CN110910109B

CN110910109B - Electronic resource transfer method and device based on block chain

Info

Publication number: CN110910109B
Application number: CN201911164546.XA
Authority: CN
Inventors: 刘禹铭; 夏博彦; 凌竞男; 姚兵; 刘斌; 杨儒; 黄槽源; 贾成丞
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-11-25
Filing date: 2019-11-25
Publication date: 2022-03-25
Anticipated expiration: 2039-11-25
Also published as: CN110910109A

Abstract

The embodiment of the application discloses an electronic resource transfer method and device based on a block chain, wherein the method comprises the following steps: acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type; and storing the resource transfer information to the blockchain network, so that a second node device of the blockchain network acquires the resource transfer information from the blockchain network, determines a second resource value corresponding to the second electronic resource type according to the first resource value, and transfers the target transfer resource with the second electronic resource type and the second resource value to the second terminal. The cross-border electronic resource transfer efficiency can be improved through the embodiment of the application.

Description

Electronic resource transfer method and device based on block chain

Technical Field

The present application relates to the field of block chain technologies, and in particular, to an electronic resource transfer method based on a block chain and an electronic resource transfer device based on a block chain.

Background

Cross-border electronic resource transfer refers to electronic resource transfer between users in different countries or between users in different regions. Here, the electronic resource refers to a resource existing in an electronic account (e.g., internet bank, internet payment account, etc.) and capable of circulating through the internet, and includes, but is not limited to, electronic money, french currency, and the like; the legal currency is a currency which is given to the legal currency for forced circulation, such as RMB, USD and the like; the electronic money is money stored in an electronic form in an electronic wallet (e.g., QQ wallet, wechat wallet, etc.) held by the user. In a conventional cross-border electronic resource transfer scheme, electronic resources to be transferred need to be transferred among a plurality of institutions such as an account opening bank, an intermediate institution (e.g., SWIFT), an oversea bank and the like, so that cross-border electronic resource transfer can be realized. In practice, it is found that an overseas bank generally needs to wait for the electronic resource to be transferred to be acquired from an intermediate mechanism after the resource value of the electronic resource to be transferred reaches a resource threshold value; or, the electronic resource to be transferred is acquired from the intermediary mechanism after a certain time, which results in lower cross-border electronic resource transfer efficiency.

Disclosure of Invention

The technical problem to be solved by the embodiments of the present application is to provide a block chain-based electronic resource transfer method and apparatus, which can improve the cross-border electronic resource transfer efficiency.

In one aspect, an embodiment of the present application provides an electronic resource transfer method based on a block chain, where the method includes:

acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type;

and storing the resource transfer information to the blockchain network, so that a second node device of the blockchain network acquires the resource transfer information from the blockchain network, determines a second resource value corresponding to the second electronic resource type according to the first resource value, and transfers the target transfer resource with the second electronic resource type and the second resource value to the second terminal.

On one hand, the embodiment of the present application provides another block chain-based electronic resource transfer method, including:

acquiring resource transfer information uploaded by first node equipment from the block chain network, wherein the resource transfer information is used for indicating that electronic resources are transferred from a first terminal to a second terminal, and the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type;

determining a second resource value corresponding to the second electronic resource type according to the first resource value corresponding to the first electronic resource type;

transferring the target transfer resource with the second electronic resource type and the second resource value to the second terminal.

In one aspect, an embodiment of the present application provides an electronic resource transfer device based on a block chain, where the device includes:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, and the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type;

a storage unit, configured to store the resource transfer information in the blockchain network, so that a second node device of the blockchain network obtains the resource transfer information from the blockchain network, determine, according to the first resource value, a second resource value corresponding to the second electronic resource type, and transfer a target transfer resource having the second electronic resource type and the second resource value to the second terminal.

In one aspect, an embodiment of the present application provides an apparatus for transferring electronic resources based on a block chain, where the apparatus includes:

an obtaining unit, configured to obtain, from the blockchain network, resource transfer information uploaded by a first node device, where the resource transfer information is used to instruct to transfer an electronic resource from a first terminal to a second terminal, and the resource transfer information includes a first resource value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type;

the determining unit is used for determining a second resource value corresponding to the second electronic resource type according to the first resource value corresponding to the first electronic resource type;

a transferring unit, configured to transfer the target transfer resource with the second electronic resource type and the second resource value to the second terminal.

In another aspect, an embodiment of the present application provides a node device, which includes an input device and an output device, and further includes:

a processor adapted to implement one or more instructions; and the number of the first and second groups,

a computer storage medium storing one or more first instructions adapted to be loaded by the processor and to perform the steps of:

Alternatively, the computer storage medium stores one or more second instructions adapted to be loaded by the processor and to perform the steps of:

In yet another aspect, embodiments of the present application provide a computer storage medium storing one or more first instructions adapted to be loaded by a processor and perform the following steps:

Alternatively, the computer storage medium stores one or more second instructions adapted to be loaded by a processor and to perform the steps of:

In this embodiment, the first node device may obtain resource transfer information for performing electronic resource transfer from the first terminal to the second terminal, and store the resource transfer information in the block chain network. The resource transfer information in the blockchain network can be read by the second node device in time, namely the second node device can be informed of transferring the electronic resource to the second terminal in time through the resource transfer information in the blockchain network, so that the electronic resource transfer efficiency is improved; meanwhile, the resource transfer information in the blockchain network is also used as voucher data for the first node device to inform the second node device of transferring the electronic resource to the second terminal, so that the first node device can avoid that the first node device does not pay the electronic resource transferred to the second terminal by the second node device to the second node device after the second node device transfers the electronic resource to the second terminal, the electronic resource loss is brought to the second node device, and the fairness and the authenticity of electronic resource transfer can be improved. After the first node device stores the resource transfer information into the blockchain network, the second node device can acquire the resource transfer information, transfer the electronic resource to the second terminal according to the resource transfer information, and transfer the electronic resource to the second terminal without waiting for the first node device to transfer the electronic resource to the second node device.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a schematic structural diagram of an electronic resource transfer system according to an embodiment of the present application;

fig. 2 is a schematic flowchart of an electronic resource transfer method based on a block chain according to an embodiment of the present application;

fig. 3 is a schematic flowchart of an electronic resource transfer method based on a block chain according to an embodiment of the present application;

fig. 4 is a schematic interface diagram for acquiring resource transfer information according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of an interface for obtaining an electronic resource according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an electronic resource transfer device based on a block chain according to an embodiment of the present application;

fig. 7 is a schematic structural diagram of another block chain-based electronic resource transfer device provided in an embodiment of the present application;

fig. 8 is a schematic structural diagram of a node device according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Based on the problem that the traditional cross-border electronic resource transfer mode has low electronic resource transfer efficiency, the embodiment of the application provides an electronic resource transfer method based on a block chain. The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission (P2P transmission), consensus mechanism, encryption algorithm and the like, and is essentially a decentralized and highly transparent database; the blockchain can be composed of a plurality of serial transaction records (also called blocks) which are connected in series by cryptography and protect the contents, and the distributed accounts connected in series by the blockchain can effectively record the transactions by multiple parties and can permanently check the transactions (can not be tampered). The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes in the block chain network; that is, the consensus mechanism is a mathematical algorithm commonly recognized by network nodes in the blockchain. According to the electronic resource transfer method based on the block chain, the electronic resource transfer is completed through the block chain by utilizing the characteristics of high transparency and decentralization of the block chain, the electronic resource is transferred to a retriever without waiting for the electronic resource to be transferred to each intermediate mechanism, the electronic resource transfer efficiency can be improved, and the authenticity and fairness of the electronic resource transfer are improved.

The above-mentioned electronic resource transfer method based on the block chain can be applied to the electronic resource transfer system shown in fig. 1, and the electronic resource transfer system can include a block chain network, a first terminal and a second terminal.

The blockchain network is an end-to-end decentralized network formed by a plurality of node devices, and each node device can receive transaction data during normal work and maintain a blockchain based on the received transaction data. In order to ensure information intercommunication in the blockchain network, communication connection may exist between each node device in the blockchain network, and data transmission may be performed between the node devices through the communication connection. For example, when any node device in the blockchain network receives transaction data, other node devices in the blockchain network acquire the transaction data according to a consensus algorithm, and store the transaction data as data in the blockchain, so that the data stored in all the node devices in the blockchain network are consistent. In fig. 1, the block chain network is illustrated as including two node devices, which are a first node device and a second node device. The first node device may specifically refer to a node device used by a service provider, and the service provider may refer to an organization or an individual providing the resource transfer service. The second node device may specifically refer to a node device used by a partner, and the partner may refer to an organization or an individual who cooperates with the server and provides overseas electronic resource transfer. The first node device and the second node device can be an independent server, a server cluster consisting of a plurality of servers, or a cloud computing center.

The first terminal and the second terminal are both user-oriented terminals, and the first terminal may be a terminal oriented to a user (called a transferor) performing an electronic resource transfer operation, that is, the first terminal is specifically a terminal used by a resource transferor for performing the electronic resource transfer operation. The second terminal may be a terminal facing a user (called a retriever) performing an electronic resource retrieving operation, that is, the second terminal is specifically a terminal used by the retriever for performing the electronic resource retrieving operation. In the present application, the transferor and the retriever may be located in different regions or different countries, that is, the type of electronic resource used by the region or country where the transferor is located is different from the type of electronic resource used by the region or country where the retriever is located. The type of electronic resource is used to indicate the kind of electronic resource, and may include, but is not limited to: renminbi, hong Kong, Euro, Han Yuan, Nian, etc. For example, if the transferor is located in China, the electronic resource type used by the country of the transferor is RMB; if the retriever is located in france, the type of electronic resource used by the country of the retriever is euro. The first terminal and the second terminal can be intelligent devices such as a smart phone, a tablet computer, a portable personal computer, an intelligent watch, a bracelet and an intelligent television.

Based on the above electronic resource transfer system, the block chain-based electronic resource transfer method includes: if a user wants to transfer an electronic resource to another user, the user may be referred to as a transferor and the other user receiving the electronic resource may be referred to as a retriever. The transferor may set resource transfer information for performing electronic resource transfer at the first terminal, for example, the resource transfer information may include but is not limited to: a first resource value corresponding to the resource to be transferred, an electronic resource type corresponding to the transferor, an electronic resource type corresponding to the retriever, and so on. After the resource transfer information is acquired, the first terminal can send the resource transfer information to the first node device, the first node device stores the resource transfer information to the block chain network, the cooperation direction retriever can be timely notified to transfer the electronic resource through the resource transfer information stored in the block chain network, the resource transfer information stored in the block chain network can be used as credential data for the server to notify the cooperation direction retriever to transfer the electronic resource, the situation that the server does not pay the electronic resource transferred by the cooperation direction retriever to the cooperation direction retriever after the cooperation direction retriever transfers the electronic resource can be avoided, electronic resource loss is brought to the cooperation direction, and fairness and authenticity of electronic resource transfer can be improved. After the first node device stores the resource transfer information in the blockchain network, the second node device may read the resource transfer information from the blockchain network, determine a second resource value corresponding to the electronic resource type of the retriever according to the first resource value of the resource to be transferred, and transfer the target transfer resource having the second resource value and the electronic resource type of the retriever to the second terminal. The cooperation party can transfer the electronic resource to the retriever according to the resource transfer information in the block chain network, and the electronic resource is transferred to the retriever without waiting for the service party to transfer the electronic resource to the cooperation party, so that the cross-border electronic resource transfer efficiency can be improved, and the retriever can obtain the electronic resource in time.

Based on the above description, the block chain-based electronic resource transfer method proposed in the embodiment of the present application can refer to steps S101 to S105 shown in fig. 2:

s101, a first node device obtains resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type.

The first terminal may output the interface for the resource transfer operation in various user interfaces, which may include, but are not limited to: a service page of an application, such as a session window interface of instant messaging software; or a web interface, such as a forum space, etc. The interface may be a key or an option, the transferor may invoke the parameter configuration interface by operating the interface (e.g., pressing the key or selecting the option), and set resource transfer information for transferring the electronic resource in the parameter configuration interface, and the first terminal may obtain the resource transfer information set by the transferor from the parameter configuration interface. The resource transfer information comprises a first resource value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first resource value corresponding to the first electronic resource type is used to indicate the amount of the resource to be transferred, and the association between the first terminal and the first electronic resource type may refer to: the type of the electronic resource used by the region or the country where the transferor is located is a first electronic resource type; the association of the second terminal with the second type of electronic resource may refer to: the type of the electronic resource used by the region or country where the retriever is located is the second electronic resource type. For example, if the country of the transferor is China, the first electronic resource type may be Renminbi; if the country of the resource retriever is france, the second type of electronic resource may be euro. Optionally, the resource transfer information may further include an identifier of the service party, an identifier of the partner, an identifier of the transferor and an identifier of the retriever, a destination of the electronic resource transfer, and a relationship between the retriever and the transferor. The identification of the server is used for determining an organization or an individual who uploads the resource transfer information to the blockchain network, and the identification of the partner is used for indicating the individual or the organization having the reading authority on the resource transfer information; the service party identification and the partner party identification can refer to enterprise names, enterprise accounts, enterprise codes, personal names, personal accounts and the like. The identity of the transferor is used to find the transferor's electronic account and the identity of the retriever is used to find the retriever's electronic account. The identity of the transferor and the identity of the retriever may each include a user identity (e.g., a user account in instant messaging software, a registered user account in payment software, a user account in a general application, or a user account in a web page), a device identity used by the user (e.g., a mobile phone number, a serial number of a mobile phone, etc.), or an electronic account identity (e.g., an electronic bank card number, an internet banking account, an internet payment account, etc.). The purpose of electronic resource transfer is to indicate the reason why the transferor transferred the electronic resource to the retriever, for example, a birthday red envelope, a cost of purchasing goods, a travel fee, and the like; the relationship between the retriever and the transferor may include a friendship, a family relationship, and the like.

After the first terminal acquires the resource transfer information, a resource transfer request can be generated, the resource transfer request carries the resource transfer information, and the resource transfer request is sent to the first node device of the block chain network. The first node device may receive the resource transfer request sent by the first terminal, and analyze the resource transfer request to obtain the resource transfer information.

S102, the first node device stores the resource transfer information to the blockchain network.

Before step S102, a first key pair may be created by using an asymmetric encryption algorithm; asymmetric encryption algorithms herein may include, but are not limited to: the Elgamal algorithm (an asymmetric encryption algorithm), the Rabin algorithm (an asymmetric encryption algorithm), the Diffie-Hellman algorithm (an asymmetric encryption algorithm), the ECC algorithm (elliptic curve encryption algorithm). Wherein the first key pair comprises a first public key and a first private key; the first public key is used for identifying a first node device transaction address, and the first private key is used for the first node device to sign transaction data. After creating the first key pair, the first node device may upload a first public key of the first key pair to the blockchain network, so that the blockchain network takes the first public key of the first key pair as a first transaction address of the first node device; and the first private key is kept by the first node device. It should be noted that, transaction addresses in the blockchain network are unique, and one transaction address corresponds to one user; that is, the first public key may mark the user identity of the service party. In another embodiment, the first node device may further upload an identification of a service party (e.g., an enterprise account, a personal account number, a personal account name, etc.) for storing the electronic resource to the blockchain network, so that the blockchain network associates the identification of the service party with the first public key to use the identification of the service party as a down-link address for the first node device to manage and pay for the electronic resource.

After the first node device uploads the first public key to the blockchain network, it indicates that the first node device completes identity registration in the blockchain network, and at this time, the first node device has qualification for performing asset transaction and information viewing in the blockchain network. Thus, the first node device may store the resource transfer information to the blockchain network. The first node device stores the resource transfer information to the blockchain network for the purpose of: the second node equipment can read resource transfer information from the block chain network in time, namely the second node equipment can be informed to transfer the electronic resource to the second terminal in time, and the electronic resource transfer efficiency is improved; meanwhile, the resource transfer information in the blockchain network can serve as the certificate data for the first node device to inform the second node device of transferring the electronic resource to the second terminal, so that the situation that the first node device does not pay the electronic resource transferred to the second terminal by the second node device to the second node device after the second node device transfers the electronic resource to the second terminal can be avoided, electronic resource loss is brought to the second node device, and fairness and authenticity of electronic resource transfer can be improved. And S103, the second node equipment acquires the resource transfer information uploaded by the first node equipment from the block chain network.

Before step S103, a second key pair may be created using an asymmetric encryption algorithm. Wherein the second key pair comprises a second public key and a second private key; the second public key is used for identifying a transaction address of the second node device, and the second private key is used for signing transaction data by the second node device. After creating the second key pair, the second node device may upload a second public key of the second key pair to the blockchain network, so that the blockchain network uses the second public key of the second key pair as a second transaction address of the second node device; and the second private key is kept by the second node device. It should be noted that, transaction addresses in the blockchain network are unique, and one transaction address corresponds to one user; that is, the second public key may mark the user identity of the partner. In another embodiment, the second node device may also upload an identification of a partner (e.g., an enterprise account, a personal account number, a personal account name, etc.) for storing the electronic resource to the blockchain network, so that the blockchain network associates the identification of the partner with the second public key to use the identification of the partner as a down-link address for the second node device to manage and pay for the electronic resource.

After the second node device uploads the second public key to the blockchain network, it indicates that the second node device completes identity registration in the blockchain network, and at this time, the second node device has qualification for performing asset transaction and information viewing in the blockchain network. Therefore, the second node device can acquire the resource transfer information uploaded by the first node device from the blockchain network, and can determine whether to transfer the electronic resource to the second terminal after reading the resource transfer information; if the electronic resource is determined to be transferred, go to step S104; otherwise, the process is ended.

S104, the second node device determines a second resource value corresponding to the second electronic resource type according to the first resource value corresponding to the first electronic resource type.

S105, the second node device transfers the target transfer resource with the second electronic resource type and the second resource value to the second terminal.

In steps S104-S105, since the electronic resource types used by the transferor and the retriever in the region or the country are not consistent, before the second node device transfers the electronic resource to the second terminal, the conversion rate between the first electronic resource type and the second electronic resource type may be obtained, and the product of the conversion rate and the first resource value is determined as the second resource value corresponding to the second electronic resource type. And after the second resource value is obtained, transferring the target transfer resource with the second electronic resource type and the second resource value to a second terminal. The second node device can transfer the electronic resource to the second terminal through the resource transfer information in the block chain, and the electronic resource is transferred to the second terminal without waiting for the first node device to transfer the electronic resource to the second node device, so that the cross-border electronic resource transfer efficiency can be improved, and the second terminal can obtain the electronic resource in time. The resource to be transferred with the first resource value and the first electronic resource type has the same value with the target transfer.

In one embodiment, the method further comprises: and if receiving resource getting information sent by the second terminal, the second node device stores the resource getting information to the blockchain network so that the first node device converts the resource to be transferred into a stable resource to which the blockchain network belongs, wherein the resource getting information is used for indicating that the second terminal has got the target transfer resource and carrying out data transfer processing with the first node device according to the stable resource.

If receiving the resource pickup information sent by the second terminal, it indicates that the second terminal has picked up the target transfer resource, that is, the second node device successfully transfers the target transfer resource to the second terminal, and the second node device can store the resource pickup information in the blockchain network, where the resource pickup information is used to instruct the first node device and the second node device to perform data transfer processing, so that the first node device converts the resource to be transferred into a stable resource to which the blockchain network belongs. The second node device may perform data transfer processing with the first node device according to the stable resource, where the data transfer processing may also be referred to as resource settlement processing, and the resource settlement processing may refer to that after the second node device transfers the target transfer resource to the second terminal, the first node device pays the target transfer resource transferred by the second node device to the second node device.

In this embodiment, the method may include steps s 11-s 13 as follows.

s11, the first node device obtains the resource to be transferred with the first resource value and the first electronic resource type from the first terminal.

In order that the first node device can perform data transfer processing with the second node device after the second node device transfers the electronic resource to the second terminal, the first node device may obtain, from the first terminal, a resource to be transferred having the first resource value and the first electronic resource type, where the resource to be transferred may be used for data transfer processing between the first node device and the second node device.

s12, if the resource getting information stored by the second node device is read from the blockchain network, the first node device converts the resource to be transferred into the stable resource belonging to the blockchain network, and the resource getting information is used to indicate that the second terminal has got the target transfer resource.

s13, the first node device performs data transfer processing with the second node device according to the stable resource.

In steps s12 to s13, if the resource pickup information stored by the second node device is read from the blockchain network, it indicates that the second terminal has picked up the target transfer resource, that is, the second node device has successfully transferred the target transfer resource to the second terminal; the first node device then pays the target transfer resource to the second node device. Since the conversion rate between the first electronic resource type and the second electronic resource type varies with time, the first node device and the second node device perform resource accounting processing at intervals, which may be 12 hours, 1 day, 2 days, and the like. Therefore, if the electronic resource corresponding to the second electronic resource type is adopted to perform resource settlement processing with the second node device, the electronic resource of the first node device or the second node device may be lost. For example, suppose the transferor is located in China, i.e., the first electronic resource type is Renminbi, and the resource to be transferred is 5000 Renminbi; the retriever is located in france, i.e., the second electronic resource type is euro. When the second node device transfers the electronic resource to the second terminal, and the conversion rate between the RMB and the Euro is 0.1285, the first terminal transfers 5000 RMB to the first node device, and the target transfer resource transferred from the second node device to the second terminal is: 0.1285 × 5000 ═ 642.5 euro; after the second terminal picks up the target transfer resource, the first node device needs to pay 642.5 euro to the first node device. When the first node device pays the target transfer resource to the second node device, the conversion rate between the RMB and the Euro becomes 0.1185, and at this time, the first node device can only convert the resource to be transferred into: 0.1185 × 5000 ═ 592.5 euros. At this time, if the first node device pays 642.5 euro to the second node device, the first node device needs to pay about 50 euro by itself, and the electronic resource loss is brought to the first node device; if the first node device pays 592.5 euros to the second node device, the second node device may lose about 50 euros, which may result in a loss of electronic resources to the second node device. Based on this, the first node device may convert the resource to be transferred into a stable resource to which the blockchain network belongs, where the stable resource may be an electronic resource corresponding to a stable electronic resource type, and a conversion rate between the stable electronic resource type and another electronic resource type has a small fluctuation with time, that is, the stability is high. The data transfer processing can be carried out according to the stable resource and the second node equipment, so that the change of the conversion rate between the first electronic resource type and the second electronic resource type can be avoided, the electronic resource loss is brought to the first node equipment or the second node equipment, and the cost of electronic resource transfer can be saved.

In this embodiment, step s12 includes steps s 21-s 23 as follows.

s21, the first node device obtains a conversion rate between the first electronic resource type and a stable electronic resource type, wherein the stability of the conversion rate is greater than a stability threshold.

s22, the first node device generates a third resource value based on the conversion rate and the first resource value.

s23, the first node device determines the electronic resource with the third resource value and the stable electronic resource type as the stable resource belonging to the blockchain network.

In steps s 21-s 23, the first node device may obtain a transition rate between the first electronic resource type and a stable electronic resource type, wherein the stability of the transition rate is greater than a stability threshold. The stable electronic resource type is also referred to as a stable token, and the electronic resource corresponding to the stable electronic resource type can circulate in the blockchain network. The first node device may determine a product between the conversion rate and the first resource value as a third resource value, and determine an electronic resource having the third resource value and the stable electronic resource type as a stable resource to which the blockchain network belongs.

In this embodiment, step s13 includes steps s 31-s 34 as follows.

s31, the first node device obtains the source account address corresponding to the stable resource and the account address of the second node device.

s32, the first node device generates initial transaction data based on the stable resource, the source account address, and the account address of the second node device.

s33, the first node device signs the initial transaction data according to the private key of the first node device to obtain a transfer digital signature, and encapsulates the initial transaction data and the transfer digital signature into transaction data.

s34, the first node device links the transaction data to the blockchain network, and if the linking is successful for the transaction data, it is determined that the second node device has the right to use the stable resource.

In steps s 31-s 34, the first node device may obtain a source account address corresponding to the stable resource and an account address of the second node device, where the source account address corresponding to the stable resource may refer to an account address of the transferee (i.e. an identifier of the transferee) for indicating a source of the stable resource; the account address of the second node device may refer to a transaction address (i.e., a second private key) of the second node device, and is used to indicate a user of the stable resource, i.e., the second node device. The first node device may sign the initial transaction data according to a private key of the first node device to obtain a transfer digital signature, and encapsulate the initial transaction data and the transfer digital signature as transaction data. And linking the transaction data to a blockchain network, wherein other node equipment in the blockchain network adopts a public key (namely a second public key) of second node equipment to check the signature of the transaction data, if the signature is checked successfully, the transaction data is stored to the blockchain network, namely the transaction data is linked successfully, and the second node equipment is determined to have the use permission aiming at the stable resource. By storing the stable resources in the blockchain network, the loss of the electronic resources of the first node device and the second node device due to the change of the conversion rate between the first electronic resource type and the stable electronic resources can be avoided, and the cost required by the electronic resource transfer process can be reduced.

In one embodiment, step S102 may include steps S41-S42 as follows.

s41, the first node device encrypts the resource transfer information by using an encryption algorithm to obtain a ciphertext of the resource transfer information;

s42, the first node device stores the ciphertext of the resource transfer information into the blockchain network.

In steps s41 to s42, in order to avoid that the resource transfer information is read by other node devices except the second node device, the first node device may encrypt the resource transfer information by using an Encryption Algorithm to obtain a ciphertext of the resource transfer information, where the Encryption Algorithm may be an Encryption Algorithm agreed by the first node device and the second node device, and specifically may be a symmetric Algorithm (DES), a Digital Signature Algorithm (DSA), an Advanced Encryption Standard (AES), and the like. After the ciphertext of the resource transfer information is obtained, the ciphertext of the resource transfer information can be stored in the block chain network.

In this embodiment, step S103 may include steps S51-S52 as follows.

s51, the second node device reads the ciphertext of the resource transfer information uploaded by the first node device from the blockchain network.

And s52, the second node device decrypts the ciphertext of the resource transfer information by using a decryption algorithm to obtain the resource transfer information.

In steps s51 to s52, the second node device may read the ciphertext of the resource transfer information uploaded by the first node device from the blockchain network, and decrypt the ciphertext of the resource transfer information by using a decryption algorithm to obtain the resource transfer information. The decryption algorithm corresponds to the encryption algorithm described above.

The block chain-based electronic resource transfer method of the embodiment of the present application is described below by taking an example of transferring electronic resources from the king of china to french plumes through instant messaging software. At this time, the transferor is a king, the retriever is a plum, the first electronic resource type can be Renminbi, and the second electronic resource type can be Euro. As shown in fig. 3, the method includes s1-s 6:

s1, the first terminal may send a resource transfer request to the first node device, paying the first node device for the resource to be transferred. As shown in fig. 4, the first terminal may output a resource transfer operation interface (i.e., a transfer interface) 12 on a conversation window interface 11 (a conversation window interface of the instant messaging software) between the queen and the plum, may invoke a parameter configuration interface 13 by operating the interface on the queen, and sets resource transfer information for resource transfer in the parameter configuration interface 13, and when the queen wants to transfer 5000 rmb to the plum, the queen may set a resource to be transferred to 5000 rmb on the configuration interface, and may set an electronic resource type corresponding to the plum to euro, and so on. After the resource transfer information is set, the queen can preview the resource transfer information on the configuration interface 13, and the confirmed transfer option 14 can be operated if the confirmation is correct. After detecting the operation of the transfer confirmation option 14, the first terminal can acquire resource transfer information from the parameter configuration interface 13 to generate a resource transfer request, wherein the resource transfer request carries the resource transfer information; the resource transfer request is sent to the first node apparatus, and the resource to be transferred (i.e., 5000 RMB) is transferred to the first node apparatus.

s2, the first node equipment uplinks the resource transfer information, i.e. the first node equipment stores the resource transfer information in the blockchain network.

s3, the second node device reads the resource transfer information from the blockchain network.

s4, the second node device transfers the electronic resource to the second terminal. After the second node device obtains the resource transfer information, a target transfer resource can be determined according to the resource to be transferred, that is, the target transfer resource is: 0.1285 x 5000-642.5 euro, the second node device transfers 642.5 euro to the second terminal. As shown in fig. 5, after receiving the target transfer resource, the second terminal may display the target transfer resource 16 in the session window 15, and if a click operation on the target transfer resource is detected, output a resource getting interface 17, where the resource getting interface 17 includes a confirmation collection option 18, and the confirmation collection option 18 is used for a retriever to get the target transfer resource. If the second terminal detects the operation on the confirmed collection option 18, it is determined that the second terminal has collected the target transfer resource, resource collection information is generated, the resource collection information is used for indicating that the second terminal has collected the target transfer resource, and the resource collection information is sent to the second node device. After receiving the resource pickup information, the second node device may upload the resource pickup information to the block chain network.

s5, if the first node device reads the resource getting information uploaded by the second node device from the blockchain network, the first node device may convert the 5000 RMB transferred by the first terminal into a stable resource. After the stable resource is obtained, the first node device may obtain an account address of the first node device and an account address of the second node device, and generate initial transaction data according to the stable resource, the account address of the first node device, and the account address of the second node device. And signing the initial transaction data by adopting a private key of the first node equipment to obtain a transfer digital signature, packaging the initial transaction data and the transfer digital signature into transaction data, and linking the transaction data to a block chain network. And other node equipment in the blockchain network checks the transaction data, if the check is successful, the transaction data is stored in the blockchain network, namely the successful chaining of the transaction data is determined, and the second node equipment is determined to have the use permission for the stable resource.

s6, the second node device may perform resource settlement with the first node device based on the stable resource in the blockchain network, that is, after determining that the second terminal has picked up the target transfer resource, the second node device may transfer the stable resource in the blockchain network to the downlink address of the partner, and may use the stable resource. The first node device and the second node device perform resource settlement through the stable coin, and can avoid the loss of electronic resources caused by the change of conversion rates among different types of electronic resources. Since the conversion rate between the stable electronic resource type and the other electronic resource types is less or almost unchanged with time, the stable resource can be converted to about 642.5 euro without causing great resource loss to the first node device or the second node device.

An embodiment of the present application provides an electronic resource transfer device based on a block chain, where the electronic resource transfer device based on the block chain may be disposed in a first node device, please refer to fig. 6, and the device includes:

an obtaining unit 601, configured to obtain resource transfer information for performing electronic resource transfer from a first terminal to a second terminal, where the resource transfer information includes a first resource value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type.

A storage unit 602, configured to store the resource transfer information in the blockchain network, so that a second node device of the blockchain network obtains the resource transfer information from the blockchain network, determine, according to the first resource value, a second resource value corresponding to the second electronic resource type, and transfer a target transfer resource having the second electronic resource type and the second resource value to the second terminal.

Optionally, the obtaining unit 601 is further configured to obtain the resource to be transferred with the first resource value and the first electronic resource type from the first terminal.

The device also includes: a converting unit 603, configured to, if resource obtaining information stored by the second node device is read from the blockchain network, convert the resource to be transferred into a stable resource to which the blockchain network belongs, where the resource obtaining information is used to indicate that the second terminal has obtained the target transfer resource.

A processing unit 604, configured to perform data transfer processing with the second node device according to the stable resource.

Optionally, the processing unit 604 is specifically configured to obtain a source account address corresponding to the stable resource and an account address of the second node device; generating initial transaction data according to the stable resource, the source account address and the account address of the second node device; signing the initial transaction data according to a private key of the first node device to obtain a transfer digital signature, and packaging the initial transaction data and the transfer digital signature into transaction data; and uploading the transaction data to the blockchain network, and if uploading of the transaction data is successful, determining that the second node equipment has the use permission for the stable resource.

Optionally, the converting unit 603 is configured to obtain a conversion rate between the first electronic resource type and a stable electronic resource type, where a stability of the conversion rate is greater than a stability threshold; determining a product between the conversion rate and the first resource value as a third resource value; determining an electronic resource having the third resource value and the stable electronic resource type as a stable resource to which the blockchain network belongs.

Optionally, the storage unit 602 is specifically configured to encrypt the resource transfer information by using an encryption algorithm to obtain a ciphertext of the resource transfer information; and storing the cipher text of the resource transfer information to the block chain network, so that the second node equipment of the block chain network reads the cipher text of the resource transfer information from the block chain network, and decrypts the cipher text of the resource transfer information to obtain the resource transfer information.

An embodiment of the present application provides an electronic resource transfer device based on a block chain, where the electronic resource transfer device based on the block chain may be disposed in a second node device, please refer to fig. 7, and the device includes:

an obtaining unit 701, configured to obtain, from the blockchain network, resource transfer information uploaded by a first node device, where the resource transfer information is used to instruct to transfer an electronic resource from a first terminal to a second terminal, and the resource transfer information includes a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type.

A determining unit 702, configured to determine, according to the first resource value corresponding to the first electronic resource type, a second resource value corresponding to the second electronic resource type.

A transferring unit 703, configured to transfer the target transfer resource with the second electronic resource type and the second resource value to the second terminal.

Optionally, the apparatus further comprises: a storage unit 704, configured to store the resource obtaining information to the blockchain network if the resource obtaining information sent by the second terminal is received, so that the first node device converts the resource to be transferred into a stable resource to which the blockchain network belongs; the resource getting information is used for indicating that the second terminal has got the target transfer resource.

A processing unit 705, configured to perform data transfer processing with the first node device according to the stable resource.

Optionally, the obtaining unit 701 is specifically configured to read a ciphertext of the resource transfer information uploaded by the first node device from the block chain network; and decrypting the ciphertext of the resource transfer information by adopting a decryption algorithm to obtain the resource transfer information.

An embodiment of the present application provides a node device, please refer to fig. 8. The node device includes: the processor 151, the user interface 152, the network interface 154, and the storage device 155 are connected via a bus 153.

A user interface 152 for enabling human-computer interaction, which may include a display screen or a keyboard, among others. And a network interface 154 for communication connection with an external device. A storage device 155 is coupled to processor 151 for storing various software programs and/or sets of instructions. In particular implementations, storage 155 may include high speed random access memory and may also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid state storage devices. The storage device 155 may store an operating system (hereinafter referred to simply as a system), such as an embedded operating system like ANDROID, IOS, WINDOWS, or LINUX. The storage 155 may also store a network communication program that may be used to communicate with one or more additional devices, one or more application servers, one or more network devices. The storage device 155 may further store a user interface program, which may vividly display the content of the application program through a graphical operation interface, and receive a user's control operation of the application program through input controls such as menus, dialog boxes, and buttons. Storage 155 may also store a chain of blocks, etc.

In one embodiment, the storage 155 may be used to store one or more instructions; the processor 151 may be capable of implementing a blockchain-based electronic resource transfer method when the one or more instructions are invoked, a computer storage medium storing one or more first instructions adapted to be loaded by the processor and to perform the steps of:

and storing the resource transfer information to the blockchain network, so that a second node device of the blockchain network acquires the resource transfer information from the blockchain network, determines a second resource value corresponding to the second electronic resource type according to the first resource value, and transfers the target transfer resource with the second electronic resource type and the second resource value to the second terminal. Optionally, the processor invokes the one or more first instructions to perform the following steps:

acquiring a resource to be transferred with the first resource value and the first electronic resource type from the first terminal;

if the resource obtaining information stored by the second node device is read from the blockchain network, converting the resource to be transferred into a stable resource to which the blockchain network belongs, wherein the resource obtaining information is used for indicating that the second terminal obtains the target transfer resource;

and carrying out data transfer processing with the second node equipment according to the stable resource.

Optionally, the processor invokes the one or more first instructions to perform the following steps:

acquiring a source account address corresponding to the stable resource and an account address of the second node device;

generating initial transaction data according to the stable resource, the source account address and the account address of the second node device;

signing the initial transaction data according to a private key of the first node device to obtain a transfer digital signature, and packaging the initial transaction data and the transfer digital signature into transaction data;

and uploading the transaction data to the blockchain network, and if uploading of the transaction data is successful, determining that the second node equipment has the use permission for the stable resource.

acquiring a conversion rate between the first electronic resource type and a stable electronic resource type, wherein the stability of the conversion rate is greater than a stability threshold;

determining a product between the conversion rate and the first resource value as a third resource value;

determining an electronic resource having the third resource value and the stable electronic resource type as a stable resource to which the blockchain network belongs.

encrypting the resource transfer information by adopting an encryption algorithm to obtain a ciphertext of the resource transfer information;

and storing the cipher text of the resource transfer information to the block chain network, so that the second node equipment of the block chain network reads the cipher text of the resource transfer information from the block chain network, and decrypts the cipher text of the resource transfer information to obtain the resource transfer information.

Optionally, the computer storage medium stores one or more second instructions, the one or more second instructions being adapted to be loaded by the processor and to perform the steps of:

transferring the target transfer resource with the second electronic resource type and the second resource value to the second terminal. Optionally, the processor invokes the one or more second instructions to perform the following steps:

if receiving resource getting information sent by the second terminal, storing the resource getting information to the blockchain network so that the first node equipment converts the resource to be transferred into a stable resource belonging to the blockchain network; the resource getting information is used for indicating that the second terminal gets the target transfer resource;

and carrying out data transfer processing with the first node equipment according to the stable resources.

Optionally, the processor invokes the one or more second instructions to perform the following steps:

reading a ciphertext of the resource transfer information uploaded by the first node device from the blockchain network;

and decrypting the ciphertext of the resource transfer information by adopting a decryption algorithm to obtain the resource transfer information.

Embodiments and advantageous effects of the program for solving the problems may refer to the embodiments and advantageous effects of the method for transferring electronic resources based on a block chain described in fig. 2 and fig. 3, and repeated details are omitted.

The above disclosure is only a few examples of the present application, and certainly should not be taken as limiting the scope of the present application, which is therefore intended to cover all modifications that are within the scope of the present application and which are equivalent to the claims.

Claims

1. An electronic resource transfer method based on a block chain is applied to a first node device in a block chain network, and is characterized by comprising the following steps:

acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type; the resource transfer information informs the first node equipment that the second node equipment transfers the voucher data of the electronic resource to the second terminal; the resource transfer information is information set by a transferor on a parameter configuration interface of the first terminal; the parameter configuration interface is displayed after triggering an interface of resource transfer operation in a session window interface of instant messaging software in the first terminal;

storing the resource transfer information to the blockchain network, so that a second node device of the blockchain network obtains the resource transfer information from the blockchain network, determines a second resource value corresponding to the second electronic resource type according to the first resource value, and transfers a target transfer resource with the second electronic resource type and the second resource value to the second terminal; the target transfer resource is an electronic resource transferred to a retriever;

if the resource extraction information stored by the second node device is read from the block chain network, acquiring a conversion rate between the first electronic resource type and a stable electronic resource type, wherein the stability of the conversion rate is greater than a stability threshold;

generating a third resource value according to the conversion rate and the first resource value;

determining an electronic resource having the third resource value and the stable electronic resource type as a stable resource to which the blockchain network belongs, wherein the resource obtaining information is used for indicating that the second terminal has obtained the target transfer resource; the resource obtaining information is also used for indicating the first node equipment and the second node equipment to carry out data transfer processing; the stable resource is used for circulating between the first node device and the second node device in the block chain network;

2. The method of claim 1, wherein the storing the resource transfer information to the blockchain network comprises:

3. An electronic resource transfer method based on a block chain is applied to a second node device in a block chain network, and is characterized by comprising the following steps:

acquiring resource transfer information uploaded by first node equipment from the block chain network, wherein the resource transfer information is used for indicating that electronic resources are transferred from a first terminal to a second terminal, and the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type; the resource transfer information informs the first node equipment that the second node equipment transfers the voucher data of the electronic resource to the second terminal; the resource transfer information is information set by a transferor on a parameter configuration interface of the first terminal; the parameter configuration interface is displayed after triggering an interface of resource transfer operation in a session window interface of instant messaging software in the first terminal;

transferring the target transfer resource with the second electronic resource type and the second resource value to the second terminal; the target transfer resource is an electronic resource transferred to a retriever;

if the resource obtaining information sent by the second terminal is received, storing the resource obtaining information to the block chain network so that the first node device can obtain the conversion rate between the first electronic resource type and the stable electronic resource type, wherein the stability of the conversion rate is greater than a stability threshold value, generating a third resource numerical value according to the conversion rate and the first resource numerical value, and determining the electronic resource with the third resource numerical value and the stable electronic resource type as the stable resource to which the block chain network belongs; the resource getting information is used for indicating that the second terminal gets the target transfer resource; the resource obtaining information is also used for indicating the first node equipment and the second node equipment to carry out data transfer processing; the stable resource is used for circulating between the first node device and the second node device in the block chain network;

performing data transfer processing with the first node device according to the stable resource; the first node device is configured to obtain a source account address corresponding to the stable resource and an account address of the second node device, generate initial transaction data according to the stable resource, the source account address, and the account address of the second node device, sign the initial transaction data according to a private key of the first node device to obtain a transfer digital signature, package the initial transaction data and the transfer digital signature as transaction data, link the transaction data to the blockchain network, and determine that the second node device has a usage right for the stable resource if the link is successful for the transaction data.

4. The method of claim 3, wherein the acquiring resource transfer information uploaded by the first node device from the blockchain network comprises:

5. An electronic resource transfer device based on a block chain, applied to a first node device in a block chain network, comprising:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, and the resource transfer information comprises a first resource numerical value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type; the resource transfer information informs the first node equipment that the second node equipment transfers the voucher data of the electronic resource to the second terminal; the resource transfer information is information set by a transferor on a parameter configuration interface of the first terminal; the parameter configuration interface is displayed after triggering an interface of resource transfer operation in a session window interface of instant messaging software in the first terminal;

a storage unit, configured to store the resource transfer information in the blockchain network, so that a second node device of the blockchain network obtains the resource transfer information from the blockchain network, determine a second resource value corresponding to the second electronic resource type according to the first resource value, and transfer a target transfer resource having the second electronic resource type and the second resource value to the second terminal; the target transfer resource is an electronic resource transferred to a retriever;

the acquiring unit is further configured to acquire a resource to be transferred from the first terminal, where the resource to be transferred has the first resource value and the first electronic resource type;

a conversion unit, configured to, if resource obtaining information stored by the second node device is read from the blockchain network, obtain a conversion rate between the first electronic resource type and a stable electronic resource type, where a stability of the conversion rate is greater than a stability threshold, generate a third resource numerical value according to the conversion rate and the first resource numerical value, determine an electronic resource having the third resource numerical value and the stable electronic resource type as a stable resource to which the blockchain network belongs, and the resource obtaining information is used to indicate that the second terminal has obtained the target transfer resource; the resource obtaining information is also used for indicating the first node equipment and the second node equipment to carry out data transfer processing; the stable resource is used for circulating between the first node device and the second node device in the block chain network;

the processing unit is configured to obtain a source account address corresponding to the stable resource and an account address of the second node device, generate initial transaction data according to the stable resource, the source account address, and the account address of the second node device, sign the initial transaction data according to a private key of the first node device, obtain a transfer digital signature, package the initial transaction data and the transfer digital signature as transaction data, link the transaction data to the blockchain network, and determine that the second node device has a usage right for the stable resource if the link is successful for the transaction data.

6. An electronic resource transfer device based on a block chain, applied to a second node device in a block chain network, comprising:

an obtaining unit, configured to obtain, from the blockchain network, resource transfer information uploaded by a first node device, where the resource transfer information is used to instruct to transfer an electronic resource from a first terminal to a second terminal, and the resource transfer information includes a first resource value corresponding to a first electronic resource type and a second electronic resource type associated with the second terminal; the first terminal is associated with the first electronic resource type; the resource transfer information informs the first node equipment that the second node equipment transfers the voucher data of the electronic resource to the second terminal; the resource transfer information is information set by a transferor on a parameter configuration interface of the first terminal; the parameter configuration interface is displayed after triggering an interface of resource transfer operation in a session window interface of instant messaging software in the first terminal;

a transferring unit, configured to transfer a target transfer resource having the second electronic resource type and the second resource value to the second terminal; the target transfer resource is an electronic resource transferred to a retriever;

a storage unit, configured to store, if resource obtaining information sent by the second terminal is received, the resource obtaining information to the blockchain network, so that the first node device obtains a conversion rate between the first electronic resource type and a stable electronic resource type, where a stability of the conversion rate is greater than a stability threshold, generate a third resource numerical value according to the conversion rate and the first resource numerical value, and determine an electronic resource having the third resource numerical value and the stable electronic resource type as a stable resource to which the blockchain network belongs; the resource getting information is used for indicating that the second terminal gets the target transfer resource; the resource obtaining information is also used for indicating the first node equipment and the second node equipment to carry out data transfer processing; the stable resource is used for circulating between the first node device and the second node device in the block chain network;

the processing unit is used for carrying out data transfer processing with the first node equipment according to the stable resources; the first node device is configured to obtain a source account address corresponding to the stable resource and an account address of the second node device, generate initial transaction data according to the stable resource, the source account address, and the account address of the second node device, sign the initial transaction data according to a private key of the first node device to obtain a transfer digital signature, package the initial transaction data and the transfer digital signature as transaction data, link the transaction data to the blockchain network, and determine that the second node device has a usage right for the stable resource if the link is successful for the transaction data.

7. A node apparatus, characterized by further comprising: a processor and a memory;

the processor is coupled to a memory, wherein the memory is configured to store program code and the processor is configured to invoke the program code to perform the method of any of claims 1-4.

8. 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, perform the method according to any one of claims 1-4.