CN110992162A

CN110992162A - Resource processing method, device, equipment and system

Info

Publication number: CN110992162A
Application number: CN201911082313.5A
Authority: CN
Inventors: 吴艺; 李敏
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-11-07
Filing date: 2019-11-07
Publication date: 2020-04-10

Abstract

The embodiment of the specification discloses a resource processing method, a device, equipment and a system, wherein the method comprises the following steps: receiving a resource transfer request sent by a terminal device of a user, wherein the resource transfer request comprises indication information used for indicating resource transfer based on a resource corresponding to predetermined resource application information of the user and resource return appointment information; uploading the resource returning appointment information to a block chain, and sending the resource transfer request to terminal equipment of a resource storage mechanism; acquiring the occupation permission of the corresponding resource for the resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for the resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user; and generating corresponding resource transfer record information based on the resource transfer processing, and uploading the resource transfer record information to a block chain.

Description

Resource processing method, device, equipment and system

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method, an apparatus, a device, and a system for processing resources.

Background

With the continuous development of terminal technology and network technology, online transaction becomes an important transaction mode at present, and people can select commodities to be purchased from a merchant platform through a network, perform resource transfer with the merchant platform and finally complete the online transaction. In order to promote the consumption of the user and provide better financial services for the user, the resource storage institution (such as a bank, etc.) may provide various loan services for the user, such as rent loan, car loan, or resource loan for purchasing goods.

Taking rent loan as an example, the rent loan is a resource lending contract which is signed by a renting main body and a renting enterprise, and the renting main body also signs a resource lending contract with a resource storage mechanism cooperating with the renting enterprise, so that the resource storage mechanism can replace the renting main body to pay the rented resources in the lease, and the renter can pay the rented resources and corresponding interest to the resource storage mechanism according to the resource repaying contract (such as monthly repayment or quarterly repayment and the like). However, the business relationship between the main body of the rental and the rental enterprise is usually maintained through offline, and usually the main business is long rental, large platform, and rental industry, so that the right to transfer the rental goods is not confirmed in time, the correlation between the links to be paid and received is poor, and the like. Therefore, a resource processing scheme with more timely confirmation of the right flow of the goods and better correlation of the receivable and payable links is needed to be provided.

Disclosure of Invention

An object of the embodiments of the present disclosure is to provide a resource processing method, device, apparatus, and system, so as to provide a resource processing scheme with more timely confirmation of the right flow of an item and better correlation of links due to receiving and dealing.

In order to implement the above technical solution, the embodiments of the present specification are implemented as follows:

an embodiment of the present specification provides a resource processing method, where the method includes: receiving a resource transfer request sent by a terminal device of a user, wherein the resource transfer request comprises indication information and resource return appointment information, and the indication information is used for indicating resource transfer based on resources corresponding to the predetermined resource application information of the user. And uploading the resource returning appointment information to a block chain, and sending the resource transfer request to terminal equipment of a resource storage mechanism. And acquiring the occupation permission of the corresponding resource for the resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for the resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user. And generating corresponding resource transfer record information based on the resource transfer processing, and uploading the resource transfer record information to a block chain.

An embodiment of this specification provides a resource processing apparatus, the apparatus includes: the request receiving module receives a resource transfer request sent by a terminal device of a user, wherein the resource transfer request comprises indication information and resource return appointment information, and the indication information is used for indicating resource transfer based on resources corresponding to the predetermined resource application information of the user. And the request sending module uploads the resource returning appointment information to a block chain and sends the resource transferring request to the terminal equipment of the resource storage mechanism. And the authority acquisition module is used for acquiring the occupation authority of the corresponding resource for resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user. And the first transmission module generates corresponding resource transfer record information based on the resource transfer processing and uploads the resource transfer record information to the block chain.

An embodiment of the present specification provides a resource processing device, where the resource processing device includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: receiving a resource transfer request sent by a terminal device of a user, wherein the resource transfer request comprises indication information and resource return appointment information, and the indication information is used for indicating resource transfer based on resources corresponding to the predetermined resource application information of the user. And uploading the resource returning appointment information to a block chain, and sending the resource transfer request to terminal equipment of a resource storage mechanism. And acquiring the occupation permission of the corresponding resource for the resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for the resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user. And generating corresponding resource transfer record information based on the resource transfer processing, and uploading the resource transfer record information to a block chain.

An embodiment of this specification provides a resource processing system, which includes a terminal device of a user and a terminal device of a resource storage mechanism, and the resource processing apparatus as above, wherein: and the terminal equipment of the user sends a resource transfer request aiming at the resource information sheet to the resource processing device, wherein the resource transfer request comprises indication information and resource return appointment information for carrying out resource transfer based on the resource corresponding to the preset resource application information of the user. And the resource processing device uploads the resource returning appointment information to a block chain and sends the resource transfer request to the terminal equipment of the resource storage mechanism. And the terminal equipment of the resource storage mechanism verifies the resource transfer request according to the preset resource application information and the resource information sheet, if the verification is passed, the terminal equipment acquires the resource of the resource information sheet from the resource corresponding to the resource application information according to the resource transfer request to perform resource transfer processing, and uploads the resource information sheet to a block chain. The resource processing device acquires the occupation permission of the corresponding resource of the terminal equipment of the resource storage mechanism for resource transfer processing, generates corresponding resource transfer record information based on the resource transfer processing, and uploads the resource transfer record information to the block chain.

Drawings

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

FIG. 1 illustrates an embodiment of a resource processing method;

FIG. 2 is a diagram of another embodiment of a resource handling method;

FIG. 3 is a diagram illustrating an embodiment of a resource handling apparatus;

FIG. 4 is a diagram illustrating an embodiment of a resource processing apparatus;

FIG. 5 is a diagram of one embodiment of a resource processing system of the present disclosure;

FIG. 6 is a diagram of another embodiment of a resource processing system

FIG. 7 is a flowchart of another embodiment of a resource processing method.

Detailed Description

The embodiment of the specification provides a resource processing method, device, equipment and system.

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

Example one

As shown in fig. 1, an execution subject of the method may be a resource transaction platform where a merchant is located, and for convenience of subsequent description in this embodiment, the resource transaction platform may be referred to as a merchant platform, and the merchant platform may be formed by terminal equipment or a server, where the server may be an independent server, or a server cluster formed by multiple servers, or the like. The server may be a background server of a certain service (such as a transaction service), or may be a background server of a certain application (such as a financial application). The method may specifically comprise the steps of:

in step S102, a resource transfer request sent by a terminal device of a user is received, where the resource transfer request includes indication information for indicating resource transfer based on a resource corresponding to predetermined resource application information of the user and resource return agreement information.

The terminal device of the user is specifically a terminal device such as a mobile phone or a tablet computer. The resource transfer request may be a message requesting to transfer the occupation right of the resource in one account to another account, and the resource transfer request may specifically be an online payment request or the like. The resource application information may be related information of a resource that a user applies to a certain resource storage institution, and in practical applications, the resource application information may be loan application information (i.e., related information of applying for a certain loan, etc.). The resource application may include the name, identification number, resource amount of the application, the validity period of the resource amount of the application, the name or code of the resource storage mechanism, and the like. The resource return agreement information may be rule information for returning the used resources, specifically, the total number of times for returning the resources, the number of resources to be returned in each period, the date of return in each period, and the like.

In implementation, with the continuous development of terminal technology and network technology, online transaction becomes an important transaction mode at present, and people can select commodities to be purchased from a merchant platform through a network, perform resource transfer with the merchant platform, and finally complete online transaction. In order to promote the consumption of the user and provide better financial services for the user, the resource storage mechanism may provide a variety of resource borrowing services for the user, such as rent loan, car loan, or resource loan for purchasing goods.

Taking the rent credit as an example, the rent credit is that the main body of the rent signs a lease with the leasing enterprise, and the main body of the rent also signs a lease credit contract with a resource storage mechanism (such as a bank and the like) cooperating with the leasing enterprise, so that the resource storage mechanism can replace the main body of the rent to pay the leased resources in the lease, and the lessee can return the leased resources and corresponding interest to the resource storage mechanism according to the resource return convention (such as monthly return or quarterly return). In addition, for the resource return agreement, a performance guarantee insurance may be set, where the performance guarantee insurance may refer to an insurance institution making a commitment to a beneficiary (i.e., investor) who performs the performance guarantee insurance, and if the lessee body does not fulfill the obligation of returning the resource according to the resource return agreement, the insurance institution assumes a kind of insurance of returning responsibility. However, the business relationship between the main body of the rental and the rental enterprise is usually maintained through offline, and usually the main business is long rental, large platform, and rental industry, so that the right to transfer the rental goods is not confirmed in time, the correlation between the links to be paid and received is poor, and the like. Therefore, a resource processing scheme with more timely confirmation of the right flow of the goods and better correlation of the receivable and payable links is needed to be provided. The embodiment of the present specification provides a resource processing scheme with more timely confirmation of the right flow of an item and better correlation of a link due to receiving and dealing, which specifically includes the following contents:

block chain technology has been applied well to on-line data tamper resistance, anti-counterfeiting and traceability, and if data is added to a block chain, the data cannot be changed and repudiated. Therefore, the relevant data of each party in the above process can be maintained through the blockchain, so that each party can check certain data based on the relevant data in the blockchain. Specifically, a certain merchant may set the identification and attribute information of the commodity belonging to the merchant in a merchant platform (which may be a server or a server cluster, etc.), and the merchant platform may generate a corresponding display page through the information. When a user needs to buy or rent a certain commodity, the user can log in a merchant platform through a pre-registered account by using the terminal equipment of the user, and the merchant platform can send page data of a home page of a website to the terminal equipment of the user. The page data is received and displayed by the terminal device of the user, and the user can input the identification of the commodity to be purchased or rented, such as the commodity name, in the search bar of the page corresponding to the page data. After the user clicks the search key, the terminal device of the user acquires the input identification of the commodity and sends the identification to the merchant platform. The merchant platform may use the received object identifier as a search keyword, search for an identifier including the search keyword among a plurality of pre-stored identifiers, and send the searched identifier and corresponding attribute information (such as a picture) to the terminal device of the user. The user's terminal device may receive and display the identification and corresponding attribute information. The user can select one identifier from the identifiers, and after clicking the identifier, the terminal device of the user can send an acquisition request for acquiring the display page corresponding to the identifier to the merchant platform. After receiving the acquisition request, the merchant platform may send page data of the corresponding display page to the terminal device of the user, and the terminal device of the user receives and displays the display page.

After the user views the display page, if the user determines to select the commodity corresponding to the identifier, the user can click a selection key in the display page, and the terminal device of the user can generate a selection request and send the selection request to the merchant platform. After receiving the selection request, the merchant platform can generate a resource information sheet and send the resource information sheet to the terminal equipment of the user, and if the user confirms that the resource information sheet received by the terminal equipment of the user is correct and selects a resource transfer mode, the merchant platform can click an information sheet confirmation key in a webpage where the resource information sheet is located. The terminal device of the user can obtain the information of the user and the resource transfer amount information (such as payment amount) to generate a resource transfer request and send the resource transfer request to the merchant platform, so that the merchant platform can receive the resource transfer request carrying the information of the target user.

It should be noted that the selected resource transfer mode may be a resource transfer mode based on a resource corresponding to the resource application information of the user, and in view of this situation, the resource information sheet may further be provided with an information input box or an information selection box for resource return agreement, and the user may input information for resource return agreement in the information input box, or may select one resource for return agreement in the information selection box, or the like. Therefore, the resource transfer request may include indication information and resource return agreement information for indicating resource transfer based on the resource corresponding to the resource application information of the user.

In addition, for convenience in subsequent use and prevention of tampering of the resource application information, the resource application information of the user may be sent to the blockchain node, and the resource information sheet may also be sent to the blockchain node.

In step S104, the resource returning agreement information is uploaded to the block chain, and the resource transfer request is sent to the terminal device of the resource storage mechanism.

The terminal device of the resource storage mechanism may be a terminal device, a server, or the like, and the server may be an independent server, a server cluster including a plurality of servers, or the like.

In implementation, after receiving a resource transfer request sent by a terminal device of a user, a merchant platform may analyze the resource transfer request, and if it is determined that the resource transfer request includes indication information indicating resource transfer based on a resource corresponding to resource application information of the user and resource return agreement information, may upload the resource return agreement information to a block chain, and send the resource transfer request to the terminal device of a resource storage mechanism.

In step S106, the occupation permission of the resource corresponding to the resource transfer process performed by the terminal device of the resource storage mechanism is obtained, where the resource corresponding to the resource transfer process is the resource transferred according to the resource transfer request and based on the resource application information of the user.

In implementation, the terminal device of the resource storage mechanism may extract, from the resource transfer request, indication information indicating that resource transfer is performed based on the resource corresponding to the resource application information of the user, and may search, according to the indication information, whether the resource application information of the user is stored in the terminal device of the resource storage mechanism, and if the resource application information of the user is not found in the terminal device of the resource storage mechanism, it indicates that the user does not apply for the resource in the resource storage mechanism, and at this time, a notification message indicating that resource transfer failure is performed may be sent to the merchant platform. If the resource application information of the user is found in the terminal device of the resource storage mechanism, it indicates that the user applies for a corresponding resource in the resource storage mechanism, at this time, the terminal device of the resource storage mechanism may also determine whether the number of resources in the resource application information of the user matches the number of resources requiring resource transfer in the resource transfer request (i.e., the number of two resources is equal or the number of resources in the resource application information is greater than the number of resources requiring resource transfer, the number of two resources matches), if the number of two resources matches, the resource in the resource application information of the user may be used for resource transfer processing, i.e., the number of resources requiring resource transfer may be subtracted from the number of resources in the resource application information of the user, and at the same time, resources requiring resource transfer may be added to the account of the merchant in the merchant platform, the merchant platform can acquire the occupation permission of the corresponding resource for the resource transfer processing of the terminal equipment of the resource storage mechanism, so that the resource transfer processing is completed.

In step S108, corresponding resource transfer record information is generated based on the above resource transfer processing, and the resource transfer record information is uploaded to the block chain.

In implementation, during the resource transfer process, the merchant platform may generate corresponding resource transfer record information based on information generated during the resource transfer process, where the information generated during the resource transfer process may include, for example, an occupation authority of a corresponding resource for the resource transfer process performed by a terminal device of the resource storage mechanism, resource transfer time, account information for performing the resource transfer, and the like. The block chain can provide a credible evidence-storing service and can be oriented to the online transaction industry based on resource application, and a merchant platform, a resource storage mechanism and the like can be gathered in the block chain. Under a consensus mechanism, a merchant platform provides transaction service based on resource application by combining a resource storage mechanism with the help of a trusted evidence storage service in a block chain under the requirements of fund withdrawal and user value-added service by relying on trusted evidence storage of a resource information sheet of an online transaction industry based on the resource application.

The embodiment of the present specification provides a resource processing method, in a process of a transaction between a user and a merchant platform, if resource transfer processing needs to be performed through resources in loan application information, resource transfer processing may be performed using resources corresponding to the loan application information of the user, and at the same time, information of the resources subjected to the resource transfer processing and resource return appointment information may be stored in a predetermined block chain node, where the loan application information may also be stored in the block chain node by a terminal device of a resource storage mechanism of the resource storage mechanism.

Example two

As shown in fig. 2, an execution subject of the method may be a resource transaction platform where a merchant is located, and for convenience of subsequent description in this embodiment, the resource transaction platform may be referred to as a merchant platform, and the merchant platform may be formed by terminal equipment or a server, where the server may be an independent server, or a server cluster formed by multiple servers, or the like. The server may be a background server of a certain service (such as a transaction service), or may be a background server of a certain application (such as a financial application). The method may specifically comprise the steps of:

in step S202, a resource information sheet submitted by the terminal device of the user is received, and the resource information sheet is uploaded to the block chain.

The resource information sheet may be an information sheet in which information related to an article purchased by a user, a total number of required resources, and the like are recorded, and in practical applications, the resource information sheet may be an order, and the like.

In implementation, a merchant may set identification and attribute information pertaining to its own goods in the merchant platform. When a user needs to buy or rent a certain commodity, the user can log in a merchant platform by using the terminal equipment of the user, and the merchant platform can send corresponding page data to the terminal equipment of the user. The user can search the page corresponding to the page data for the identification of the goods required to be purchased or rented. The merchant platform may send the found identifier and corresponding attribute information (such as a picture) to the terminal device of the user. The user's terminal device may receive and display the identification and corresponding attribute information. The user may select one or more identifiers from the identifiers, and at this time, the terminal device of the user may send an acquisition request for acquiring the display page corresponding to the identifier to the merchant platform. After receiving the acquisition request, the merchant platform may send page data of the corresponding display page to the terminal device of the user, and the terminal device of the user receives and displays the display page. After the user views the display page, if the user determines to select the commodity corresponding to the identifier, the user can click a selection key in the display page, the terminal device of the user can generate a resource information sheet, if the user confirms that the resource information sheet is correct, the resource information sheet can be submitted to the merchant platform, and the merchant platform can receive the resource information sheet submitted by the terminal device of the user and store the resource information sheet to a predetermined block link node.

In step S204, a resource transfer request sent by the terminal device of the user is received, where the resource transfer request includes indication information for indicating resource transfer based on the resource corresponding to the resource application information of the user and resource return agreement information.

In practical application, the resource application information of the user may be stored in the block chain node by the terminal device of the resource storage mechanism, and specifically, the resource application information may be submitted by the user and uploaded to the block chain node by the terminal device of the resource storage mechanism after approval of the resource storage mechanism.

In step S206, the resource returning contract information is uploaded to the block chain, and the resource transfer request is sent to the financial structure device.

In step S208, the occupation right of the resource corresponding to the resource transfer process performed by the terminal device of the resource storage mechanism is obtained, where the resource corresponding to the resource transfer process is the resource transferred according to the resource transfer request and based on the resource application information of the user.

In step S210, corresponding resource transfer record information is generated based on the resource transfer processing, and the resource transfer record information is uploaded to the block chain.

In step S212, the logistics information of the resource information sheet corresponding to the resource transfer request is transmitted to the terminal device of the user.

In practical applications, the logistics information may include information of a resource information sheet (such as a number of an order, information of a commodity purchased by the user in the order, and the like), address information of the user, transportation state information, and the like.

In implementation, after the resource transfer process is completed, the merchant may prepare the goods to be transported to the user according to the information such as the goods purchased by the user in the resource information sheet, and after the preparation is completed, the merchant may deliver the goods to the user and send the logistics information of the resource information sheet corresponding to the resource transfer request to the terminal device of the user.

In step S214, after receiving the confirmation information corresponding to the logistics information sent by the terminal device of the user, sending an insurance request for returning the appointment information to the resource of the user to the terminal device of the predetermined insurance institution, so that the terminal device of the insurance institution verifies the insurance request according to the logistics information of the resource information sheet, the resource information sheet and the resource application information.

The confirmation information may be information indicating that the goods purchased by the merchant to the user have been received by the user, and the confirmation information may include a date of reception, a recipient identifier, information related to the goods, and the like.

In implementation, after receiving a commodity transported by a merchant, a user may click a key for confirming receipt in page information where the resource information sheet is located, at this time, the merchant platform may receive confirmation information in the resource information sheet sent by the terminal device of the user, and then may send an insurance request for returning the contracted information of the user resource to the terminal device of the predetermined insurance institution, that is, the merchant may send an insurance request for returning the contracted information of the user resource to the terminal device of the predetermined insurance institution instead of the corresponding user. After receiving the application request, the terminal device of the insurance mechanism can determine whether the resource transfer of the user is real or not, whether the resource return appointment information of the user is real or not and the like according to the logistics information of the resource information sheet, the resource information sheet and the resource application information.

In step S216, the logistics information is uploaded to the block chain node.

In implementation, since the logistics information may be used to determine whether the user receives the goods shipped by the merchant, the merchant platform may send the logistics information to the block chain node after acquiring the complete logistics information. The block link point can store the logistics information into a corresponding storage area.

In step S218, a resource returning request sent by the terminal device of the resource storage mechanism according to the resource returning agreement information is received.

The resource returning request may be used to remind the user of returning a request for the corresponding resource to be subjected to the resource transfer process.

In implementation, the resource returning agreement information may include a plan for the user to return the corresponding resource for performing the resource transfer process, such as the amount of the resource returned on 1 day per month, the total number of times that the resource needs to be returned, and the like. If the current time reaches the resource returning time specified in the resource returning appointment information, the terminal device of the resource storage mechanism may generate a resource returning request according to the resource returning appointment information, and may send the resource returning request to the merchant platform, and the merchant platform may receive the resource returning request.

In step S220, the resource returning request is sent to the terminal device of the user, and the resource occupation right corresponding to the resource returning request determined by the terminal device of the user is obtained.

In implementation, after receiving the resource returning request, the merchant platform may obtain account information of the corresponding user, and may send the resource returning request to the account of the user, and after checking the resource returning request, the user may send the resource occupation permission corresponding to the resource returning request to the merchant platform through the account. Subsequently, the merchant platform can still complete the resource returning agreement through the processing procedure until the resource for resource transferring processing is returned.

In step S222, the terminal device of the resource storage mechanism is provided with the right to occupy the resource corresponding to the resource return request.

EXAMPLE III

Based on the same idea, the resource processing method provided in the embodiment of the present specification further provides a resource processing apparatus, as shown in fig. 3.

The resource processing apparatus includes: a request receiving module 301, a request sending module 302, a permission obtaining module 303 and a first transmission module 304, wherein:

a request receiving module 301, configured to receive a resource transfer request sent by a terminal device of a user, where the resource transfer request includes indication information used for indicating resource transfer based on a resource corresponding to predetermined resource application information of the user and resource return agreement information;

a request sending module 302, configured to upload the resource returning agreement information to a block chain, and send the resource transfer request to a terminal device of a resource storage mechanism;

an authority acquisition module 303, configured to acquire an occupation authority of a resource corresponding to resource transfer processing performed by a terminal device of the resource storage mechanism, where the resource corresponding to the resource transfer processing is a resource transferred according to the resource transfer request and based on the resource application information of the user;

the first transmission module 304 generates corresponding resource transfer record information based on the resource transfer processing, and uploads the resource transfer record information to the block chain.

In an embodiment of this specification, the apparatus further includes:

the return request module is used for receiving a resource return request sent by the terminal equipment of the resource storage mechanism according to the resource return appointment information;

the resource permission acquisition module is used for sending the resource returning request to the terminal equipment of the user and acquiring the resource occupation permission corresponding to the resource returning request determined by the terminal equipment of the user;

and the resource permission transfer module is used for providing the resource occupation permission corresponding to the resource returning request to the terminal equipment of the resource storage mechanism.

In this embodiment of the present specification, the predetermined resource application information of the user is information of a resource that is applied by the user to the resource storage mechanism, and the predetermined resource application information of the user is stored in the block chain.

In an embodiment of this specification, the apparatus further includes:

the information acquisition module is used for sending logistics information of the resource information sheet corresponding to the resource transfer request to the terminal equipment of the user;

and the checking module is used for sending an insurance application request for returning appointed information of the user resource to the terminal equipment of a preset insurance institution after receiving the confirmation information corresponding to the logistics information sent by the terminal equipment of the user, so that the terminal equipment of the insurance institution verifies the insurance application request according to the logistics information of the resource information list, the resource information list and the resource application information.

In an embodiment of this specification, the apparatus further includes:

and the second transmission module uploads the logistics information to a block chain.

In an embodiment of this specification, the apparatus further includes:

and the third transmission module is used for receiving the resource information sheet submitted by the terminal equipment of the user and uploading the resource information sheet to the block chain.

The embodiment of the present specification provides a resource processing apparatus, in a process of a transaction between a user and a merchant platform, if resource transfer processing needs to be performed through resources in loan application information, the resource transfer processing may be performed through resources corresponding to the loan application information of the user, and at the same time, information of the resources subjected to the resource transfer processing and resource return appointment information may be stored in a predetermined block chain node, where the loan application information may also be stored in the block chain node by a terminal device of a resource storage mechanism of the resource storage mechanism.

Example four

Based on the same idea, the resource processing apparatus provided in the embodiment of the present specification further provides a resource processing device, as shown in fig. 4.

The resource processing device may be the merchant platform provided in the foregoing embodiment, and the merchant platform may be formed by a server.

The resource processing device may have a large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where the memory 402 may store one or more stored applications or data. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for a resource handling device. Still further, the processor 401 may be arranged in communication with the memory 402 to execute a series of computer-executable instructions in the memory 402 on a resource processing device. The resource processing apparatus may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input-output interfaces 405, one or more keyboards 406.

In particular, in this embodiment, the resource processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

receiving a resource transfer request sent by a terminal device of a user, wherein the resource transfer request comprises indication information used for indicating resource transfer based on a resource corresponding to predetermined resource application information of the user and resource return appointment information;

uploading the resource returning appointment information to a block chain, and sending the resource transfer request to terminal equipment of a resource storage mechanism;

acquiring the occupation permission of the corresponding resource for the resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for the resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user;

and generating corresponding resource transfer record information based on the resource transfer processing, and uploading the resource transfer record information to a block chain.

In the embodiment of this specification, the method further includes:

receiving a resource returning request sent by the terminal equipment of the resource storage mechanism according to the resource returning appointment information;

sending the resource returning request to the terminal equipment of the user, and acquiring the resource occupation permission corresponding to the resource returning request determined by the terminal equipment of the user;

and providing the resource occupation authority corresponding to the resource returning request to the terminal equipment of the resource storage mechanism.

In the embodiment of this specification, the method further includes:

sending logistics information of a resource information sheet corresponding to the resource transfer request to the terminal equipment of the user;

after receiving confirmation information corresponding to the logistics information sent by the terminal equipment of the user, sending an application request for returning appointed information of the user resource to the terminal equipment of a preset insurance organization, so that the terminal equipment of the insurance organization verifies the application request according to the logistics information of the resource information list, the resource information list and the resource application information.

In the embodiment of this specification, the method further includes:

and uploading the logistics information to a block chain.

In the embodiment of this specification, the method further includes:

and receiving a resource information sheet submitted by the terminal equipment of the user, and uploading the resource information sheet to a block chain.

The embodiment of the present specification provides a resource processing device, which, during a transaction between a user and a merchant platform, if resource transfer processing needs to be performed through resources in loan application information, while resource transfer processing may be performed through resources corresponding to the loan application information of the user, information of the resources subjected to the resource transfer processing and resource return appointment information may be stored in a predetermined block chain node, where the loan application information may also be stored in the block chain node by a terminal device of a resource storage mechanism of the resource storage mechanism.

EXAMPLE five

As shown in fig. 5, an embodiment of the present specification provides a resource processing system, including: the terminal device 510 of the user, the terminal device 520 of the resource storage mechanism, and the resource processing apparatus (or the resource processing device) described in the third embodiment, in this embodiment, the resource processing apparatus (or the resource processing device) is illustrated as a merchant platform 530, where:

the terminal device 510 of the user may send a resource transfer request for the resource information sheet to the merchant platform 530, where the resource transfer request includes indication information for indicating resource transfer based on the resource corresponding to the resource application information and resource return agreement information. The merchant platform 530 uploads the resource return agreement information to the block chain, and sends a resource transfer request to the terminal device 520 of the resource storage mechanism.

Further, in order to determine the validity of the resource transfer request or the authenticity of the resource information sheet, the terminal device 520 of the resource storage mechanism may check the resource transfer request according to the resource application information of the user and the resource information sheet, and if the check is passed, obtain a resource of the resource information sheet from a resource corresponding to the resource application information according to the resource transfer request to perform resource transfer processing, and store the resource information sheet to the predetermined block link node.

In implementation, after receiving the resource transfer request, the terminal device 520 of the resource storage mechanism may verify validity of the resource transfer request or authenticity of the resource information sheet, and specifically, the terminal device 520 of the resource storage mechanism may obtain resource application information of the user from the blockchain (the resource transfer request may include an identifier of the user, and the resource application information corresponding to the identifier may be searched in the terminal device 520 of the resource storage mechanism by the identifier), and obtain a corresponding resource information sheet (the resource information sheet may also be obtained by the identifier of the user, or the resource transfer request may include an identifier of the resource information sheet, and the resource information sheet may be obtained by the identifier of the resource information sheet, and the like), and then, may compare the resource application information of the user with information in the resource information sheet, if the resource application information matches with information in the resource information sheet, it indicates that the resource transfer request is valid, the resource information sheet is authentic, and the like. If the resource application information matches with the information in the resource information sheet, it may be determined that the check is passed, and at this time, the terminal device 520 of the resource storage mechanism may obtain the resource of the resource information sheet from the resource corresponding to the resource application information according to the resource transfer request to perform resource transfer processing. Thereafter, the terminal device 520 of the resource storage mechanism may store the resource of the resource information sheet and the resource information sheet to the predetermined block chain node.

It should be noted that, in order to improve the verification efficiency, the verification processing may be performed in a Hash value manner, that is, the resource application information and the related information in the resource information sheet may be calculated, and then the two calculated Hash values are compared to determine whether the verification passes. In practical applications, the verification may be performed in a manner other than a Hash value, and may also be performed in various manners, which may be specifically set according to practical situations, and this is not limited in this embodiment of the present specification.

Further, the merchant platform 530 obtains the occupation right of the corresponding resource for the resource transfer processing performed by the terminal device 520 of the resource storage mechanism, generates corresponding resource transfer record information based on the resource transfer processing, and uploads the resource transfer record information to the block chain.

An embodiment of the present specification provides a resource processing system, including: user's terminal equipment and resource storage mechanism's terminal equipment of the resource storage mechanism, and a merchant platform, in the process of transaction between the user and the merchant platform, if resource transfer processing is required to be carried out through resources in loan application information, the resource transfer process can be performed by using the resource corresponding to the loan application information of the user, and the information of the resource to be subjected to the resource transfer process and the resource return agreement information can be stored in the predetermined blockchain node, the loan application information may also be stored to the block link points by the terminal device of the resource repository mechanism, such that, in the transaction process, the right to transfer of the article can be confirmed in time through the information stored in the block chain node, and the relevance of the receivable and payable links can be improved, so that the process of using the loan application information to carry out transaction can be monitored and verified, and the security of the transaction is improved.

EXAMPLE six

An embodiment of the present specification provides a resource processing system, including: the merchant platform 530, the user's terminal device 510, and the resource storage mechanism's terminal device 520 as described in embodiment five are outside the system architecture as described in embodiment five above, where:

before the transaction is performed, the user may apply for a credit to the resource storage mechanism, which may specifically include the following processing: the terminal device 510 of the user sends a trust request to the terminal device 520 of the resource storage mechanism, and the terminal device 520 of the resource storage mechanism generates resource application information for the user according to the trust request and uploads the resource application information to the block chain.

In the process of performing a transaction, after the merchant platform 530 obtains the resource information sheet submitted by the terminal device of the user, the merchant platform 530 may store the resource information sheet submitted by the terminal device 510 of the user in the predetermined block chain node.

Further, the result of the resource transfer process may also be checked, specifically as follows: the terminal device 520 of the resource storage mechanism obtains the resource transfer record information uploaded by the merchant platform 530 from the block chain, and verifies the result of the resource transfer processing according to the resource transfer record information and the resource application information.

In implementation, after acquiring the occupation permission of the corresponding resource for performing the resource transfer processing, the merchant platform 530 may send the acquired information of the occupation permission of the corresponding resource for performing the resource transfer processing to the blockchain node. After the terminal device 520 of the resource storage mechanism completes the resource transfer process, the result of the resource transfer process may be verified, specifically, the resource transfer record information uploaded by the merchant platform 530 may be obtained from the block chain node, then, the result of the resource transfer process may be verified according to the resource transfer record information and the resource application information uploaded by the merchant platform 530, if the resource transfer information of the user includes the information recorded in the resource transfer process, and the merchant platform 530 receives the occupation authority of the corresponding resource to perform the resource transfer process, it indicates that the result of the resource transfer process passes the verification, otherwise, the result of the resource transfer process does not pass the verification, and at this time, the processes such as alarming may be performed.

Further, the terminal device 520 of the resource storage mechanism sends a resource returning request to the merchant platform 530 according to the resource returning appointment information, receives the resource occupation permission corresponding to the resource returning request determined by the merchant platform 530, and uploads the information of the resource occupation permission corresponding to the resource returning request determined by the merchant platform 530 to the block chain.

In addition, as shown in fig. 6, the system may further include a terminal device 540 of an insurance organization, and the terminal device 540 of the insurance organization may provide one or more different insurance services, in this embodiment, the terminal device 540 of the insurance organization may provide an insurance service for resource return, that is, if a user does not return a resource corresponding to the resource storage organization on time, the insurance service for the user to return the corresponding resource to the resource storage organization may be replaced by the insurance organization.

The merchant platform 530 may replace the user to apply insurance to the terminal device 540 of the insurance institution, specifically, the terminal device 540 of the insurance institution receives an insurance application request for returning the agreed information to the resource of the user, which is sent by the merchant platform 530, verifies the insurance application request according to the logistics information, the resource information sheet, and the resource application information corresponding to the resource information sheet, and if the verification passes, uploads the insurance information corresponding to the insurance application request to the block chain.

In implementation, after receiving an application request, the terminal device 540 of the insurance mechanism may check related information corresponding to the application request to ensure the authenticity and validity of the related information corresponding to the application request, specifically, may obtain logistics information corresponding to a resource information sheet, a resource information sheet corresponding to the application request, resource application information of a user, and the like from a blockchain network, and may check the application request through the above information, and may determine whether the user has received a commodity through the logistics information, and may determine whether a corresponding transaction is authentic through the resource information sheet and the resource application information of the user, and if the above verification passes, may determine that the authenticity and validity of the related information corresponding to the application request, and at this time, may store the application information corresponding to the application request to a blockchain node. The application information may include logistics information, a resource information sheet, resource application information, and the like corresponding to the resource information sheet, and may also include information of an applicant (i.e., a user), and the like.

In addition, after the merchant platform 530 replaces the user for insurance, if the user does not implement the resource return agreement, the merchant platform may apply for insurance claim payment to the terminal device 540 of the insurance institution, which may specifically include the following processing: when the terminal device 540 of the insurance institution receives an insurance claim payment request sent by the terminal device of the resource storage institution, the insurance claim payment request is verified according to the resource of the resource information sheet, the resource application information and the resource occupation right corresponding to the resource returning request determined by the merchant platform 530, if the verification is passed, the claim payment processing corresponding to the insurance claim payment request is executed, and the result of the claim payment processing is uploaded to the block chain.

EXAMPLE seven

In this embodiment, a detailed description will be made of the resource processing method provided in the embodiment of the present invention in combination with a specific application scenario, where the corresponding application scenario is an application scenario of online payment, where the resource transfer may be payment, the resource value may be amount, the resource transfer request may be a payment request, the resource transfer information sheet may be an order, and the resource application information may be loan application information.

Some resource storage institutions (such as banks and the like) are provided with various types of loans, such as rent loans, purchase loans of certain commodities (such as mobile phones or large household appliances and the like) and the like, in order to promote fund flow, reduce financial burden of users, improve stickiness of users to the resource storage institutions and the like. When a user rents or purchases a certain commodity, the user can choose to pay by using the loan, and the merchant platform generates a corresponding order and sends the order to the terminal equipment of the user. After the terminal equipment of the user receives the order, if the user confirms that the information in the order is correct, the terminal equipment of the user clicks an order confirmation key in a webpage where the order is located, acquires the order number in the webpage, generates an order confirmation message carrying the order number, and sends the order confirmation message to the merchant platform. The merchant platform obtains an order corresponding to the order number stored in advance, obtains payment amount in the order, and can transfer the payment account corresponding to the loan to the account of the merchant according to the payment amount, obtain repayment agreement information of the user and store the repayment agreement information to the block chain node.

As shown in fig. 7, an embodiment of the present specification provides a resource processing method, which specifically includes the following steps:

in step S702, the terminal device of the user transmits a trust request to the terminal device of the resource repository.

In step S704, the terminal device of the resource storage mechanism generates loan application information for the user according to the trust request, and uploads the loan application information to the block chain.

The loan application information may include information of the user (such as the name and identification number of the user), the amount of the applied loan, the usage of the amount of the loan, and the expiration date.

In step S706, the merchant platform uploads the order submitted by the terminal device of the user to the block chain.

In step S708, the terminal device of the user sends a payment request for the order to the merchant platform, where the payment request includes instruction information for instructing payment based on the loan corresponding to the loan application information and repayment agreement information.

In step S710, the merchant platform uploads the repayment agreement information to the block chain, and sends a payment request to the terminal device of the resource storage mechanism.

In step S712, the terminal device of the resource storage mechanism verifies the payment request according to the loan application information and the order, and if the verification passes, obtains the payment amount of the order from the loan amount corresponding to the loan application information according to the payment request to perform payment processing, and uploads the payment amount of the order and the order to the block chain.

In implementation, in order to improve the verification efficiency, the verification may be performed in a Hash value manner, that is, the loan application information and the related information in the order may be calculated, and then the two calculated Hash values are compared to determine whether the verification passes. In practical applications, the verification may be performed in a manner other than a Hash value, and may also be performed in various manners, which may be specifically set according to practical situations, and this is not limited in this embodiment of the present specification.

In step S714, the merchant platform obtains the payment amount of the payment processing performed by the terminal device of the resource storage mechanism, generates corresponding payment record information based on the payment processing, and uploads the payment record information to the block chain.

Wherein the payment amount may be the total amount in the order. The payment record information may include information of a payment amount for which the payment process is performed, information of a time of payment and a payment account, and the like.

In step S716, the terminal device of the resource storage mechanism obtains the information of the payment amount for performing the payment processing uploaded by the merchant platform from the block chain, and verifies the payment result according to the information of the payment amount for performing the payment processing uploaded by the merchant platform and the loan application information.

In implementation, in order to improve the checking efficiency, the checking process may be performed in a Hash value manner, which may specifically refer to the foregoing related contents, and will not be described herein again.

In step S718, the terminal device of the insurance agency receives an insurance application request for a repayment agreement of the user sent by the merchant platform, verifies the insurance application request according to the logistics information, the order and the loan application information corresponding to the order, and uploads the insurance application information corresponding to the insurance application request to the block chain if the verification is passed.

The application information may include an order (including an order number, information of the items in the order, and a payment amount), an insurance policy (which may include information about the applicant (i.e., the user), information about the merchant, and the like), among others. In order to improve the checking efficiency, the checking process may also be performed in a Hash value manner, which may specifically refer to the foregoing related contents, and will not be described herein again.

In step S720, the terminal device of the resource storage mechanism sends a repayment request to the merchant platform according to the repayment agreement information, receives a repayment amount corresponding to the repayment request sent by the merchant platform, and uploads the information of the repayment amount corresponding to the repayment request sent by the merchant platform to the block chain.

The repayment amount may be a partial amount of the payment amount, for example, the repayment amount is set to be paid for 3 times in a repayment agreement, the principal and interest of paying a part of the payment amount may be paid for 1 day per month, and the repayment amount and the corresponding interest are accumulated after 3 months.

In step S722, when the terminal device of the insurance institution receives the insurance claim payment request sent by the terminal device of the resource storage institution, the insurance claim payment request is verified according to the payment amount, the order, the loan application information in the order and the repayment amount corresponding to the repayment request sent by the merchant platform, if the verification is passed, the claim payment processing corresponding to the insurance claim payment request is executed, and the result of the claim payment processing is uploaded to the block chain.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

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

Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable resource processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable resource processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable resource processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A method of resource processing, the method comprising:

2. The method of claim 1, further comprising:

3. The method of claim 1, wherein the user's predetermined resource application information is information of a resource applied by the user to the resource repository mechanism, and the user's predetermined resource application information is stored in a blockchain.

4. The method of claim 1, further comprising:

5. The method of claim 4, further comprising:

and uploading the logistics information to a block chain.

6. The method of claim 1, further comprising:

7. An apparatus for resource handling, the apparatus comprising:

the request receiving module is used for receiving a resource transfer request sent by terminal equipment of a user, wherein the resource transfer request comprises indication information and resource return appointment information, wherein the indication information is used for indicating resource transfer based on resources corresponding to preset resource application information of the user;

the request sending module uploads the resource returning appointment information to a block chain and sends the resource transferring request to terminal equipment of a resource storage mechanism;

the authority acquisition module is used for acquiring the occupation authority of the corresponding resource for resource transfer processing of the terminal equipment of the resource storage mechanism, wherein the corresponding resource for resource transfer processing is the resource transferred according to the resource transfer request and based on the resource application information of the user;

and the first transmission module generates corresponding resource transfer record information based on the resource transfer processing and uploads the resource transfer record information to the block chain.

8. The apparatus of claim 7, further comprising:

9. The apparatus of claim 7, the user's predetermined resource application information is information of a resource applied by the user to the resource repository mechanism, and the user's predetermined resource application information is stored in a blockchain.

10. A resource processing apparatus, the resource processing apparatus comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

11. A resource processing system comprising a terminal device of a user and a terminal device of a resource storage mechanism, and the resource processing apparatus according to any one of claims 7 to 9, wherein:

the terminal equipment of the user sends a resource transfer request aiming at a resource information sheet to the resource processing device, wherein the resource transfer request comprises indication information and resource return appointment information for resource transfer based on resources corresponding to the preset resource application information of the user;

the resource processing device uploads the resource returning appointment information to a block chain and sends the resource transfer request to the terminal equipment of the resource storage mechanism;

the terminal equipment of the resource storage mechanism verifies the resource transfer request according to the preset resource application information and the resource information sheet, if the verification is passed, the terminal equipment acquires the resource of the resource information sheet from the resource corresponding to the resource application information according to the resource transfer request to perform resource transfer processing, and uploads the resource information sheet to a block chain;

the resource processing device acquires the occupation permission of the corresponding resource of the terminal equipment of the resource storage mechanism for resource transfer processing, generates corresponding resource transfer record information based on the resource transfer processing, and uploads the resource transfer record information to the block chain.

12. The system according to claim 11, wherein the terminal device of the resource storage mechanism acquires the resource transfer record information uploaded by the resource processing device from a block chain, and verifies the result of the resource transfer process according to the resource transfer record information and the resource application information.

13. The system according to claim 11, wherein the terminal device of the resource storage mechanism sends a resource returning request to the resource processing device according to the resource returning agreement information, acquires the resource occupation permission corresponding to the resource returning request determined by the resource processing device, and uploads the information of the resource occupation permission corresponding to the resource returning request determined by the resource processing device to the block chain.

14. The system of claim 11, wherein the terminal device of the user sends a credit granting request to the terminal device of the resource storage mechanism;

and the terminal equipment of the resource storage mechanism generates preset resource application information aiming at the user according to the credit granting request and uploads the preset resource application information to the block chain.

15. The system of claim 11, wherein the resource processing device uploads the resource information sheet submitted by the user's terminal equipment to the block chain.

16. The system of claim 11, further comprising a terminal device of a terminal device mechanism of an insurance mechanism,

and the terminal equipment of the insurance mechanism receives an insurance application request which is sent by the resource processing device and is used for returning appointed information to the user, verifies the insurance application request according to the logistics information corresponding to the resource information sheet, the resource information sheet and the resource application information, and uploads the insurance application information corresponding to the insurance application request to the block chain if the verification is passed.

17. The system according to claim 16, wherein when the terminal device of the insurance institution receives an insurance claim payment request sent by the terminal device of the resource storage institution, the insurance claim payment request is verified according to the resource information sheet, the resource application information, and the resource occupation right corresponding to the resource returning request determined by the resource processing device, and if the verification is passed, the claim payment processing corresponding to the insurance claim payment request is executed, and the result of the claim payment processing is uploaded to the block chain.