process of the accounts receivable are improved, and the financing and settlement of the primary supplier by the financial institution comprises interest generated by the accounts receivable within a time difference, so that the reliability of the payable amount in the financing and settlement can be improved.

The user terminals may include, but are not limited to: smart phones (such as Android phones, iOS phones, etc.), tablet computers, portable personal computers, mobile internet devices (MID for short), etc., and these terminal devices have functions of network communication, etc. The embodiment of the invention is not limited.

Blockchain is a novel application mode of computer technologies such as distributed data storage, consensus mechanism and encryption algorithm, and is essentially a de-centralized database; the blockchain may be composed of a plurality of serial transaction records (also known as blocks) that are cryptographically concatenated and protected from content, and the distributed ledgers concatenated by the blockchain enable multiple parties to effectively record transactions and permanently verify the transactions (non-tamperable).

In order to better understand the processing method, device and storage medium of digital resource amount disclosed in the embodiments of the present invention, the architecture of a system to which the embodiments of the present invention are applicable is first described below.

Referring to fig. 1, fig. 1 is a schematic diagram of an architecture of a digital resource amount processing system according to an embodiment of the invention. As shown in fig. 1, the system is comprised of a blockchain network 101, a first user terminal 102, a second user terminal 103, a third user terminal 104, and a fourth user terminal 105, the blockchain network 101 including a first blockchain node device 1011, a second blockchain node device 1012, and a third blockchain node device 1013. The first, second and third blockchain node devices 1011, 1012 and 1013 are any blockchain node devices in the blockchain network, which may be the same blockchain node device or different blockchain node devices, for example, the first blockchain node device 1011 and the second blockchain node device 1012 are the same blockchain node device or the first blockchain node device 1011 and the third blockchain node device 1013 are the same blockchain node device, which is not limited herein. The first block link point device may verify the target digital certificate, or may perform uplink processing on the result information. The second blockchain node device may generate a second digital voucher based on the first digital voucher and the request information. The third blockchain node device may generate the first digital voucher for the fourth user terminal. The system architecture shown in fig. 1 is for illustration only and is not to be construed as limiting the embodiments of the invention.

Based on the above description, the embodiment of the present invention proposes a flow chart of a method for processing a digital resource amount as shown in fig. 2, where the method for processing a digital resource amount may include S201-S213:

s201: and the second user terminal sends the information to be received to the fourth user terminal.

The second user terminal provides the goods for the fourth user terminal, and after the second user terminal supplies the goods to the fourth user terminal, the second user terminal generates receivable information for the transaction, wherein the receivable information comprises the type of the goods, the quantity of the goods, the transaction time, the accounts receivable payment, the terminal identification of the second user terminal and the like. And the second user terminal sends the receivable information to the fourth user terminal so as to enable the fourth user terminal to confirm the receivable information.

S202: and the fourth user terminal confirms the corresponding received information.

And after receiving the receivable information from the second user terminal, the fourth user terminal confirms the corresponding information according to the trade contract with the second user terminal, wherein the trade contract is commonly confirmed before the second user terminal and the fourth user terminal conduct transaction. And the fourth user terminal corresponds to the confirmation of the information, including confirming whether the content in the information to be received is correct. And if the goods type, the goods quantity, the transaction time, the account to be received and the information in the trade contract stored by the second user terminal and the fourth user terminal are the same, the fourth user terminal confirms the corresponding information successfully.

S203: and if the corresponding information is confirmed successfully, the fourth user terminal sends the receivable information and the trade contract to the third blockchain node device.

If the corresponding information is confirmed successfully, the fourth user terminal sends the trade contract and the information to be received with the second user terminal to the third blockchain node device, so that the third blockchain node device generates a first digital certificate for the fourth user terminal according to the trade contract and the information to be received, the third blockchain node device is any blockchain node device in the blockchain network, and the third blockchain node device can be the blockchain node device with the best communication quality with the fourth user terminal or the shortest communication distance with the fourth user terminal.

S204: the third blockchain node device generates a first digital voucher for the fourth user terminal according to the trade contract and the receipt information.

In one implementation, the third blockchain node device verifies the trade contract before generating the first digital certificate for the fourth user terminal according to the trade contract and the receivable information, and verifies the corresponding information according to the trade contract if the trade contract is verified, thereby verifying the authenticity of the receivable information. If the chapter, the identification number, etc. in the trade contract are actually present, which indicates that the trade contract is actually present, the third blockchain node device checks the trade contract. And after the third blockchain node equipment passes the trade contract verification, verifying the corresponding information according to the trade contract, and if the content in the corresponding information is the same as the content in the trade contract, passing the corresponding information verification.

In one implementation, if the corresponding information verification is successful, the third blockchain node device performs an audit on the credit rating of the fourth user terminal, where the credit rating audit includes auditing a repayment capability, a bank lending number, an on-time repayment number, and the like of the fourth user terminal. The second blockchain node device obtains the credit rating of the fourth user terminal according to the credit auditing result of the fourth user terminal, the credit rating of the fourth user terminal can be expressed by letters, such as A level, B level, C level or D level, the A level is the highest credit rating of the fourth user terminal, the B level, C level or D level is the highest credit rating, or the credit rating of the fourth user terminal can be expressed by percentages, such as 100%, 90% or 80% and the like, and the credit rating of 100% is the highest.

After the third blockchain node device obtains the credit rating of the fourth user terminal through the credit rating examination of the fourth user terminal, a first digital certificate is generated for the fourth user terminal according to the credit rating of the fourth user terminal and accounts receivable in the accounts receivable information, the first digital certificate comprises a second digital resource amount, and the second digital resource amount is determined according to the credit rating of the fourth user terminal and the accounts receivable in the accounts receivable information.

The determining scheme of the second digital resource amount included in the first digital voucher is determined by all the blockchain node devices in the blockchain network in advance, for example, the credit level of the fourth user terminal is indicated by letters, the determining scheme of the second digital resource amount is shown in fig. 3, it can be seen from the figure that if the credit level of the fourth user terminal obtained by the third blockchain node device is level B, the second digital resource amount is determined to be 80% of accounts receivable included in the receivable information, that is, the second digital resource amount is determined to be 80% of accounts receivable amount, for example, accounts receivable is 200 ten thousand yuan, the second digital resource amount is 80% of 200 ten thousand yuan, that is, 160 ten thousand yuan, that is, the third blockchain node device determines to be 160 ten thousand yuan for the fourth user terminal, so that the third blockchain node device generates the first digital voucher, and the second digital resource amount included in the first digital voucher is 160 ten thousand yuan. If the credit rating of the fourth user terminal obtained by the third blockchain node device is E-level, the second digital resource amount is 0, that is, the third blockchain node device determines that financing is not performed for the fourth user terminal and does not generate the first digital certificate.

In one implementation, after the fourth blockchain node device generates the first digital certificate, the first digital certificate is subjected to uplink processing to generate a first block containing the first digital certificate, so that the first digital certificate is subjected to distributed data storage on the third blockchain node device in the form of the first block, is not easy to tamper, and provides evidence for subsequent queries. After the fourth blockchain node device generates the first block, the first block is broadcast to each blockchain node device in the blockchain network, so that each blockchain node device stores the first block, and when the subsequent blockchain node device verifies the first digital certificate, the verification can be performed according to the locally stored first block.

S205: the second user terminal receives the first digital certificate sent by the third blockchain node device.

After the third blockchain node device generates the first digital certificate for the fourth user terminal, the first digital certificate is sent to the second user terminal, the second user terminal receives the first digital certificate sent by the third blockchain node device, and the third blockchain node device is used for completely or partially converting the accounts receivable of the fourth user terminal to the second user terminal into the first digital certificate, and the second user terminal has the first digital certificate of the fourth user terminal.

S206: the first user terminal receives the target digital certificate sent by the second user terminal.

Specifically, after receiving the first digital certificate from the third blockchain node device, the second user terminal sells the first digital certificate to the first user terminal in order to obtain a second digital resource indicated by a second digital resource amount included in the first digital certificate. Thus, the first user terminal receives the target digital certificate sent by the second user terminal, and the target digital certificate is the first digital certificate.

S207: the first user terminal sends the target digital voucher to the first block link point device.

In order to verify the authenticity and reliability of the target digital certificate, the first user terminal sends the target digital certificate to the first block link point device after receiving the target digital certificate, so that the first block link point device verifies the target digital certificate, the target digital certificate is the first digital certificate, and the first block link point device is the block link point device with the best communication quality with the first user terminal or the shortest communication distance with the first user terminal.

S208: and the first block link point equipment checks the target digital certificate and generates first notification information according to a checking result.

The first block link point device verifies the target digital certificate, i.e., the first digital certificate. After the first block link point device checks the target digital certificate, first notification information is generated, wherein the first notification information comprises a checking result of the target digital certificate, and the checking result can be passing or failing.

In one implementation, the verification of the target digital certificate by the first block link point device includes verification of the sender identity of the target digital certificate, i.e., verification of the identity of the first user terminal. If the sender of the target digital certificate is the first user terminal, the first block link point device checks the target digital certificate.

In one implementation, the verification of the target digital certificate by the first blockchain node device further includes verifying the authenticity of the target digital certificate, and the first blockchain node device queries whether the locally stored block contains the target digital certificate, i.e., the first blockchain node device queries whether the locally stored block contains the first digital certificate. If the first block is locally stored in the first block link point device, the first block includes a first digital certificate, and the first block link point device checks the first digital certificate, that is, checks the target digital certificate.

In one implementation, after the first block link point device verifies the target digital certificate, the target digital certificate is sent to each block link point device in the block chain network, so that each block link point device verifies the target digital certificate, namely, the first digital certificate. After each block chain node device verifies the target digital certificate, a verification response is sent to the first block chain node device, and the verification response comprises a verification result of the target digital certificate, wherein the verification result can be verification passing or not. When the verification result in the verification response is that the passing number is larger than a preset threshold value, the first block link point device determines that the target digital certificate passes verification.

S209: the first user terminal receives first notification information sent by the first blockchain node device.

The first blockchain node equipment sends first notification information aiming at the target digital certificate to the first user terminal, the first user terminal receives the first notification information from the first blockchain node equipment, and the first user terminal judges whether the target digital certificate really exists or not through a verification result in the first notification information.

S210: if the verification result included in the first notification information is that verification is passed, the first user terminal determines a first digital resource amount corresponding to the target digital resource amount included in the target digital certificate according to the time difference.

Specifically, the first user terminal judges whether the first blockchain node device passes the verification of the target digital certificate, if the verification result included in the first notification information is that the verification passes, the first user terminal determines a first digital resource amount corresponding to a target digital resource amount included in the target digital certificate according to the time difference, namely determines a first digital resource amount corresponding to a second digital resource amount included in the first digital certificate.

After the first user terminal receives the target digital certificate, the first user terminal does not carry out financing according to the target digital certificate at the first time due to the objective reasons such as system failure or busy staff, so that the time for financing by the first user terminal and the time for receiving the target digital certificate are different, and the first user terminal needs to determine interest generated by the target digital resource amount included in the target digital certificate within the time difference, namely the first digital resource amount. Specifically, the first user terminal determines the current system time and the time of the received target digital certificate, and determines the time difference according to the two times. For example, the current system time of the first user terminal is No. 16 in 10 months in 2019, and the time when the first user terminal receives the target digital certificate is No. 12 in 10 months in 2019, then the first user terminal determines that the time difference is 4 days. And the first user terminal determines a first digital resource amount corresponding to the target digital resource amount included in the target digital certificate according to the time difference and the first scale coefficient, namely, determines a first digital resource amount corresponding to the second digital resource amount included in the first digital certificate. The first scaling factor is set by the second user terminal before sending the target digital certificate to the first user terminal, and the second digital resource amount is the product of the target digital resource amount, the time difference and the first target scaling factor corresponding to the first scaling factor. For example, as shown in S204, the second digital resource amount included in the first digital certificate is 160 ten thousand yuan, the first scale coefficient set by the second user terminal is 3%, the first scale coefficient is annual rate, the first target scale coefficient corresponding to the first scale coefficient is 3%/365 and is equal to 0.00822%, the first target scale coefficient is daily rate corresponding to the target digital resource, and the first digital resource amount corresponding to the target digital resource amount is: 160 ten thousand yuan 4 x 0.00822 ", equal to 526.08 yuan, the first digital resource amount is 526.08 yuan.

S211: the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generates result information.

The target digital voucher is the first digital voucher, so the target digital resource amount is the second digital resource amount. The first digital certificate is sent to the first user terminal for the second user terminal, so the target user terminal is the second user terminal. The first user terminal transfers the second digital resource indicated by the second digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the second user terminal, that is, the first user terminal pays the financing cash to the second user terminal, and pays the receivables for the fourth user terminal. For example, as shown in S204 and S210, the second digital resource amount and the first digital resource amount are 160 ten thousand yuan, and the first digital resource amount is 526.08 yuan, and the first user terminal transfers the digital resources indicated by 160 ten thousand yuan and 526.08 yuan to the associated account of the second user terminal, that is, transfers 1600526.08 yuan to the associated account of the second user terminal.

After the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to the associated account of the target user terminal, result information is generated, wherein the result information comprises the target digital resource amount, the first digital resource amount, the terminal identification of the first user terminal and the terminal identification of the target user terminal, namely the result information comprises a payment substitute result of the first user terminal for the second user terminal.

S212: the first user terminal sends the result information to the first block link point device.

The first user terminal sends the result information to the first block chain node equipment so that the first block chain node equipment carries out uplink processing on the result information to generate a second block, and the second block is broadcast to all block chain node equipment in a block chain network so that all block chain node equipment stores the second block, and the result information is stored in all block chain node equipment in the form of blocks, so that the result information is not easy to tamper and can be checked at any time.

S213: the first user terminal receives a fourth digital resource indicated by a fourth digital resource amount sent by a fourth user terminal.

The target digital voucher also includes a validity period during which the target digital voucher is valid. When the target digital certificate reaches the validity period, the fourth user terminal transfers the fourth digital resource indicated by the fourth digital resource amount to the account associated with the first user terminal, namely the first user terminal receives the fourth digital resource indicated by the fourth digital resource amount sent by the fourth user terminal. The fourth digital resource amount comprises a target digital resource amount and a fifth digital resource amount, the target digital credential is a first digital credential, the target digital resource amount is a second digital resource amount, the fifth digital resource amount is determined by the fourth user terminal according to the target digital resource amount, the effective period and the second proportionality coefficient are set by the fourth user terminal, and the fifth digital resource amount is the product of the target digital resource amount, the effective period and the second target proportionality coefficient corresponding to the second proportionality coefficient. For example, as shown in S204, the second digital resource amount included in the first digital certificate is 160 ten thousand yuan, the validity period of the first digital certificate set by the fourth user terminal is 2019, 10 month 16 th to 2019, 12 month 16 th, the time of the validity period is 2 months, the second scaling factor is 3.4%, the second scaling factor is annual rate, the second target scaling factor corresponding to the second scaling factor is 3.4%/12 and is equal to 0.28%, the second target scaling factor is monthly rate corresponding to the target digital resource amount, and the fifth digital resource amount is: 160 ten thousand x 2 x 0.28%, the fifth digital resource amount is 8960 yuan, the fourth digital resource amount is 1608960 yuan, and the first user terminal receives the digital resource indicated by 1608960 yuan sent by the fourth user terminal.

In the embodiment of the invention, the third blockchain node equipment in the blockchain network generates the first digital certificate for the fourth user terminal according to the trade contract and the receipt information, thereby realizing the financing of the receipt payment and making the financing process of the receipt payment public and transparent. Meanwhile, after the second user terminal sells the target digital certificate (namely the first digital certificate) to the first user terminal, the second user terminal determines a first digital resource amount corresponding to the target digital resource amount (namely the second digital resource amount) according to the time difference, and financing is carried out for the second user terminal according to the target digital resource amount and the first digital resource amount, so that the reliability of the digital resource amount is improved.

Referring to fig. 4, fig. 4 is a flowchart illustrating another method for processing digital resource amount according to an embodiment of the present invention, which includes but is not limited to S401-S420.

S401: and the second user terminal sends the information to be received to the fourth user terminal.

S402: and the fourth user terminal confirms the corresponding received information.

S403: and if the corresponding information is confirmed successfully, the fourth user terminal sends the receivable information and the trade contract to the third blockchain node device.

S404: the third blockchain node device generates a first digital voucher for the fourth user terminal according to the trade contract and the receipt information.

S405: the second user terminal receives the first digital certificate sent by the third blockchain node device.

The steps S401 to S405 in the embodiment of the present application may be specifically referred to the execution process of the steps S201 to S205 in the above embodiment, and the embodiments of the present invention are not repeated.

S406: the second user terminal generates request information according to the transaction information with the third user terminal.

After the second user terminal obtains the first digital certificate, the first digital certificate is owned by the second user terminal. The third user terminal supplies goods for the second user terminal, so that the second user terminal can split the first digital certificate into at least two second digital certificates according to the transaction information of the third user terminal, and each second digital certificate is transferred to the corresponding third user terminal. If the first digital certificate is split by the second user terminal, there is a possibility that the second user terminal tampers with the first digital certificate content, so the second user terminal only generates request information, and the request information is used for requesting blockchain node equipment in the blockchain network to generate the second digital certificate according to the first digital certificate. The request information comprises the number of the second digital certificates, the terminal identifications of the second user terminals, the terminal identifications of each third user terminal and the third digital resource amount contained in the second digital certificate corresponding to each terminal identification, and the sum of the third digital resource amounts is equal to or smaller than the second digital resource amount.

For example, as shown in S304, the first digital certificate generated by the second user terminal is 160 ten thousand yuan, the request information generated by the second user terminal includes three second digital certificates, the second user terminal is identified as a terminal identifier a, the third user terminal is identified as a terminal identifier a, a terminal identifier B and a terminal identifier C, the third digital resource amount corresponding to the terminal identifier a is 22 ten thousand yuan, the third digital resource amount corresponding to the terminal identifier B is 35 ten thousand yuan, the third digital resource amount corresponding to the terminal identifier C is 10 ten thousand yuan, the sum of the three third digital resource amounts is 67 ten thousand yuan, and the total third digital resource amount is smaller than the second digital resource amount.

In one implementation, if the second user terminal forwards the first digital certificate to only one third user terminal, the second user terminal need not generate the request information.

S407: the second blockchain node device receives the first digital certificate and the request information sent by the second user terminal.

After the second user terminal generates the request information, the first digital certificate and the request information are sent to the second block chain node equipment, and the second block chain node equipment receives the first digital certificate and the request information.

In one implementation, if the second user terminal forwards the first digital voucher to only one third user terminal, the second user terminal does not need to send the first digital voucher to the second blockchain node device.

S408: the second blockchain node device generates a second digital voucher according to the first digital voucher and the request information.

Specifically, after receiving the first digital certificate and the request information, the second blockchain node device firstly checks the first digital certificate, and then generates a second digital certificate according to the request information if the first digital certificate is checked successfully. The verification of the first digital certificate by the second blockchain node device comprises verifying the identity of the sending of the first digital certificate, namely verifying the identity of the second user terminal, and if the identity of the sender of the first digital certificate is the second user terminal, verifying the first digital certificate. The verification of the first digital certificate by the second blockchain node device further comprises verifying the authenticity of the first digital certificate, and if the first block is locally stored in the second blockchain node device, the first block comprises the first digital certificate, the verification of the first digital certificate is passed.

If the second block link point equipment successfully checks the first digital certificate, generating at least two second digital certificates for the second user terminal according to the first digital certificate and the request information, wherein the second digital certificates comprise a third digital resource amount, a terminal identifier of the second user terminal and a terminal identifier of the third user terminal. For example, as shown in S406, the request information generated by the second user terminal includes three second digital certificates, the second user terminal is identified as a terminal identifier a, the third user terminal is identified as a terminal identifier a, a terminal identifier B, and a terminal identifier C, the third digital resource amount corresponding to the terminal identifier a is 22 ten thousand yuan, the third digital resource amount corresponding to the terminal identifier B is 35 ten thousand yuan, the third digital resource amount corresponding to the terminal identifier C is 10 ten thousand yuan, and then the second digital certificate generated by the second blockchain node device includes a second digital certificate 1, a second digital certificate 2, and a second digital certificate 3 as shown in fig. 5a, 5B, and 5C.

In one implementation, after the second blockchain node device generates the second digital certificate, the second digital certificate is subjected to uplink processing to obtain a third block, so that the second digital certificate is stored in the second blockchain node device in a block mode. After the second blockchain node device generates the third block, broadcasting the third block to each blockchain node device in the blockchain network so that each blockchain node device stores the third block.

In one implementation, the second blockchain node device need not generate the second digital voucher if the second user terminal forwards the first digital voucher to only one third user terminal.

S409: the third blockchain node device sends the second digital certificate to the second user terminal.

S410: the second user terminal sends the second digital certificate to the third user terminal.

Specifically, the second user terminal sends each second digital certificate to the corresponding third user terminal according to the request information, that is, the second user terminal splits the first digital certificate and forwards the split stream to each third user terminal. If the second digital certificate is shown in S408, as shown in fig. 6a, the second user terminal a sends the second digital certificate 1 to the third user terminal a, sends the second digital certificate 2 to the third user terminal B, and sends the second digital certificate 3 to the third user terminal C, i.e. the second user terminal a sends three second digital certificates to the third user terminal a, the third user terminal B and the third user terminal C.

In one implementation, if the second user terminal forwards the first digital voucher to only one third user terminal, the second user terminal directly sends the first digital voucher to one third user terminal. As shown in fig. 6b, the second user terminal a sends the first digital certificate to the third user terminal D.

S411: the first user terminal receives the target digital certificate sent by the third user terminal.

In one implementation, the target digital certificate is a second digital certificate, and after each third user terminal receives the second digital certificate, each second digital certificate is sent to the first user terminal to obtain a third digital resource indicated by each third digital resource amount.

In one implementation, if the second user terminal directly transfers the first digital certificate to a third user terminal, the first user terminal receives the target digital certificate sent by the third user terminal as the first digital certificate.

In one implementation, before the third user terminal sends the second digital voucher to the first user terminal, the second digital voucher is sent to the fourth blockchain node device, so that the fourth blockchain node device verifies the second digital voucher, and the fourth blockchain node device verifies the authenticity of the second digital voucher and whether the second digital voucher is owned by the second user terminal. The fourth blockchain node device is the blockchain node device with the best communication quality with the third user terminal or the closest communication distance with the third user terminal, and belongs to the blockchain network. If the third block is stored locally in the fourth block link point device, the third block includes the second digital certificate, indicating that the second digital certificate is actually present. And if the second terminal identifier included in the second digital certificate in the third block is the same as the terminal identifier of the second terminal of the received second digital certificate, indicating that the second digital certificate is owned by the second user terminal. And if the third user terminal receives the verification result from the fourth blockchain node device, and the verification result is that the verification result passes, each third user terminal sends each second digital certificate to the first user terminal.

S412: the first user terminal sends the target digital voucher to the first block link point device.

S413: and the first block link point equipment checks the target digital certificate and generates first notification information according to a checking result.

S414: the first user terminal receives first notification information sent by the first blockchain node device.

The steps S412 to S414 in the embodiment of the present application may be specifically referred to the execution process of the steps S207 to S209 in the above embodiment, and the embodiment of the present invention is not repeated.

S415: if the verification result included in the first notification information is that verification is passed, the first user terminal determines a first digital resource amount corresponding to the target digital resource amount included in the target digital certificate according to the time difference.

In one implementation, the target digital certificate is a second digital certificate, and if the verification result included in the first notification information is that verification is passed, the first user terminal determines, according to the time difference, a first digital resource amount corresponding to a third digital resource amount included in the second digital certificate.

In one implementation, if the target digital certificate is a first digital certificate, the first user terminal determines, according to the time difference, a first digital resource amount corresponding to a second digital resource amount included in the first digital certificate.

The specific step of determining, by the first user terminal, the first digital resource amount corresponding to the target digital resource amount included in the target digital certificate according to the time difference is shown in S210, and will not be described herein.

S416: the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generates result information.

In one implementation, the target digital credential is a second digital credential, the target digital resource amount is a third digital resource amount, and the target user terminal is a third user terminal, and then the first user terminal transfers the third digital resource indicated by the third digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the third user terminal, pays the third user terminal for financing and posting, and pays the receivables for the fourth user terminal. After the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to the associated account of the target user terminal, result information is generated, wherein the result information comprises a third digital resource amount, the first digital resource amount, a terminal identifier of the third user terminal and a terminal identifier of the first user terminal, namely a payment result of the first user terminal for the fourth user terminal. The result information also includes indication information for the first blockchain node device to destroy the second digital voucher in case the second user terminal or the third user terminal or the first user terminal or the third party continues to use the second digital voucher. After the first blockchain node equipment destroys the second digital certificate, the destruction information is broadcast to other blockchain node equipment, so that each blockchain node equipment destroys the second digital certificate.

In one implementation, the target digital credential is a first digital credential, the target digital resource amount is a second digital resource amount, and the target user terminal is a second user terminal, and then the first user terminal transfers the second digital resource indicated by the second digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the second user terminal, financing and posting are performed on the second user terminal, accounts receivable accounts are paid for a fourth user terminal, and the generated result information does not include indication information.

S417: the first user terminal sends the result information to the first block link point device.

And the first user terminal sends the result information to the first block chain link point device so that the first block chain node device can carry out uplink processing on the result information, and the result information can be stored in a distributed data manner in a block chain mode, so that the result information is not easy to tamper and can be checked at any time.

S418: the first user terminal receives a fourth resource indicated by a fourth resource amount sent by a fourth user terminal.

In this embodiment, the step S418 may be specifically referred to the execution process of the step S213 in the above embodiment, which is not described in detail herein.

S419: the first user terminal generates second notification information and sends the second notification information to the first block link point device.

The first user terminal receives the fourth digital resource amount from the fourth user terminal, which means that the fourth user terminal returns the target digital resource amount paid by the first user terminal to the first user terminal, so that the first user terminal generates second notification information and sends the second notification information to the first block link point device. The second notification information is used for notifying the fourth user terminal to further give the target digital resource amount to the first user terminal according to the target digital certificate, so that the first blockchain node equipment destroys the target digital certificate.

S420: the first blockchain node device destroys the first digital voucher.

The first blockchain node device receives second notification information indicating that the fourth user terminal has returned the target digital resource amount to the first user terminal according to the target digital voucher, and the first digital voucher has been disabled. Thus, the first blockchain node device destroys the first digital voucher.

In one implementation, after the first blockchain node device destroys the first digital certificate, the destroying result of the first digital certificate is broadcast to each blockchain node device in the blockchain network, so that each blockchain node device destroys the locally stored first block comprising the first digital certificate, and the first digital certificate can be destroyed in each blockchain node device, so that the first digital certificate is invalid and cannot be used by a third party continuously.

In the embodiment of the invention, the second user terminal directly or after splitting the first digital certificate according to the transaction information with the third user terminal, the first digital certificate is transferred to one or at least two third user terminals, the third user terminal then sells the target digital certificate to the first user terminal, the first user terminal carries out financing and cash registering on the third user terminal, and the process transfers the credit grade of the fourth user terminal to the third user terminal. Meanwhile, after the first user terminal carries out financing and cash registering on the third user terminal, the notification information sent to the first blockchain node device also comprises indication information, and the indication information is used for indicating the first blockchain node device to destroy the second digital certificate, so that the security of the second digital certificate can be improved, and the third party is prevented from using the second digital certificate for multiple times.

Referring to fig. 7, fig. 7 is a schematic structural diagram of a digital resource amount processing apparatus provided in an embodiment of the present invention, where the digital resource amount processing apparatus may be disposed in a first user terminal, and the digital resource amount processing apparatus 70 may include:

a receiving module 701, configured to receive a target digital certificate, where the target digital certificate includes a target digital resource amount;

A processing module 702, configured to determine a first digital resource amount corresponding to the target digital resource amount according to the time difference;

a sending module 703, configured to transfer the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal;

the processing module 702 is further configured to generate result information, where the result information includes a target digital resource amount, a first digital resource amount, a terminal identifier of the first user terminal, and a terminal identifier of the target user terminal;

the sending module 703 is further configured to send the result information to a first blockchain node device, so that the first blockchain node device performs uplink processing on the result information, where the first blockchain node device is any blockchain node device in the blockchain network.

In one implementation, the target digital credential received by the receiving module 701 is a first digital credential, the target digital resource amount is a second digital resource amount, and the target user terminal is a second user terminal or a third user terminal, where the first digital credential is sent by the second user terminal or forwarded by the second user terminal through the third user terminal.

In one implementation, the target digital credential received by the receiving module 701 is a second digital credential, the target digital resource amount is a third digital resource amount, and the target user terminal is a third user terminal;

The receiving module 701 is further configured to receive a second digital certificate sent by the third user terminal, where the second digital certificate is received by the third user terminal from the second user terminal, and the third digital resource amount is smaller than the second digital resource amount.

In one implementation, the second digital credential received by the receiving module 701 is generated by the second blockchain node device according to the request information of the second user terminal and the first digital credential, where the request information includes the number of the second digital credential, the terminal identifiers of the second user terminal, the terminal identifiers of the plurality of third user terminals, and the third digital resource amount included in the second digital credential corresponding to the terminal identifier of each third user terminal, and the second blockchain node device belongs to the blockchain network.

In one implementation, the result information generated by the processing module 702 further includes indication information, where the indication information is used to instruct the first block link point device to destroy the second digital certificate.

In one implementation, after the receiving module 701 receives the target digital certificate, the sending module 703 is further configured to send the target digital certificate to the first block link point device, so that the first block link point device verifies the target digital certificate;

The receiving module 701 is further configured to receive first notification information sent by the first blockchain node device, where the first notification information includes a verification result of the first blockchain node device on the target digital credential;

if the verification result is that the verification is passed, the processor 702 triggers and executes the step of determining the first digital resource amount corresponding to the target digital resource amount according to the time difference.

In one implementation, the target digital certificate received by the receiving module 701 further includes a validity period, and the processor 702 is further configured to compare the current system time with the validity period;

when the current system time is earlier than the validity period, the processor 702 triggers the step of determining a first digital resource amount corresponding to the target digital resource amount according to the time difference.

In one implementation, the processor 702 is further configured to determine a time difference based on the current system time and the time of receipt of the target digital certificate;

the processor 702 is further configured to determine a first digital resource amount corresponding to the target digital resource amount according to the time difference and a first scaling factor, where the first scaling factor is set by the second user terminal.

In one implementation, after the sending module 703 sends the result information to the first blockchain node device, the receiving module 701 is further configured to receive a fourth digital resource indicated by a fourth digital resource amount sent by the fourth user terminal when the processor 702 determines that the target digital credential reaches the validity period, where the fourth digital resource amount includes the target digital resource amount and a fifth digital resource amount, where the fifth digital resource amount is determined by the fourth user terminal according to the target digital resource amount, the validity period, and the second scaling factor, and the validity period and the second scaling factor are set by the fourth user terminal.

In one implementation, after the receiving module 701 receives the fourth digital resource amount sent by the fourth user terminal, the processing module 702 is further configured to generate second notification information;

the sending module 703 is further configured to send second notification information to the first blockchain node device, so that the first blockchain node device destroys the first digital certificate.

The specific implementation of each module included in the digital resource amount processing device according to the embodiment of the present invention may refer to descriptions of related content in the foregoing embodiments, which are not described herein, and each module in the digital resource amount processing device shown in fig. 7 may be combined into one or several other modules separately or entirely, or some (some) of the modules may be further split into a plurality of modules with smaller functions to form a plurality of modules, which may implement the same operation without affecting the implementation of the technical effects of the embodiments of the present application. The above modules are divided based on logic functions, and in practical application, the functions of one module may be implemented by a plurality of modules, or the functions of a plurality of modules may be implemented by one module. In other embodiments of the present application, other modules may be included, and in practical applications, these functions may be implemented with assistance of other modules, and may be implemented by cooperation of multiple modules, which is not limited in this application.

Referring to fig. 8, fig. 8 is a schematic structural diagram of a user terminal according to an embodiment of the present invention, where the user terminal 80 may be applied to a first user terminal, and the user terminal 80 includes a processor 801, a memory 802, and a communication interface 803, where the processor 801, the memory 802, and the communication interface 803 are connected through one or more communication buses.

The processor 801 is configured to support the user terminal in performing the corresponding functions of the first user terminal in the embodiments shown in fig. 2 and 4. The processor 801 may be a central processing unit (central processing unit, CPU), a network processor (network processor, NP), a hardware chip or any combination thereof.

The memory 802 is used for storing program codes and the like. The memory 802 may include volatile memory (RAM), such as random access memory (random access memory); the memory 802 may also include a non-volatile memory (non-volatile memory), such as a read-only memory (ROM), a flash memory (flash memory), a hard disk (HDD) or a Solid State Drive (SSD); memory 802 may also include combinations of the above types of memory.

The communication interface 803 is used to receive and transmit data, e.g., the communication interface 803 is used to receive a target digital voucher, or the communication interface 803 is used to transfer a target digital resource indicated by a target digital resource amount and a first digital resource indicated by a first digital resource amount into an associated account of a target user terminal.

In the embodiment of the present invention, the user terminal 80 includes a plurality of communication interfaces, wherein the communication interface for transmitting data and the communication interface for receiving data may not be the same communication interface.

The processor 801 may call program code stored in the memory 802 to perform the following operations:

the communication interface 803 receives a target digital voucher, the target digital voucher comprising a target digital resource amount;

the processor 801 determines a first digital resource amount corresponding to the target digital resource amount according to the time difference;

the communication interface 803 transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount into an associated account of the target user terminal;

the processor 801 generates result information including a target digital resource amount, a first digital resource amount, a terminal identification of the first user terminal, and a terminal identification of the target user terminal;

The processor 801 sends the result information to the first blockchain node device through the communication interface 803 to cause the first blockchain node device to perform uplink processing on the result information, where the first blockchain node device is any blockchain node device in the blockchain network.

In one implementation, the target digital credential received by the communication interface 803 is a first digital credential, the target digital resource amount is a second digital resource amount, and the target user terminal is a second user terminal or a third user terminal, where the first digital credential is sent by the second user terminal or forwarded by the second user terminal through the third user terminal.

In one implementation, the target digital credential received by the communication interface 803 is the second digital credential, the target digital resource amount is the third digital resource amount, and the target user terminal is the third user terminal;

the communication interface 803 receives a target digital certificate, including: the communication interface 803 receives a second digital certificate sent by the third user terminal, the second digital certificate being received by the third user terminal from the second user terminal, the third amount of digital resources being less than the second amount of digital resources.

In one implementation, the second digital credential received by the communication interface 803 is generated by the second blockchain node device according to the request information of the second user terminal and the first digital credential, where the request information includes the number of the second digital credentials, the terminal identifiers of the second user terminal, the terminal identifiers of the plurality of third user terminals, and the third digital resource amount included in the second digital credential corresponding to the terminal identifier of each third user terminal, and the second blockchain node device belongs to the blockchain network.

In one implementation, the result information generated by the processor 801 further includes indication information, where the indication information is used to instruct the first block link point device to destroy the second digital certificate.

In one implementation, after the communication interface 803 receives the target digital certificate, the following operations may also be performed:

the communication interface 803 sends the target digital certificate to the first block link point device, so that the first block link point device verifies the target digital certificate;

the communication interface 803 receives first notification information sent by the first blockchain node device, where the first notification information includes a verification result of the target digital certificate by the first blockchain node device;

if the verification result is that the verification is passed, the processor 801 triggers the execution of a step of determining a first digital resource amount corresponding to the target digital resource amount according to the time difference.

In one implementation, the target digital certificate received by the communication interface 803 further includes a validity period, and before the processor 801 determines the first digital resource amount corresponding to the target digital resource amount according to the time difference, the following operations may be further performed:

the processor 801 compares the current system time to the expiration date;

when the processor 801 determines that the current system time is earlier than the expiration date, the processor 801 triggers execution of the step of determining a first amount of digital resources corresponding to the target amount of digital resources based on the time difference.

In one implementation, the processor 801 determines, according to the time difference, a first digital resource amount corresponding to the target digital resource amount, and specifically performs the following operations:

processor 801 determines a time difference based on the current system time and the time at which the target digital voucher was received;

the processor 801 determines a first digital resource amount corresponding to the target digital resource amount according to the time difference and a first scaling factor set by the second user terminal.

In one implementation, after the communication interface 803 sends the result information to the first blockchain node device, the following operations may also be performed:

when the processor 801 determines that the target digital certificate reaches the validity period, the processor 801 receives, through the communication interface 803, a fourth digital resource indicated by a fourth digital resource amount sent by the fourth user terminal, the fourth digital resource amount including a target digital resource amount and a fifth digital resource amount, the fifth digital resource amount being determined by the fourth user terminal according to the target digital resource amount, the validity period, and the second scaling factor, the validity period and the second scaling factor being set by the fourth user terminal.

In one implementation, after the communication interface 803 receives the fourth digital resource amount sent by the fourth user terminal, the following operations may also be performed:

The processor 801 generates second notification information;

the processor 801 sends second notification information to the first blockchain node device through the communication interface 803 to cause the first blockchain node device to destroy the first digital voucher.

Embodiments of the present invention also provide a computer readable storage medium that may be used to store computer software instructions for a first user terminal in the embodiments shown in fig. 2 and 4, where the computer software instructions include a program configured to execute the program designed for the first user terminal in the embodiments described above.

The computer readable storage medium includes but is not limited to flash memory, hard disk, solid state disk.

The foregoing is merely illustrative of the present invention, and the present invention is not limited thereto, and any person skilled in the art will readily recognize that variations or substitutions are within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A method of processing an amount of digital resources, the method being applied to financing, the method comprising:

the method comprises the steps that a first user terminal receives a target digital certificate, wherein the target digital certificate comprises a target digital resource amount, the target digital certificate is a digital creditor certificate, and the target digital resource amount is accounts corresponding to creditors;

The first user terminal determines a time difference according to the current system time and the time for receiving the target digital certificate;

the first user terminal determines a first digital resource amount corresponding to the target digital resource amount according to the time difference and a first proportional coefficient, wherein the first proportional coefficient is set by a second user terminal;

the first user terminal transfers the target digital resource indicated by the target digital resource amount and the first digital resource indicated by the first digital resource amount to an associated account of the target user terminal, and generates result information, wherein the result information comprises the target digital resource amount, the first digital resource amount, a terminal identifier of the first user terminal and a terminal identifier of the target user terminal;

and the first user terminal sends the result information to first block chain link point equipment so that the first block chain node equipment carries out uplink processing on the result information, wherein the first block chain node equipment is any block chain node equipment in a block chain network.

2. The method of claim 1, wherein the target digital voucher is a first digital voucher, the target digital resource amount is a second digital resource amount, the target user terminal is a second user terminal or a third user terminal, the first digital voucher is generated by a third blockchain node device according to receivable information, the third blockchain node device is any blockchain node device in the blockchain network, and the first digital voucher is sent to the first user terminal by the second user terminal or forwarded to the first user terminal by the second user terminal through the third user terminal.

3. The method of claim 1, wherein the target digital voucher is a second digital voucher, the target amount of digital resources is a third amount of digital resources, the target user terminal is a third user terminal, and the third user terminal is a downstream provider of the second user terminal;

the first user terminal receiving a target digital voucher, comprising:

the first user terminal receives the second digital certificate sent by the third user terminal, the second digital certificate is received by the third user terminal from the second user terminal, the second digital certificate is generated by second blockchain node equipment according to request information of the second user terminal and the first digital certificate, the first digital certificate is generated by third blockchain node equipment according to receivable information, the second blockchain node equipment is any blockchain node equipment in the blockchain network, the third blockchain node equipment is any blockchain node equipment in the blockchain network, and the third digital resource amount is smaller than the second digital resource amount.

4. A method according to claim 3, wherein the request information comprises the number of the second digital certificates, the terminal identities of the second user terminals, the terminal identities of the plurality of third user terminals, and the third amount of digital resources comprised by the second digital certificate corresponding to the terminal identity of each of the third user terminals.

5. The method of claim 3, wherein the result information further comprises indication information that indicates that the first blockchain node device is to destroy the second digital voucher.

6. The method according to any of claims 1-5, wherein after the first user terminal receives the target digital certificate, further comprising:

the first user terminal sends the target digital certificate to the first block chain node device so that the first block chain node device verifies the target digital certificate;

the first user terminal receives first notification information sent by the first block chain node device, wherein the first notification information comprises a verification result of the first block chain node device on the target digital certificate;

and if the verification result is that the verification is passed, triggering and executing the step of determining the time difference by the first user terminal according to the current system time and the time for receiving the target digital certificate.

7. The method of any of claims 1-5, wherein the target digital voucher further comprises a validity period;

the first user terminal further comprises before determining the first digital resource amount corresponding to the target digital resource amount according to the time difference:

The first user terminal compares the current system time with the effective period;

and when the current system time is earlier than the validity period, triggering and executing the step of determining a time difference by the first user terminal according to the current system time and the time for receiving the target digital certificate.

8. The method according to any one of claims 1-5, wherein after the first user terminal sends the result information to the first block link point device, further comprising:

when the target digital certificate reaches an effective period, the first user terminal receives a fourth digital resource indicated by a fourth digital resource amount sent by a fourth user terminal, wherein the fourth digital resource amount comprises the target digital resource amount and a fifth digital resource amount, the fifth digital resource amount is determined by the fourth user terminal according to the target digital resource amount, the effective period and a second proportionality coefficient, and the effective period and the second proportionality coefficient are set by the fourth user terminal.

9. The method of claim 8, wherein after the first user terminal receives the fourth amount of digital resources transmitted by the fourth user terminal, further comprising:

The first user terminal generates second notification information;

the first user terminal sends the second notification information to the first blockchain node device so that the first blockchain node device destroys the target digital certificate.

10. A processing device for digital resource quantities, characterized in that the device comprises means for performing the method according to any of claims 1-9.

11. A user terminal comprising a memory, a processor, and a communication interface, wherein:

the memory stores program code;

the processor invokes program code stored in the memory for performing the method of any of claims 1-9.

12. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program comprising program instructions which, when executed by a processor, cause the processor to perform the method of any of claims 1-9.