CN112907353A

CN112907353A - Service processing method and device based on block chain

Info

Publication number: CN112907353A
Application number: CN202110169037.7A
Authority: CN
Inventors: 刘照星
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2020-09-03
Filing date: 2020-09-03
Publication date: 2021-06-04
Also published as: CN111784514B; CN111784514A

Abstract

The embodiment of the specification provides a service processing method and device based on a block chain, wherein the service processing method based on the block chain is applied to at least one block chain node of the block chain, by receiving a resource credential transfer request submitted by a first user through a first client, the resource credential transfer request requesting transfer of a first resource credential of the first user to a second user, the first resource voucher is generated according to the magnitude relation between the available credit line of the first user and the resource line to be settled, a voucher transfer intelligent contract corresponding to the resource voucher transfer request is called, and executing the credential transfer logic of the credential transfer intelligent contract statement to transfer the first resource credential to the credential storage account of the second user under the condition that the execution condition of the credential transfer intelligent contract is met.

Description

Service processing method and device based on block chain

The invention is filed on 20200903, with the application number of 202010916618.8, and is a divisional application entitled "block chain-based service processing method and device".

Technical Field

The embodiment of the present specification relates to the technical field of block chains, and in particular, to a service processing method based on a block chain. One or more embodiments of the present specification also relate to a block chain based service processing apparatus, a computing device, and a computer readable storage medium.

Background

The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.

Disclosure of Invention

In view of this, embodiments of the present specification provide a service processing method based on a block chain. One or more embodiments of the present disclosure also relate to a block chain based service processing apparatus, a computing device, and a computer-readable storage medium, so as to solve the technical deficiencies in the prior art.

According to a first aspect of the embodiments of the present specification, there is provided a service processing method based on a block chain, applied to at least one block chain node of the block chain, including:

receiving a resource voucher transfer request submitted by a first user through a first client, wherein the resource voucher transfer request is used for requesting to transfer a first resource voucher of the first user to a second user, and the first resource voucher is generated according to the size relationship between the available credit line of the first user and the resource line to be settled;

calling a credential transfer intelligent contract corresponding to the resource credential transfer request;

and executing the credential transfer logic of the credential transfer intelligent contract statement to transfer the first resource credential to the credential storage account of the second user under the condition that the execution condition of the credential transfer intelligent contract is met.

Optionally, the transfer path of the credential transfer between the first user and the second user is included in the credential transfer smart contract;

correspondingly, the transferring the first resource credential to the credential storage account of the second user includes:

and transferring the first resource credential to a credential storage account of the second user based on a transfer path of credential transfer between the first user and the second user.

Optionally, the credential transfer smart contract is created by:

obtaining a credential storage account of the first user and a credential storage account of the second user issued to the blockchain;

creating a transfer path for credential transfer between the first user and the second user based on the credential storage account of the first user and the credential storage account of the second user;

and calling a creating program of the credential transfer intelligent contract, and creating a credential transfer intelligent contract corresponding to the resource credential transfer transaction based on the transfer path.

Optionally, the blockchain further includes at least one service processing platform node, and the method further includes:

receiving a resource credential generation request initiated by the first user through the first client;

and determining the available credit line of the first user, generating a first resource certificate containing the corresponding resource line according to the size relation between the available credit line and the resource line to be settled in the resource certificate generation request, and returning.

Optionally, the method for processing a service based on a block chain further includes:

receiving a resource redemption request submitted by the second user for the first resource credential;

and transferring the resource corresponding to the corresponding resource limit to the resource account of the second user under the condition that the validity of the first resource certificate is verified.

Optionally, after receiving the resource redemption request submitted by the second user for the first resource credential, the method further includes:

detecting whether a resource exchange validity period of the first resource voucher is reached;

if not, calculating the resource amount to be deducted according to the time difference between the resource exchange validity period and the time point for receiving the resource exchange request;

and determining the resource limit to be exchanged in the first resource voucher, deducting the resource limit corresponding to the resource limit to be exchanged based on the resource limit to be deducted, and transferring the resource with the deducted residual limit into a resource account of the second user.

receiving a second resource credential generation request sent by the first user for the first resource credential;

and generating a second resource voucher containing the corresponding resource amount based on the resource exchange validity period carried in the second resource voucher generation request, and sending the second resource voucher to the first user.

Optionally, after the generating the second resource credential including the corresponding resource quota, the method further includes:

sending a resource storage guarantee prompt to the first user when detecting that the resource exchange validity period of the second resource voucher is larger than the resource exchange validity period of the first resource voucher;

and after the resource exchange validity period of the first resource voucher is reached, storing the resources transferred by the first user and corresponding to the amount in the second resource voucher as guaranteed resources to a guaranteed resource storage space applied for opening by the first user.

and under the condition that the resource exchange validity period of the second resource voucher is detected to be reached, transferring the guaranteed resources in the guaranteed resource storage space to a resource account of the second user.

receiving a resource dividing request sent by the first user aiming at the first resource certificate, wherein the resource dividing request comprises a resource limit of a resource to be allocated;

dividing the corresponding resource limit in the first resource certificate based on the resource limit of the resource to be distributed;

and generating a second resource certificate containing the resource to be distributed based on the division result, and sending the second resource certificate to the first user.

Optionally, the generating a first resource credential including a corresponding resource amount according to a size relationship between the available credit line of the first user and the resource amount to be settled in the resource credential generation request includes:

inquiring the available credit line of the first user according to the user identification carried in the resource certificate generation request;

under the condition that the available credit limit is determined to be larger than the resource limit to be settled carried in the resource certificate generation request, generating the first resource certificate according to the resource limit to be settled and returning; or the like, or, alternatively,

and under the condition that the limit value of the available credit limit is determined to be less than or equal to the resource limit to be settled carried in the resource certificate generation request, generating the first resource certificate according to the available credit limit and returning.

According to a second aspect of the embodiments of the present specification, there is provided a service processing apparatus based on a block chain, including:

the receiving module is configured to receive a resource credential transfer request submitted by a first user through a first client, wherein the resource credential transfer request is used for requesting to transfer a first resource credential of the first user to a second user, and the first resource credential is generated according to the size relationship between the available credit line of the first user and the resource line to be settled;

a calling module configured to call a credential transfer intelligence contract corresponding to the resource credential transfer request;

a transfer module configured to execute credential transfer logic of the credential transfer intelligent contract statement to transfer the first resource credential to a credential storage account of the second user if the execution condition of the credential transfer intelligent contract is monitored to be satisfied.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is configured to store computer-executable instructions, and the processor is configured to implement the steps of the block chain based traffic processing method when executing the computer-executable instructions.

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the block chain based traffic processing method.

In one embodiment of the present specification, a resource credential transfer request submitted by a first user through a first client is received, where the resource credential transfer request is used to request transfer of a first resource credential of the first user to a second user, the first resource credential is generated according to a magnitude relationship between an available credit line of the first user and a resource line to be settled, a credential transfer intelligent contract corresponding to the resource credential transfer request is invoked, and a credential transfer logic declared by the credential transfer intelligent contract is executed under the condition that an execution condition of the credential transfer intelligent contract is monitored, so as to transfer the first resource credential to a credential storage account of the second user;

the method and the device realize the intelligent contract for transferring the voucher so as to realize the transfer of the resource voucher according to the voucher transfer logic declared in the intelligent contract for transferring the voucher, are favorable for improving the efficiency of voucher transfer, and in the process of carrying out voucher transfer through the intelligent contract for transferring the voucher, the voucher transfer records and the voucher transfer results can be stored in the block chain, and the stability and the reliability of uplink data can be favorably improved by utilizing the openness and the non-tamper property of data in the block chain.

Drawings

Fig. 1 is a processing flow diagram of a service processing method based on a block chain according to an embodiment of the present specification;

FIG. 2 is a schematic diagram of credential flow provided by one embodiment of the present description;

FIG. 3 is a schematic diagram of a flow process for billing vouchers provided by one embodiment of the present specification;

fig. 4 is a schematic diagram of a service processing process based on a block chain according to an embodiment of the present specification;

fig. 5 is a schematic diagram of a service processing process based on a block chain applied to a logistics scenario according to an embodiment of the present specification;

fig. 6 is a schematic diagram of a service processing apparatus based on a block chain according to an embodiment of the present specification;

fig. 7 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

In the present specification, a service processing method based on a block chain is provided, and the present specification relates to a service processing apparatus based on a block chain, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

Fig. 1 shows a processing flow chart of a service processing method based on a blockchain, which is applied to at least one blockchain node of the blockchain, according to an embodiment of the present disclosure, and includes steps 102 to 106.

102, receiving a resource credential transfer request submitted by a first user through a first client, wherein the resource credential transfer request is used for requesting to transfer a first resource credential of the first user to a second user, and the first resource credential is generated according to the size relationship between the available credit line of the first user and the resource line to be settled.

Specifically, the first client is a terminal device used by a first user, where the terminal device includes but is not limited to a mobile computer or a mobile computing device, such as a smartphone, a tablet, a notebook computer or a desktop computer;

the available credit line is an available credit resource line, the first user can use the available credit line in a loan mode and carry out resource repayment within a preset time length, the specific loan mode is that the first user sends a resource certificate generation request to the service processing platform through the first client side, and the service processing platform generates a resource certificate containing a corresponding resource line according to the resource line (resource line to be settled) which is applied for loan by the first user and returns the resource certificate to the first client side.

Resources described in embodiments herein include, but are not limited to, funds, data resources, computing resources, or virtual resources, etc.; the business processing platform can be a bank, and the bank can be the same bank or a plurality of banks with business cooperation; the resource voucher is equivalent to an accounting voucher, and information such as the account name, the accounting direction (borrowing and lending), the resource amount and the like of the first user is recorded through the resource voucher.

In addition, the service processing platform described in the embodiment of the present specification may be a block chain node, that is, the block chain further includes a service processing platform node, and the generation of the first resource credential by the service processing platform node may specifically be implemented in the following manner:

Further, according to the magnitude relation between the available credit line of the first user and the resource line to be settled in the resource voucher generation request, a first resource voucher containing a corresponding resource line is generated, which can be specifically realized by the following steps:

Specifically, after receiving a resource credential generation request initiated by a first user through a first client, a service processing platform node determines an available credit line of the first user according to a user identifier of the first user carried in the resource credential generation request, where the available credit line is a remaining available line in an available credit total, for example, if the available credit total of the first user is 10W, where a resource credential is generated by a 3W line, the available credit line is a remaining 7W line.

After the available credit line is determined, the size relation between the resource line to be settled and the available credit line in the resource voucher generation request needs to be determined, and if the resource line to be settled is less than or equal to the available credit line, a first resource voucher containing the resource line to be settled is generated according to the resource line to be settled; and if the resource limit to be settled is larger than the available credit limit, generating a first resource voucher containing the available credit limit according to the available credit limit.

The service processing platform node can determine the available credit line of the first user according to the credit information of the first user, if the credit information is the credit level, the credit level is positively correlated with the available credit line, and the higher the credit level of the first user is, and the higher the available credit line is.

In practical application, a first user may initiate a resource credential generation request to a service processing platform node through a first client when the first user needs to perform resource settlement to a second user, so as to complete resource settlement for the second user based on a first resource credential generated by the service processing platform node, and if the resource is a fund, the first user may implement a payment function by transferring the first resource credential to the second user, where a resource amount to be settled is a to-be-paid fund amount.

After receiving a resource credential transfer request submitted by a first user, the blockchain node can call a credential transfer intelligent contract to realize credential transfer.

And 104, calling a certificate transfer intelligent contract corresponding to the resource certificate transfer request.

Specifically, the blockchain application is a novel application of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. An intelligent contract is a business logic program running on a blockchain that is closely related to business logic.

An intelligent contract is a set of code and data, also called a "programmable contract," that is, a contract defined by program code, that presets execution conditions, and that executes behaviors when the execution conditions are triggered. The "intelligence" is intelligence in execution, that is, when a certain preset condition is reached, the contract is automatically executed. The essence of the intelligent contract is a set of executing tasks, and after a trigger condition or a preset condition in the contract is met, the executing tasks are executed according to the executing tasks defined in advance.

And after receiving a resource certificate transfer request submitted by a first user, the block chain node transfers the intelligent contract according to the certificate corresponding to the resource certificate transfer request and transfers the resource certificate according to the certificate transfer logic declared by the intelligent contract.

In specific implementation, before the credential transfer intelligent contract is called, the credential transfer intelligent contract needs to be constructed, after the credential transfer intelligent contract is constructed and the consensus of other blockchain nodes is obtained, the credential transfer intelligent contract can be deployed in a blockchain and called, and the construction and consensus process of the credential transfer intelligent contract can be specifically realized through the following modes:

Specifically, after obtaining the credential storage accounts of the first user and the second user, a transfer path for credential transfer between the first user and the second user may be created based on the credential storage accounts, and a credential transfer intelligent contract may be created based on the transfer path by invoking a creation program of the credential transfer intelligent contract.

In practical application, the certificate transfer intelligent contract can be diffused to the block chain link points in a peer-to-peer network or consensus algorithm mode, the peer-to-peer network refers to a peer-to-peer computer network, is a distributed application architecture for distributing tasks and workloads among peers, is a networking or network form formed by a peer-to-peer computing model in an application layer, and has the characteristics of decentralization, expandability, high cost performance and the like;

the certificate transfer intelligent contract is diffused to each block chain node of the block chain through a network, each block chain node performs validity verification on the stored certificate transfer intelligent contract, the validity verification is successful, namely consensus is achieved, the block chain node completes the identification and verification process of the certificate transfer intelligent contract on the basis that mutual cognition is not needed among participants and trust relation is not needed to be established, and only the certificate transfer intelligent contract passing the consensus is written into the block and stored in the block chain.

In addition, the consensus is the process of establishing trust and obtaining rights and interests among different nodes, the validity of the certificate transfer intelligent contract is verified, the authenticity of the certificate transfer intelligent contract is guaranteed, after the consensus is achieved after the verification is passed, the certificate transfer intelligent contract is stored in the block chain nodes, and the certificate transfer intelligent contract is guaranteed to be not falsified.

And 106, under the condition that the execution condition of the credential transfer intelligent contract is met, executing credential transfer logic stated by the credential transfer intelligent contract, and transferring the first resource credential to a credential storage account of the second user.

Specifically, the essence of the credential transfer intelligent contract is a set of some execution tasks, and when a trigger condition or a preset condition in the contract is met, the execution tasks are executed according to a predefined execution task.

In practical application, the block link points in the block chain regularly traverse the execution state, the transaction and the trigger condition of the intelligent contract for credential transfer to judge whether the intelligent contract for credential transfer meets the execution condition. And if the certificate transfer intelligent contract reaches the execution condition, reading the service information corresponding to the certificate transfer intelligent contract from the block chain, and performing consistency verification in the block chain network, namely performing recognition again on the certificate transfer intelligent contract to prove that the information in the certificate transfer intelligent contract is not tampered.

In specific implementation, the credential transfer smart contract includes a transfer path for transferring a credential between a first user and a second user, so that the first resource credential is transferred to the credential storage account of the second user, that is, the first resource credential is transferred to the credential storage account of the second user based on the transfer path for transferring the credential between the first user and the second user.

And under the condition that the resource credential transfer request submitted by the first user is received and analyzed to determine that the execution condition of the credential transfer intelligent contract is met, the blockchain node calls the credential transfer intelligent contract and executes the credential transfer logic declared by the credential transfer intelligent contract, so that the first resource transfer credential is transferred from the first user to the credential storage account of the second user according to the transfer path of the credential transfer between the first user and the second user.

After receiving the first resource certificate, the second user can verify the first resource certificate, and specifically can verify a certificate issuer (first user) of the first resource certificate and a cooperative business processing platform (bank); after the verification is passed, the first resource voucher is stored, and after the resource exchange validity period of the first resource voucher is reached, a second user can apply for resource exchange to a service processing platform node based on the first resource voucher; alternatively, the first and second electrodes may be,

after the detection reaches the resource exchange effective period of the first resource voucher, if a resource exchange request sent by a second user is not received, the service processing platform node transfers the resource corresponding to the resource amount to be exchanged in the first resource voucher to a resource account of the second user.

The first resource voucher is only one accounting voucher, the first user can realize resource settlement by transferring the resource voucher to the second user, the second user can exchange the resources to the service processing platform node based on the resource voucher, and actual resource transfer is not needed between the first user and the second user.

Taking the resource as an example, the first resource voucher is a first accounting voucher, the service processing platform node is a bank terminal node, the first user is a buyer, the second user is a seller, and after the first user purchases a commodity from the second user, the first user can initiate an accounting voucher generation request to the bank terminal node to replace actual fund payment by sending the accounting voucher to the second user; after receiving the accounting voucher sent by the first user, the second user can send a fund exchange request to a bank terminal node based on the accounting voucher so as to obtain the related fee to be charged after the first user sells commodities.

In addition, the embodiment of the present disclosure is only schematically illustrated by the first user and the second user, and in practical applications, the resource credential may be circulated among a plurality of users.

Taking the resource as an example, a specific voucher transfer schematic diagram is shown in fig. 2, a bank in fig. 2 is a service processing platform, a bank a, a bank B, and a bank C may be the same bank, may be different branches of the same bank, or different banks with service cooperation, and a primary transfer party, a secondary transfer party, a tertiary transfer party, … …, and an N-stage transfer party in fig. 2 are different users, and specifically includes the following steps:

step 1, the bank A gives a certain credit line to the primary circulation party.

The primary circulation party applies for a first accounting voucher to the bank A based on the credit line.

And 2, the primary circulation party circulates the first bookkeeping voucher to the secondary circulation party.

And 3, the second-level circulation party circulates the first bookkeeping voucher to the third-level circulation party.

And 4, the bank B gives a certain credit line to the third-level circulation party.

The third-level circulation party can apply for a second bookkeeping voucher to the bank B based on the credit line.

And 5, the third-level circulation party circulates the first accounting voucher and the second accounting voucher to the fourth-level circulation party in a combined mode.

After the fourth-level circulation party receives the first bookkeeping voucher and the second bookkeeping voucher, the first bookkeeping voucher and the second bookkeeping voucher can still be circulated to other circulation parties, the second-level circulation party, the third-level circulation party and the fourth-level circulation party can all serve as N-level circulation parties (N is a positive integer larger than 1), and after the N-level circulation parties receive the bookkeeping vouchers, fund conversion can be carried out on the bank C based on the bookkeeping vouchers.

And 6, the N-level circulation party pays funds to the bank C based on the bookkeeping voucher.

Specifically, N is a positive integer greater than 1, the secondary circulation party, the tertiary circulation party and the quaternary circulation party can all be used as N-level circulation parties, taking N equal to four as an example, after the quaternary circulation party receives the first bookkeeping voucher and the second bookkeeping voucher, and after determining that the fund exchange validity period in the first bookkeeping voucher or the second bookkeeping voucher is reached, the bank can apply for fund exchange based on the first bookkeeping voucher or the second bookkeeping voucher.

In addition, after receiving the first resource credential, the first user may apply for modifying the resource exchange validity period in the first resource credential, which may specifically be implemented in the following manner:

Specifically, after each first user transfers the resource voucher to a second user, the second user can exchange the resource based on the resource voucher, so as to ensure the related rights and interests of the second user, a resource exchange validity period can be set in each bookkeeping voucher, the resource exchange validity period carried in the first resource voucher generated by the service processing platform node for the first user is an initial validity period, before the first user transfers the voucher to the second user, if the resource exchange validity period in the first resource voucher needs to be modified, the second resource voucher generation request can be sent to the service processing platform node, and the service processing platform node generates the second resource voucher for the first user based on the resource exchange validity period carried in the second resource voucher generation request and the resource quota in the first resource voucher; alternatively, the first and second electrodes may be,

and under the condition that the second user receives the first resource voucher and needs to transfer the first resource voucher to other users, a resource voucher generation request can be sent to a service processing platform node based on the first resource voucher, and the service processing platform node generates a new resource voucher for the second user again according to the resource exchange validity period in the resource voucher generation request and the resource limit of the first resource voucher.

In addition, before the user transfers the resource voucher, the resource exchange validity period in the resource voucher can be modified, so that the high availability of the resource voucher is ensured.

Further, when it is determined that the resource exchange validity period of the second resource credential is greater than the resource exchange validity period of the first resource credential, part of the resources of the second user need to be stored as guaranteed resources, which can be specifically implemented in the following manner:

Specifically, if the resource exchange validity period in the first resource credential is the term a, the first user needs to adjust the term a to the term B (the term B is later than the term a), wherein the resource exchange validity period is adjusted, and the condition that the adjusted validity period is longer belongs to credential mismatch.

If the mismatch of the certificates does not exist, the first user transfers the first resource certificate to the second user, the second user transfers the first resource certificate to the third user, and after the resource exchange validity period of the first resource certificate is reached, the first user needs to transfer the resource corresponding to the resource amount in the first resource certificate to a resource account of the third user;

if the certificate mismatch exists, after the first user transfers the first resource certificate to the second user, the second user applies for modifying the resource exchange validity period A in the first resource certificate into a resource exchange validity period B, generates a second resource certificate based on the modified resource exchange validity period, transfers the second resource certificate to a third user by the second user, because the resource exchange validity period A in the first resource certificate is earlier than the resource exchange validity period B in the second resource certificate, after the resource exchange validity period A of the first resource certificate arrives, the first user needs to transfer the resource corresponding to the resource quota in the first resource certificate into the resource account of the second user, and after the resource exchange validity period B of the second resource certificate arrives, the second user needs to transfer the resource corresponding to the resource quota in the second resource certificate into the resource account of the third user, in order to avoid the resource consumption of the second user transferring the first user in the resource account before the resource exchange validity period B is not reached, the resource transferred by the first user needs to be stored in the guaranteed resource storage account as a guaranteed resource.

Taking the resource as an example, when the secondary circulation party receives the first bookkeeping voucher sent by the primary circulation party, the valid period of the fund conversion in the first bookkeeping voucher is 1 month (if the date of starting circulation of the voucher from the primary circulation party is 8 months and 30 days, the valid period is 9 months and 30 days), the fund amount is 5W, if the secondary circulation party needs to modify the valid period of the fund conversion in the first bookkeeping voucher, the secondary circulation party sends a bookkeeping voucher generation request to the service processing platform node to request that the valid period of the fund conversion in the first bookkeeping voucher is changed to 2 months (the valid period is 10 months and 30 days), after receiving the second bookkeeping voucher generated by the service processing platform node according to the bookkeeping voucher generation request, the second bookkeeping voucher is circulated to the tertiary circulation party, because the valid period of the fund conversion in the first bookkeeping voucher is 9 months and 30 days, therefore, after the fund exchange validity period of the first accounting voucher arrives, the first user transfers funds with corresponding amount to the resource account of the second user, the transferred funds amount is equal to the corresponding funds amount in the first accounting voucher, and the second user needs to store the funds into the deposit account after receiving the transferred funds of the first user because the resource exchange validity period of the second accounting voucher does not arrive.

And under the condition that the resource exchange effective period of the second resource voucher is longer than that of the first resource voucher, the first user needs to store a certain amount of guaranteed resources, so that the chargeback certainty of the user holding the resource voucher is ensured.

In addition, the guaranteed resource in the guaranteed resource storage space is transferred to the resource account of the second user when the resource exchange validity period of the second resource certificate is detected to be reached.

As mentioned above, after the validity period of the resource exchange is reached, the second user needs to transfer the resource corresponding to the resource amount in the first resource voucher or the second resource voucher into the resource account of the third user, and if there is a mismatch of the vouchers, since the validity period of the fund exchange in the first accounting voucher is 9 months and 30 days earlier than the validity period of the fund exchange in the second accounting voucher by 10 months and 30 days, after the validity period of the fund exchange in the first accounting voucher is reached, the first user transfers the fund corresponding to the resource account amount of the second user to the first user, the transferred fund amount is equal to the corresponding fund amount in the first accounting voucher, and since the validity period of the resource exchange in the second accounting voucher is not reached, after the second user receives the fund transferred fund of the first user, the fund is stored into the security account, and after the validity period of the resource exchange in the third accounting voucher is reached by 10 months and 30 days, this portion of the deposit is transferred to the third user's funding account.

In specific implementation, after receiving the first resource credential, the first user may apply for splitting the first resource credential, which may specifically be implemented in the following manner:

Specifically, after receiving a first resource certificate sent by a service processing platform node, a first user can transfer the first resource certificate to a second user to realize resource settlement, if the resource quota of a resource to be settled (a resource to be allocated) between the first user and the second user is equal to the resource quota in the first resource certificate, the first resource certificate can be directly transferred to the second user, and if the resource quota to be settled between the first user and the second user is smaller than the resource quota in the first resource certificate, the resource quota in the first resource certificate can be divided, that is, a dividing request aiming at the resource quota in the first resource certificate is sent to the service processing platform node according to the resource quota of the resource to be allocated in service processing data of the first user and the second user;

after receiving the resource dividing request, the service processing platform node divides the resource quota in the first resource voucher according to the resource quota of the resource to be allocated, generates a second resource voucher containing the resource to be allocated, and sends the second resource voucher to the first client.

Taking the resource as an example, the user a submits a request for generating an accounting voucher to a bank node in the block chain based on the credit line of the bank, and stores a first accounting voucher returned by the bank in an accounting account, in the process that the user a performs accounting voucher transfer to the user B based on the first accounting voucher, if the fund line to be paid between the user a and the user B is equal to the fund line in the first accounting voucher, the first accounting voucher can be directly transferred to the user B, if the fund line to be paid between the user a and the user B is smaller than the fund line in the first accounting voucher, the fund line in the first accounting voucher can be split (divided), that is, according to the fund line to be paid in the business processing data of the user a and the user B, a split request for the fund line in the first accounting voucher is sent to the bank, and the split second accounting voucher is transferred to the user B, and the user B also stores the second accounting voucher in the accounting account, and after the fund cashing validity period of the second accounting voucher is reached, the user B can carry out fund cashing to the bank.

Fig. 3 shows a schematic diagram of a circulation process of an accounting voucher provided in an embodiment of the present specification, where the credit line of the primary circulation party is 200W, the credit line of the tertiary circulation party is 100W, and the primary circulation party may send an accounting voucher generation request to a bank to generate a first accounting voucher with a fund line of 10W and a fund conversion validity period of 1 month.

Under the condition that a primary circulation party receives a first bookkeeping voucher sent by a bank, the fund conversion validity period in the first bookkeeping voucher is 1 month (if the voucher starts circulation from the primary circulation party is 8 months and 30 days, the validity period is changed into 9 months and 30 days), the fund amount is 10W, if the primary circulation party needs to divide the fund amount in the first bookkeeping voucher, the primary circulation party sends a bookkeeping voucher generation request to a service processing platform node, the request divides the fund 10W in the first bookkeeping voucher into two 5W, the fund conversion validity period is unchanged, and after a second bookkeeping voucher generated by the service processing platform node according to the bookkeeping voucher generation request is received, the second bookkeeping voucher can be transferred to a secondary circulation party;

if the second-level circulation party needs to modify the valid period of the fund conversion in the second bookkeeping voucher, the second-level circulation party sends a request for generating a bookkeeping voucher to the service processing platform node, the request changes the valid period of the fund conversion in the second bookkeeping voucher to 2 months (the valid period is changed to 10 months and 30 days), after receiving a third bookkeeping voucher generated by the service processing platform node according to the request for generating the bookkeeping voucher, the third bookkeeping voucher is circulated to the third-level circulation party, because the valid period of the fund conversion in the second bookkeeping voucher is 9 months and 30 days, after the valid period of the fund conversion of the second bookkeeping voucher arrives, the first user transfers funds to the resource account of the second user with corresponding amount, the transferred funds amount is equal to the corresponding funds in the second bookkeeping voucher, and because the valid period of the resource conversion of the third bookkeeping voucher does not arrive, therefore, after receiving the funds transferred by the first user, the second user needs to deposit the funds into the deposit account, and transfers the deposit into the fund account of the third user after the resource exchange validity period of the third accounting voucher is reached for 10 months and 30 days.

In addition, after the third circulation party receives the third accounting voucher, the fourth accounting voucher (the fund amount is 10W, and the fund exchange period of validity is 1 month) generated by the bank for the third accounting voucher and the third accounting voucher can be combined to generate a fifth accounting voucher (the fund amount is 15W, and the fund exchange period of validity is 3 months) and the fifth accounting voucher is circulated to other users, and before the users circulate the resource vouchers, the resources in the resource vouchers can be divided, so that the high availability of the resource vouchers is ensured.

In specific implementation, after receiving the first resource credential, the second user may exchange the resource based on the first resource credential, which may specifically be implemented in the following manner:

Further, after receiving the resource redemption request submitted by the second user for the first resource credential, the method further includes:

Specifically, after receiving the first resource credential, the second user may apply for resource exchange to the service processing platform node based on the first resource credential, because the first resource credential has a resource exchange validity period, after the resource exchange validity period arrives, the first user needs to transfer the resource with a corresponding amount in the first resource credential to the resource account opened at the service processing platform node, and then the second user may apply for resource exchange to the service processing platform node based on the first resource credential, if the second user applies for resource exchange after the resource exchange validity period arrives, it is not necessary to deduct the resource from the second user, if the second user applies for resource exchange before the resource exchange validity period arrives, because the first user does not transfer the resource with a corresponding amount in the first resource credential to the resource account of the service processing platform node, therefore, if the second user exchanges the resources in advance, the second user needs to pay a certain amount of resources to be deducted.

In practical application, the amount of the resource to be deducted can be determined according to the time difference between the resource exchange validity period of the first resource voucher and the time point of receiving the resource exchange request, the time difference is positively correlated with the amount of the resource to be deducted, the specific determination mode can be determined according to actual requirements, and no limitation is imposed on the determination mode.

Fig. 4 shows a schematic diagram of a service processing process based on a blockchain, where the blockchain includes three service processing platform nodes (bank terminal nodes) and one blockchain link node different from the service processing platform nodes, but in practical applications, the numbers of the service processing platform nodes and other blockchain nodes included in the blockchain are determined according to actual requirements, and are not limited herein.

The service processing platform node is used for receiving the certificate generation request, the certificate splitting request or the resource exchange request, the block link node is used for receiving the certificate transfer request, the certificate generation process, the certificate splitting process and the resource exchange process can be achieved by calling an intelligent contract, the achieving process is similar to the resource certificate transfer process, and details are not repeated here.

A user A submits a bookkeeping voucher generation request to a bank terminal node based on the credit amount of a bank, and stores a first bookkeeping voucher returned by the bank terminal node in a bookkeeping account, the user A can directly transfer the first bookkeeping voucher to the user B if the amount of funds to be paid between the user A and the user B is equal to the amount of funds in the first bookkeeping voucher in the process of transferring the bookkeeping voucher to the user B based on the first bookkeeping voucher, and split (divide) the amount of funds in the first bookkeeping voucher if the amount of funds to be paid between the user A and the user B is less than the amount of funds in the first bookkeeping voucher, namely, a split request aiming at the amount of funds in the first bookkeeping voucher is sent to the bank terminal node according to the amount of funds to be paid in business processing data of the user A and the user B, and a split second bookkeeping voucher is transferred to the user B, and the user B also stores the second accounting voucher in the accounting account, and after the fund cashing validity period of the second accounting voucher is reached, the user B can carry out fund cashing to the bank.

When a user A or a user B requests to prolong the fund exchange validity period in the accounting voucher, part of the fund needs to be stored in the virtual fund account, for example, the user A holds a first accounting voucher, the user A applies for prolonging the fund exchange validity period in the first accounting voucher, the bank terminal node generates a second accounting voucher based on the application, the user A transfers the second accounting voucher to the user B, meanwhile, the virtual fund account stores a certain amount of the fund, the fund user A stored in the virtual fund account cannot use the fund, and after the fund exchange validity period of the second accounting voucher reaches, the bank transfers the fund into the fund account of the user B.

A block chain-based business processing process schematic diagram applied to a logistics scenario is shown in fig. 5, after a user initiates a consignment request to a network freight platform, the network freight platform dispatches an order to the driver, the driver transports goods according to the order dispatched by the network freight platform, after the transportation is completed, an order receipt is generated based on the order, the network freight platform performs reconciliation with the user according to the order receipt, the user performs fund settlement to the network freight platform according to the reconciliation result, specifically, the settlement of the network freight platform is completed in a manner of transferring a first bookkeeping voucher generated by a bank terminal node (bookkeeping voucher center) to the network freight platform, after the network freight platform receives the first bookkeeping voucher, the first bookkeeping voucher can be split by the network freight platform through the bookkeeping voucher center, and a second bookkeeping voucher generated by splitting is transferred to the driver, and after the driver receives the second bookkeeping voucher, fund exchange can be carried out to the bookkeeping voucher center based on the second bookkeeping voucher, and the bookkeeping voucher center can upload bookkeeping voucher generation information, bookkeeping voucher circulation information, bookkeeping voucher splitting information, fund exchange information and the like to the block chain.

The method comprises the steps that a resource credential transfer request submitted by a first user through a first client is received, the resource credential transfer request is used for requesting to transfer a first resource credential of the first user to a second user, the first resource credential is generated according to the magnitude relation between the available credit line of the first user and the resource line to be settled, a credential transfer intelligent contract corresponding to the resource credential transfer request is called, and under the condition that the execution condition of the credential transfer intelligent contract is met, the credential transfer logic declared by the credential transfer intelligent contract is executed, and the first resource credential is transferred to a credential storage account of the second user;

realizes the transfer of the intelligent contract for transferring the certificate to realize the circulation of the resource certificate according to the certificate transfer logic stated in the intelligent contract for transferring the certificate, is beneficial to improving the efficiency of certificate circulation, and, in the process of carrying out the certificate flow transfer through the certificate transfer intelligent contract, the certificate flow record and the certificate flow result can be stored in the block chain, the stability and the reliability of uplink data can be ensured by utilizing the openness and the non-tamper property of the data in the block chain, in addition, a certain available credit line is issued for the user through the credit of the user, the user can request the service processing platform node to generate a resource voucher for the user based on the available credit line, the service settlement is realized through the resource voucher, the return certainty of the second user is ensured by utilizing the resource voucher, and the problem of resource shortage of the user is solved to a certain extent by utilizing the circulation effect of the resource voucher.

Corresponding to the above method embodiment, the present specification further provides an embodiment of a service processing apparatus based on a block chain, and fig. 6 shows a schematic diagram of a service processing apparatus based on a block chain provided in an embodiment of the present specification. As shown in fig. 6, the apparatus includes:

a receiving module 602, configured to receive a resource credential transfer request submitted by a first user through a first client, where the resource credential transfer request is used to request to transfer a first resource credential of the first user to a second user, and the first resource credential is generated according to a size relationship between an available credit line of the first user and a resource line to be settled;

a calling module 604 configured to call a credential transfer intelligence contract corresponding to the resource credential transfer request;

a transfer module 606 configured to execute the credential transfer logic of the credential transfer intelligent contract statement to transfer the first resource credential to the credential storage account of the second user if the execution condition of the credential transfer intelligent contract is monitored to be satisfied.

accordingly, the transfer module 606 includes:

a transfer sub-module configured to transfer the first resource credential to a credential storage account of a second user based on a transfer path of credential transfer between the first user and the second user.

Optionally, the credential transfer smart contract is created by:

Optionally, the device for processing a service based on a block chain further includes:

a resource credential generation request receiving module configured to receive a resource credential generation request initiated by the first user through the first client;

and the first resource certificate generation module is configured to determine the available credit line of the first user, generate a first resource certificate containing a corresponding resource line according to the size relationship between the available credit line and the resource line to be settled in the resource certificate generation request, and return the first resource certificate.

a resource exchange request receiving module configured to receive a resource exchange request submitted by the second user for the first resource credential;

and the resource transfer module is configured to transfer the resource corresponding to the corresponding resource limit to the resource account of the second user under the condition that the validity of the first resource certificate is verified.

a detection module configured to detect whether a resource redemption validity period of the first resource credential is reached;

if the operation result of the detection module is negative, operating the calculation module;

the computing module is configured to compute the resource amount to be deducted according to the time difference between the resource exchange validity period and the time point of receiving the resource exchange request;

and the deduction module is configured to determine the resource limit to be exchanged in the first resource certificate, perform resource limit deduction on the resource corresponding to the resource limit to be exchanged based on the resource limit to be deducted, and transfer the resource of the deducted residual limit into the resource account of the second user.

a request receiving module configured to receive a second resource credential generation request sent by the first user for the first resource credential;

and the exchange module is configured to generate a second resource certificate containing the corresponding resource amount based on the resource exchange validity period carried in the second resource certificate generation request, and send the second resource certificate to the first user.

an information sending module configured to send a resource storage guarantee prompt to the first user when detecting that the resource exchange validity period of the second resource credential is greater than the resource exchange validity period of the first resource credential;

and the storage module is configured to store the resources transferred by the first user and corresponding to the amount in the second resource voucher as guaranteed resources to a guaranteed resource storage space applied for opening by the first user after the resource exchange validity period of the first resource voucher arrives.

a resource transfer module configured to transfer the guaranteed resource in the guaranteed resource storage space to a resource account of the second user upon detecting that the resource exchange validity period of the second resource credential is reached.

a resource dividing request receiving module configured to receive a resource dividing request sent by the first user for the first resource credential, where the resource dividing request includes a resource quota of a resource to be allocated;

the resource dividing module is configured to divide the corresponding resource limit in the first resource certificate based on the resource limit of the resource to be distributed;

and the credential generation module is configured to generate a second resource credential containing the resource to be allocated based on the division result, and send the second resource credential to the first user.

Optionally, the first resource credential generating module includes:

the query submodule is configured to query the available credit line of the first user according to the user identification carried in the resource credential generation request;

the first generation submodule is configured to generate the first resource voucher according to the resource quota to be settled and return the first resource voucher under the condition that the available credit quota is determined to be larger than the resource quota to be settled carried in the resource voucher generation request; or the like, or, alternatively,

and the second generation submodule is configured to generate the first resource voucher according to the available credit line and return the first resource voucher under the condition that the credit line value of the available credit line is determined to be less than or equal to the resource line to be settled carried in the resource voucher generation request.

The above is a schematic scheme of a service processing apparatus based on a block chain according to this embodiment. It should be noted that the technical solution of the service processing apparatus based on the blockchain belongs to the same concept as the technical solution of the service processing method based on the blockchain, and details of the technical solution of the service processing apparatus based on the blockchain, which are not described in detail, can be referred to the description of the technical solution of the service processing method based on the blockchain.

FIG. 7 illustrates a block diagram of a computing device 700 provided in accordance with one embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 7 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 700 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 700 may also be a mobile or stationary server.

Wherein the memory 710 is configured to store computer executable instructions, and the processor 720 is configured to execute the following computer executable instructions for implementing the steps of the service processing method based on the block chain.

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the service processing method based on the block chain belong to the same concept, and details of the technical solution of the computing device, which are not described in detail, can be referred to the description of the technical solution of the service processing method based on the block chain.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions, which when executed by a processor, are used for implementing the steps of the block chain based service processing method.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the service processing method based on the block chain belong to the same concept, and details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the service processing method based on 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.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A service processing method based on block chain is applied to at least one block chain node of the block chain, and comprises the following steps:

receiving a second resource voucher generation request sent by a first user aiming at a first resource voucher, wherein the first resource voucher is generated according to the size relation between the available credit line of the first user and the resource line to be settled;

generating a second resource voucher containing a corresponding resource amount based on the resource exchange validity period carried in the second resource voucher generation request, and sending the second resource voucher to the first user;

receiving a resource credential transfer request submitted by the first user through a first client, wherein the resource credential transfer request is used for requesting to transfer the second resource credential of the first user to a second user;

and executing the credential transfer logic of the credential transfer intelligent contract statement to transfer the second resource credential to the credential storage account of the second user under the condition that the execution condition of the credential transfer intelligent contract is met.

2. The blockchain-based business processing method of claim 1, wherein the credential transfer smart contract includes a transfer path for credential transfer between a first user and a second user;

correspondingly, the transferring the second resource credential to the credential storage account of the second user includes:

and transferring the second resource credential to a credential storage account of the second user based on a transfer path of credential transfer between the first user and the second user.

3. The blockchain-based business processing method of claim 1, wherein the credential transfer intelligence contract is created by:

4. The blockchain-based traffic processing method according to claim 1, the blockchain further comprising at least one traffic processing platform node, the method further comprising:

5. The blockchain-based traffic processing method according to claim 4, further comprising:

receiving a resource redemption request submitted by the second user for the second resource credential;

and transferring the resource corresponding to the corresponding resource limit to the resource account of the second user under the condition that the validity verification of the second resource certificate is passed.

6. The blockchain-based business processing method of claim 5, further comprising, after receiving the resource exchange request submitted by the second user for the second resource credential:

detecting whether the resource exchange validity period of the second resource voucher is reached;

and determining the resource limit to be exchanged in the second resource voucher, deducting the resource limit corresponding to the resource limit to be exchanged based on the resource limit to be deducted, and transferring the resource with the deducted residual limit into a resource account of the second user.

7. The blockchain-based business processing method of claim 4, further comprising, after the generating the second resource credential containing the corresponding resource quota:

8. The blockchain-based traffic processing method according to claim 7, further comprising:

9. The blockchain-based traffic processing method according to claim 4, further comprising:

10. The service processing method according to claim 4, wherein the generating a first resource voucher including a corresponding resource quota according to a size relationship between an available credit quota of the first user and a resource quota to be settled in the resource voucher generation request includes:

11. A blockchain-based traffic processing apparatus, comprising:

the first receiving module is configured to receive a second resource voucher generation request sent by a first user aiming at a first resource voucher, wherein the first resource voucher is generated according to the size relation between the available credit line of the first user and the resource line to be settled;

the sending module is configured to generate a second resource certificate containing a corresponding resource amount based on the resource exchange validity period carried in the second resource certificate generation request, and send the second resource certificate to the first user;

a second receiving module configured to receive a resource credential transfer request submitted by the first user through a first client, the resource credential transfer request being used to request transfer of the second resource credential of the first user to a second user;

a transfer module configured to execute the credential transfer logic of the credential transfer intelligent contract statement to transfer the second resource credential to the credential storage account of the second user if the execution condition of the credential transfer intelligent contract is monitored to be satisfied.

12. A computing device, comprising:

a memory and a processor;

the memory is configured to store computer-executable instructions, and the processor is configured to execute the computer-executable instructions to implement the steps of the blockchain based traffic processing method according to any one of claims 1 to 10.

13. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the blockchain based traffic processing method of any one of claims 1 to 10.