CN113538122A - Method, apparatus, medium, and program product for borrowing resources - Google Patents

Method, apparatus, medium, and program product for borrowing resources Download PDF

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CN113538122A
CN113538122A CN202110832175.9A CN202110832175A CN113538122A CN 113538122 A CN113538122 A CN 113538122A CN 202110832175 A CN202110832175 A CN 202110832175A CN 113538122 A CN113538122 A CN 113538122A
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resource
information
borrowing
target
request
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王瑞
曹普通
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Shanghai Shengpay E Payment Service Co ltd
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Shanghai Shengpay E Payment Service Co ltd
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Abstract

The invention aims to provide a method, equipment, medium and program product for borrowing resources, the method, equipment, medium and program product construct a block chain resource borrowing platform based on a block chain technology, a resource issuing company is resident through the resource borrowing platform, the issuing rate and the returning resource plan of the resource issuing company are all solidified in a block chain account book, the issuing account, the issuing resource and the returning resource are all embodied on an intelligent contract and are transparent in the link of issuing resources, the resource borrowing platform internally settles the cost of the resource as a target order to a target agent after the resource issuing company issues the resource to a small micro-merchant, thereby ensuring the resource special use of the borrowed resource, reducing the resource issuing risk of the resource issuing company, improving the resource borrowing speed and the resource borrowing efficiency of the small micro-merchant, and reducing the resource borrowing rate and the resource borrowing threshold of the small micro-merchant, the resource issuing transparency of the resource issuing company is improved, and the rights and interests of the small and micro merchants are guaranteed.

Description

Method, apparatus, medium, and program product for borrowing resources
Technical Field
The present application relates to the field of communications, and in particular, to a technique for borrowing resources.
Background
In the prior art, in various industries, such as automobile beauty treatment, repair and the like, a small and tiny merchant takes goods to a dealer, and the fund exchange is mainly carried out in a mode of a) cash settlement, so that the small and tiny merchant has higher fund pressure, the stock is reduced, and the operation and the income of the small and tiny merchant are influenced; b) the small merchant and the dealer agree on the account period orally, only the small merchant with long-term cooperation and large water flow can negotiate with the dealer for regular settlement, and the threshold is high; c) the borrowing company borrows money, and the borrowing company is only responsible for checking the borrowed funds to put in the card, can not supervise the use after the funds of the small and micro merchant are paid out, and has larger fund risk, so the borrowing rate is higher, and part of the borrowing company puts in the opaque money, has the disorder of extra charge or change of interest, less money put and the like, and the rights and interests of the small and micro merchant are difficult to guarantee.
Disclosure of Invention
It is an object of the present application to provide a method, apparatus, medium, and program product for borrowing resources.
According to an aspect of the present application, there is provided a method for borrowing resources, the method comprising:
receiving a resource borrowing application request, which is sent by a second system and is aimed at a target order to be paid of a target agent, of a target merchant;
performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sending first notification information corresponding to the resource borrowing request information to the second system and the third system;
Receiving a resource borrowing query request which is sent by the third system and is related to the first notification information, querying from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information and returning the resource borrowing request information to the third system, receiving resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and writing the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract;
receiving resource issuing voucher information which is sent by the third system and related to the resource borrowing request information, writing the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information to the target agent, and updating the state of the target order from to-be-paid to paid.
According to another aspect of the present application, there is provided a method for borrowing resources, the method comprising:
responding to resource borrowing application operation executed by a target merchant aiming at a target order to be paid of a target agent, generating a resource borrowing application request corresponding to the target order, and sending the resource borrowing application request to a first system;
Receiving first notification information which is sent by the first system and related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request is accepted, wherein the first system performs resource borrowing qualification auditing on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block link network platform by calling a first intelligent contract, and sends the first notification information corresponding to the resource borrowing request information to the second system and the third system;
receiving third notification information which is sent by the first system and is related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request passes the audit, wherein the first system receives a resource borrowing query request which is sent by the third system and is related to the first notification information, queries from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system, writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract, and sends third notification information corresponding to the resource borrowing audit passing information to the second system;
Receiving second notification information which is sent by the first system and is related to the resource borrowing application request, and notifying the target merchant that the resource corresponding to the resource borrowing application request is issued, wherein the first system receives resource issuing voucher information which is sent by the third system and is related to the target order, writes the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, sends the second notification information corresponding to the resource issuing voucher information to the second system, settles the cost of the resource corresponding to the resource issuing voucher information as the target order to the target agent, and updates the state of the target order from waiting for payment to paid.
According to another aspect of the present application, there is provided a method for borrowing resources, the method comprising:
receiving first notification information which is sent by a first system and is related to a resource borrowing application request of a target order to be paid of a target agent by a target merchant, wherein the first system receives the resource borrowing application request sent by a second system, the first system conducts resource borrowing qualification auditing on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, a resource borrowing qualification file corresponding to the target merchant is generated and stored according to the resource borrowing qualification certification information, resource borrowing request information related to the target order is generated, the resource borrowing request information is written into a block chain network platform by calling a first intelligent contract, and the first notification information corresponding to the resource borrowing request information is sent to the second system;
Responding to a resource borrowing query operation executed by a resource issuing company for the first notification information, generating a resource borrowing query request related to the first notification information, and sending the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, queries from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information, and returns the resource borrowing request information to the third system;
obtaining the resource borrowing qualification file according to first address information corresponding to the resource borrowing qualification file, responding to resource borrowing auditing operation executed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, generating resource borrowing auditing passing information corresponding to the resource borrowing request information, and sending the resource borrowing auditing passing information to the first system, so that the first system receives the resource borrowing auditing passing information sent by the third system, and writes the resource borrowing auditing passing information into the block chain network platform by calling a third intelligent contract;
Responding to a resource issuing voucher uploading operation executed by the resource issuing company aiming at the resource borrowing request information, generating resource issuing voucher information related to the resource borrowing request information, sending the resource issuing voucher information to the first system, enabling the first system to receive the resource issuing voucher information sent by the third system, writing the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information to the target agent, and updating the state of the target order from waiting for payment to paid.
According to an aspect of the present application, there is provided a method for returning a resource, the method comprising:
receiving a resource returning application request, sent by a second system, of a target merchant for a paid target order of a target agent, settling returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information about the target order, writing the resource returning voucher information into a block chain network platform by calling a fifth intelligent contract, and sending fourth known information corresponding to the resource returning voucher information to the third system;
And receiving resource returning confirmation information which is sent by the third system based on the fourth notification information and is about the target order, and closing the target order.
According to another aspect of the present application, there is provided a method for returning a resource, the method comprising:
responding to an application returning resource operation executed by a target merchant for a paid target order of a target agent, generating a resource returning application request of the target merchant for the target order, sending the resource returning application request to the first system, enabling the first system to receive the resource returning application request sent by the second system, settling a resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information related to the target order, writing the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, sending fourth known information corresponding to the resource returning voucher information to the third system, and receiving resource returning confirmation information related to the target order sent by the third system based on the fourth known information, closing the target order.
According to another aspect of the present application, there is provided a method for returning a resource, the method comprising:
receiving fourth known information which is sent by a first system and corresponds to resource returning voucher information of a target order paid by a target merchant for a target agent, wherein the first system receives a resource returning application request which is sent by a second system and is about the target order, settles returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning voucher information about the target order, writes the resource returning voucher information into a block chain network platform by calling a fifth intelligent contract, and sends the fourth known information corresponding to the resource returning voucher information to a third system;
and in response to a resource returning confirmation operation executed by a resource issuing company for the fourth notification information, generating resource returning confirmation information about the target order and sending the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information.
According to an aspect of the present application, there is provided a first apparatus for borrowing a resource, the apparatus comprising:
The one-to-one module is used for receiving a resource borrowing application request, sent by the second system, of a target merchant for a target order to be paid of a target agent;
a second module, configured to perform resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generate and store a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generate resource borrowing request information related to the target order, write the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and send first notification information corresponding to the resource borrowing request information to the second system and the third system;
a third module, configured to receive a resource borrowing query request related to the first notification information sent by the third system, obtain the resource borrowing request information by querying from the blockchain network platform by invoking a second intelligent contract, return the resource borrowing request information to the third system, receive resource borrowing approval pass information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and write the resource borrowing approval pass information into the blockchain network platform by invoking a third intelligent contract;
A fourth module, configured to receive resource issuance credential information related to the resource borrowing request information sent by the third system, write the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settle a fee of the target order, which is a resource corresponding to the resource issuance credential information, to the target agent, and update a state of the target order from to-be-paid to paid.
According to another aspect of the present application, there is provided a second apparatus for borrowing a resource, the apparatus including:
the system comprises a first module, a second module and a third module, wherein the first module is used for responding to a resource borrowing application operation executed by a target merchant aiming at a target order to be paid of a target agent, generating a resource borrowing application request corresponding to the target order, and sending the resource borrowing application request to a first system;
a second module, configured to receive first notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has been accepted, where the first system performs resource borrowing qualification audit on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information if the audit is passed, generates resource borrowing request information about the target order, writes the resource borrowing request information into a block link network platform by calling a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and the third system;
A second and third module, configured to receive third notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has passed audit, where the first system receives a resource borrowing query request about the first notification information sent by the third system, obtains the resource borrowing request information by querying from the block chain network platform by invoking a second intelligent contract and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system, writes the resource borrowing audit passing information into the block chain network platform by invoking the third intelligent contract, and sends third notification information corresponding to the resource borrowing passing information to the second system;
and a fourth module, configured to receive second notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource corresponding to the resource borrowing application request is issued, where the first system receives resource issuance credential information about the target order sent by the third system, writes the resource issuance credential information into the blockchain network platform by calling a fourth intelligent contract, sends the second notification information corresponding to the resource issuance credential information to the second system, settles the cost of the target order corresponding to the resource issuance credential information to the target agent as the cost of the target order, and updates the state of the target order from to-be-paid to paid.
According to another aspect of the present application, there is provided a third apparatus for borrowing a resource, the apparatus including:
a third module, configured to receive first notification information sent by the first system about a resource borrowing application request of a target merchant for a target order to be paid by a target agent, wherein, the first system receives the resource borrowing application request sent by the second system, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information to a blockchain network platform by invoking a first intelligent contract, sending the first notification information corresponding to the resource borrowing request information to the second system;
a third module, configured to generate a resource borrowing query request related to the first notification information in response to a resource borrowing query operation performed by a resource issuing company for the first notification information, and send the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, obtains the resource borrowing request information by invoking a second intelligent contract from the blockchain network platform, and returns the resource borrowing request information to the third system;
A third module, configured to obtain the resource borrowing qualification file according to first address information corresponding to the resource borrowing qualification file, generate resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, and send the resource borrowing audit passing information to the first system, so that the first system receives the resource borrowing audit passing information sent by the third system, and writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract;
and a third and fourth module, configured to generate resource issuance credential information related to the resource borrowing request information in response to a resource issuance credential uploading operation performed by the resource issuance company for the resource borrowing request information, send the resource issuance credential information to the first system, so that the first system receives the resource issuance credential information sent by the third system, writes the resource issuance credential information into the block chain network platform by invoking a fourth intelligent contract, settles the cost of the target order as the resource corresponding to the resource issuance credential information to the target agent, and updates the state of the target order from to be paid to paid.
According to an aspect of the present application, there is provided a first apparatus for returning a resource, the apparatus including:
a fourth module, configured to receive a resource returning application request, sent by a second system, of a target merchant for a target order paid by a target agent, settle a returning resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generate resource returning credential information about the target order, write the resource returning credential information into a block chain network platform by invoking a fifth intelligent contract, and send fourth notification information corresponding to the resource returning credential information to the third system;
and a fourth and second module, configured to receive resource returning confirmation information about the target order sent by the third system based on the fourth notification information, and close the target order.
According to another aspect of the present application, there is provided a second apparatus for returning a resource, the apparatus including:
a fifth module, configured to generate a resource returning application request for a target order from a target merchant in response to a resource returning application operation executed by the target merchant for the paid target order from a target agent, send the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles a resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, sends fourth information corresponding to the resource returning credential information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth information, closing the target order.
According to another aspect of the present application, there is provided a third apparatus for returning a resource, the apparatus including:
a sixth module, configured to receive fourth notification information, which is sent by a first system and corresponds to resource returning credential information of a target order paid by a target merchant for a target agent, where the first system receives a resource returning application request, which is sent by a second system, for the target order, settles returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning credential information for the target order, writes the resource returning credential information into a block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning credential information to a third system;
and a sixteenth module, configured to generate resource returning confirmation information about the target order in response to a resource returning confirmation operation performed by a resource issuing company for the fourth notification information, and send the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information.
According to one aspect of the present application, there is provided a computer apparatus for borrowing resources, comprising a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to implement the operations of any of the methods described above.
According to another aspect of the application, there is provided a computer device for returning resources, comprising a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to implement the operations of any of the methods described above.
According to an aspect of the application, there is provided a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, performs the operations of any of the methods described above.
According to an aspect of the application, a computer program product is provided, comprising a computer program which, when executed by a processor, carries out the steps of any of the methods as described above.
Compared with the prior art, the block chain resource borrowing platform is constructed based on the block chain technology, the resource issuing company is resident through the resource borrowing platform, the resource issuing rate and the resource returning plan are all solidified in a block chain account book, the resource issuing account, the resource issuing and the resource returning are all embodied on an intelligent contract, the transparency of the resource issuing link is ensured, the resource borrowing platform internally settles the cost of the resource as a target order to a target agent after the resource issued to the small micro merchant by the resource issuing company is paid, therefore, the resource special use of the borrowed resources is ensured, the resource distribution risk of the resource distribution company is reduced, the resource borrowing speed and the resource borrowing efficiency of the small micro-commercial customers are improved, the resource borrowing rate and the resource borrowing threshold of the small micro-commercial customers are reduced, the resource distribution transparency of the resource distribution company is improved, and the rights and interests of the small micro-commercial customers are guaranteed.
Drawings
Other features, objects and advantages of the present application will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, made with reference to the accompanying drawings in which:
FIG. 1 illustrates a system topology according to one embodiment of the present application;
FIG. 2 illustrates a flow chart of a method for borrowing resources for use in a first system according to one embodiment of the present application;
FIG. 3 illustrates a flow chart of a method for borrowing resources for a second system according to one embodiment of the present application;
FIG. 4 illustrates a flow chart of a method for borrowing resources applied to a third system according to one embodiment of the present application;
FIG. 5 illustrates a first device structure diagram for borrowing resources according to one embodiment of the present application;
FIG. 6 illustrates a second apparatus structure for borrowing resources according to one embodiment of the present application;
FIG. 7 illustrates a third apparatus structure for borrowing resources according to one embodiment of the present application;
FIG. 8 illustrates a flow diagram of a method for returning resources for use in a first system according to one embodiment of the present application;
FIG. 9 illustrates a flow diagram of a method for returning resources for use in a second system according to one embodiment of the present application;
FIG. 10 illustrates a flow diagram of a method for returning resources for a third system according to one embodiment of the present application;
FIG. 11 illustrates a first device structure diagram for returning resources according to one embodiment of the present application;
FIG. 12 illustrates a second device structure diagram for returning resources according to one embodiment of the present application;
FIG. 13 illustrates a third device structure diagram for returning resources according to one embodiment of the present application;
FIG. 14 illustrates a flow chart of a method for a merchant feature according to one embodiment of the present application;
FIG. 15 illustrates a flow chart of a method for issuing a loan product, according to one embodiment of the present application;
FIG. 16 illustrates a flow chart of a method for applying for a debit according to one embodiment of the present application;
fig. 17 illustrates a flow diagram of a method for auditing a loan, according to one embodiment of the present application;
FIG. 18 shows a flow diagram of a method for depositing a money according to one embodiment of the present application;
FIG. 19 shows a flow diagram of a method for making a payment according to one embodiment of the present application;
FIG. 20 illustrates a system architecture diagram for lending according to one embodiment of the present application;
FIG. 21 illustrates an exemplary system that can be used to implement the various embodiments described in this application.
The same or similar reference numbers in the drawings identify the same or similar elements.
Detailed Description
The present application is described in further detail below with reference to the attached figures.
In a typical configuration of the present application, the terminal, the device serving the network, and the trusted party each include one or more processors (e.g., Central Processing Units (CPUs)), input/output interfaces, network interfaces, and memory.
The Memory may include forms of volatile Memory, Random Access Memory (RAM), and/or non-volatile Memory in a computer-readable medium, such as Read Only Memory (ROM) or Flash Memory. 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 (PCM), Programmable Random Access 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, which can be used to store information that can be accessed by a computing device.
The device referred to in this application includes, but is not limited to, a user device, a network device, or a device formed by integrating a user device and a network device through a network. The user equipment includes, but is not limited to, any mobile electronic product, such as a smart phone, a tablet computer, etc., capable of performing human-computer interaction with a user (e.g., human-computer interaction through a touch panel), and the mobile electronic product may employ any operating system, such as an Android operating system, an iOS operating system, etc. The network Device includes an electronic Device capable of automatically performing numerical calculation and information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded Device, and the like. The network device includes but is not limited to a computer, a network host, a single network server, a plurality of network server sets or a cloud of a plurality of servers; here, the Cloud is composed of a large number of computers or web servers based on Cloud Computing (Cloud Computing), which is a kind of distributed Computing, one virtual supercomputer consisting of a collection of loosely coupled computers. Including, but not limited to, the internet, a wide area network, a metropolitan area network, a local area network, a VPN network, a wireless Ad Hoc network (Ad Hoc network), etc. Preferably, the device may also be a program running on the user device, the network device, or a device formed by integrating the user device and the network device, the touch terminal, or the network device and the touch terminal through a network.
Of course, those skilled in the art will appreciate that the foregoing is by way of example only, and that other existing or future devices, which may be suitable for use in the present application, are also encompassed within the scope of the present application and are hereby incorporated by reference.
In the description of the present application, "a plurality" means two or more unless specifically limited otherwise.
FIG. 1 illustrates a system topology according to one embodiment of the present application.
As shown in fig. 1, in the present scheme, a blockchain resource borrowing platform is built on a network device based on a blockchain technology, where resources include, but are not limited to, money, points, virtual money, and the like, and the blockchain resource borrowing platform is introduced by taking resources as money as an example, that is, the blockchain resource borrowing platform is introduced by taking a blockchain borrowing platform as an example in the present application, it should be understood by those skilled in the art that the blockchain resource borrowing platform can also be applied to resources of any other form, and details are not described here. For example, a blockchain lending platform is built on a network device based on Fabric blockchain technology. In some embodiments, the blockchain lending platform includes a first system, a second system, and a third system, where the first system includes, but is not limited to, a distributed ledger platform (e.g., a Fabric distributed ledger platform), an intelligent contract module, a certificate authority, a lending platform (including borrowing, placing, repayment, etc.), a transaction platform, an agent management platform, and a lending management platform, and the modules may be deployed on the same server, or the modules may be deployed on different servers. In some embodiments, the distributed ledger platform comprises a blockchain gateway (e.g., a Fabric gateway), a blockchain network platform (e.g., a Fabric network platform), and the like. In some embodiments, the second system includes, but is not limited to, a merchant client (e.g., a web page, applet, app client, etc.) located on a first user device used by a merchant, a merchant platform deployed on a server, and the like, and the third system includes, but is not limited to, a lending company client (e.g., a web page, applet, app client, etc.) located on a second user device used by a lending company person, a lending company platform deployed on a server, and the like, the merchant communicates with the second system through the first user device used by the merchant, the lending company person communicates with the third system through the second user device used by the lending company person, the second system communicates with the first system, and the third system communicates with the first system.
In some embodiments, The distributed ledger platform is a core component of The entire system, and connects The business participation bodies through a P2P networking structure, and can dynamically add and delete nodes, encrypt data on a chain through a PKCS (The Public-Key Cryptography Standards) encryption algorithm, and ensure security of data transmission and access, and implement transaction consensus in a Kafka (card reader card) cluster (distributed queue) manner, and ensure data consistency of each node, and use a relational/non-relational database and The like to ensure that data in The block chain system operation process is stored in a local storage space of each node. In some embodiments, the intelligent contract module is responsible for providing external service API, including the deployment, calling, execution and cancellation of contracts, for loan service, all participating entities need to deploy the same intelligent contract together, the code of the intelligent contract is stored in the bottom layer module chain module, and when a contract calling request is sent from the outside, the intelligent contract code is executed in a distributed mode by all the participating entities. In some embodiments, the certificate authority is responsible for generating public and private keys for each participating principal's node, application server, and the like. In some embodiments, the loan company platform issues loan products, accepts the loan and repayment notifications and performs corresponding business. And uploading and inquiring data to the block chain module by calling a program in the intelligent contract module. In some embodiments, the merchant platform provides a merchant incoming interface for external use, provides loan application in a web mode, and uploads and queries data to the blockchain module by calling the borrowing platform to repay and calling a program in the intelligent contract module. In some embodiments, the lending platform (including borrowing, placing, repayment, etc.) provides interfaces for borrowing, placing, repayment in an api manner, and uploads and queries data to the blockchain module by invoking a program in the intelligent contract module. In some embodiments, the transaction platform provides web-based payment from the mini-merchant to the dealer.
In some embodiments, the distributed ledger platform includes a blockchain gateway (e.g., Fabric gateway), a blockchain network platform (e.g., Fabric network platform), and the like, and modules such as the lending platform and the lending management platform in the first system call the blockchain gateway to complete data query and data uplink, where the blockchain gateway maintains a mapping relationship between service identification information (e.g., service codes) and intelligent contracts, and the blockchain gateway routes the requested service identification information to specific intelligent contracts in the intelligent contract module, and queries data from the blockchain network platform or writes data into the blockchain network platform by calling the chain codes in the intelligent contracts. In some embodiments, the blockchain gateway is used to isolate a blockchain network platform, details such as clients and chain codes of each organization in the blockchain network platform are hidden through definition conversion of service codes, and a caller accesses the blockchain network platform through a method provided by the blockchain gateway to complete operations such as inquiry and uplink. As an example, as shown in fig. 20, the lending platform provides product release and payment, the merchant platform provides lending and payment, the lending platform and the merchant platform call a Fabric gateway to complete data query and data chaining, the intelligent contract module provides contract deployment and contract calling, and the Fabric gateway completes data query from the Fabric network or data write into a block chain of the Fabric network by calling a chain code in a specific contract in the intelligent contract module.
In some embodiments, merchants (e.g., small micro-merchants, i.e., individual operating merchants with stores, stalls, but no license) enter the work through agents, each agent serving as an organization access blockchain lending platform; the payment platform is started and stopped in the whole service chain and serves as an organization access block chain lending platform; each borrowing company or borrowing platform is used as an organization access block chain borrowing platform, each organization has a node set, each agent organization and a payment platform organization establish a channel, and each borrowing company or borrowing platform organization and the payment platform organization establish a channel. In some embodiments, the payment platform is responsible for building and managing a block chain lending platform on the network equipment, a small and micro merchant generally has no development capability, the small and micro merchant is in butt joint with the payment platform through the agent platform, the work entering means that the small and micro merchant provides corresponding materials according to the account opening of the payment platform and the qualification (such as an identity card, a business license and the like) required by opening a product, and after the payment platform passes the audit, the small and micro merchant makes account opening and signing contracts on the small and micro merchant to complete the work entering process. In some embodiments, the organization is a mapping of an entity in the blockchain lending platform, and when business interaction is performed between each organization, a channel is created and stored through an independent account book of the channel, the channel is used for realizing isolation of the business in the blockchain lending platform, each channel represents a business and corresponds to a set of account books, and members in the channel are business participants, namely, the organization in the blockchain lending platform. In some embodiments, the service interaction between the organizations adopts SHA256(Secure Hash Algorithm 256) to encrypt private data, and RSA2048(Rivest-Shamir-Adleman 2048, public key cryptosystem 2048) to perform message signature verification. In some embodiments, due to the characteristics of the channel, each lending company or each lending platform has mutually isolated data of each agent and private data of the company, and the payment platform organization and other organizations establish the channel, so that the whole lending service is matched by the payment platform, and part of data of each organization is acquired by the payment platform and then displayed at the user equipment end corresponding to the payment platform.
In some embodiments, the transactions on the blockchain lending platform are divided into: simulation, sorting, verification and submission. The specific process is as follows:
1) an application program client corresponding to a certain organization calls a certificate service through an SDK (software development kit), registers and registers are carried out, a transaction certificate and a communication certificate are obtained (the client which obtains the certificate does not need to register), each organization has own certificate, the certificates comprise a registration certificate, a transaction certificate, a communication certificate and the like, the registration certificate is issued to a user or a node and other entities which provide the registration certificate, represents the identity in a network and is generally valid for a long time; the transaction certificate is issued to the user to control the authority of each transaction, different transactions can be different, anonymity is realized, and the short-term validity is realized; the communication certificate controls the access to the network layer, and can verify the identity of a remote entity to prevent eavesdropping.
2) The application program client side initiates a transaction Proposal (promosal) to the block chain network through the SDK, the transaction Proposal sends information such as contract identification, contract method and parameter information, client side signature and the like to be called in the transaction to an endorsement (Endorser) node, and the transaction Proposal comprises but is not limited to channel information, chain code information to be called, a timestamp, the signature of the client side, and the content of the submitted transaction itself.
3) After the endorsement (Endorser) node receives the transaction Proposal (promosal), the transaction is verified, including but not limited to: whether the transaction proposal format is correct; transactions have not been submitted before (repetitive attack protection); whether the signature of the client submitting the transaction proposal is valid; whether a requester submitting a transaction proposal has corresponding execution authority in the channel or not; and signing after verification and determining whether the submitter is authorized to execute the operation, simulating and executing an intelligent contract according to the endorsement policy, and sending the result and the respective CA certificate signature thereof back to the application program client.
4) After receiving the information returned by the endorsement (Endorser) node, the application program client judges whether the proposal result is consistent and whether the proposal result is executed by referring to the appointed endorsement strategy, and if the endorsement is insufficient (at least two node endorsements), the application program client stops processing; otherwise, the application client packs the data together to form a transaction and signs, and sends the transaction to an ordering (Order) node.
5) The transaction request is submitted to the ordering node, the transaction will contain the read/write set, the endorsement signature and the channel ID, and after the ordering node receives the transaction request, it simply receives the transactions from all the channels in the network, orders them in time order, and creates a transaction block, without checking the specific data in the transaction. And then broadcast to all organized master (Leader) nodes within the same channel.
6) The master node verifies the received blocks (whether the transaction message structure is correct or not, whether the transaction message structure is repeated or not, whether sufficient endorsements exist or not, and whether the read-write set version exists or not), and writes the results into a local classified account book after verification.
7) The master node synchronously broadcasts to the other nodes (guaranteed to be in the same channel) within the organization, each node appends the chunk to the chunk chain, the write set is committed to the current state database, and for each valid transaction, issues an event informing the client application that the transaction (call) has been appended to the chain immutably, and whether the transaction has been validated or is an invalid transaction.
Fig. 2 shows a flowchart of a method for borrowing resources applied to a first system according to an embodiment of the present application, the method including step S11, step S12, step S13 and step S14. In step S11, the first system receives a resource borrowing application request, sent by the second system, for a target order to be paid by a target merchant for a target agent; in step S12, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and the third system; in step S13, the first system receives a resource borrowing query request related to the first notification information sent by the third system, obtains the resource borrowing request information by invoking a second intelligent contract from the blockchain network platform and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and writes the resource borrowing passing information into the blockchain network platform by invoking a third intelligent contract; in step S14, the first system receives the resource issuance credential information related to the resource borrowing request information sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the state of the target order from pending payment to paid payment.
In step S11, the first system receives a resource borrowing application request sent by the second system and sent by the target merchant for the target order to be paid by the target agent. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform and/or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like.
In step S12, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and the third system. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
In step S13, the first system receives a resource borrowing query request related to the first notification information sent by the third system, obtains the resource borrowing request information from the blockchain network platform by invoking a second intelligent contract, returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and writes the resource borrowing audit passing information into the blockchain network platform by invoking a third intelligent contract. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing inquiry request to the first system, then the first system sends the borrowing inquiry request to the blockchain gateway, the blockchain gateway is routed to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is inquired by calling a chain code in the first intelligent contract, the borrowing request information is inquired from the blockchain gateway and returned to the third system, then the third system obtains the borrowing qualification file from the second system according to a storage address of the borrowing qualification file in the borrowing request information and sends the borrowing qualification file to the second user equipment for the loan company to audit, the second user equipment generates an audit passing instruction about the loan qualification file and sends the audit passing instruction to the third system in response to an audit confirmation passing operation performed by the loan company on the loan qualification file, and the third system generates audit passing information about the target order based on the audit passing instruction and sends the audit passing instruction to the third system And sending the loan audit passing information to a second system, sending the loan audit passing information to a block chain gateway by the second system, routing the block chain gateway to a third intelligent contract corresponding to the intelligent contract module, auditing the loan request by calling a chain code in the third intelligent contract, writing the loan audit passing information into a block chain network platform, sending third notification information corresponding to the loan audit passing information to the second system, and sending the third notification information to first user equipment used by a target merchant by the second system so as to inform the merchant that the loan request passes the audit.
In step S14, the first system receives the resource issuance credential information related to the resource borrowing request information sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the state of the target order from pending payment to paid payment. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
The resource borrowing platform internally settles the cost of the resource as a target order to a target agent after the resource of the small micro merchant is sent to the account, thereby ensuring the resource specialization of the borrowed resource, reducing the resource sending risk of the resource sending company, improving the resource borrowing speed and the resource borrowing efficiency of the small micro merchant, reducing the resource borrowing rate and the resource threshold of the small micro merchant, improving the resource sending transparency of the resource sending company and ensuring the rights and interests of the small micro merchant.
In some embodiments, the resource borrowing application request further includes a cost of the target order; wherein the resource borrowing qualification auditing the target merchant based on the resource borrowing qualification certification information comprises: and rechecking the cost, and if the rechecking is passed, performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information. In some embodiments, the request for loan application may further include an order amount of the target order, the first system may obtain an actual amount of the target order from the agent server, and recheck the order amount by comparing whether the order amount is consistent with the actual amount, or the first system may obtain a loan limit of the borrowed product corresponding to the borrowed product identification information, and recheck the order amount by comparing whether the order amount is less than or equal to the loan limit.
In some embodiments, the performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification information includes: querying and obtaining historical transaction information and historical borrowing and returning resource information corresponding to the target merchant; and performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information. In some embodiments, the first system obtains historical transaction information and historical loan and repayment information corresponding to the target merchant by calling the order receiving service and inquiring information such as recent transaction, historical loan and historical repayment of the target merchant, and then the first system performs loan and qualification audit on the target merchant according to the received loan and qualification certification information, the historical transaction information and the historical loan and repayment information uploaded by the target merchant.
In some embodiments, the performing a resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information, the historical transaction information, and the historical borrowing resource information includes: determining resource borrowing risk coefficient information corresponding to the target merchant according to the historical transaction information and the historical borrowing and returning resource information; and if the resource borrowing risk coefficient information is less than or equal to a preset risk coefficient threshold value, performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing resource information, and otherwise, directly determining that the target merchant does not pass the resource borrowing qualification audit. In some embodiments, the borrowing risk coefficient information corresponding to the target merchant is determined according to the historical transaction information and the historical borrowing and repaying information corresponding to the target merchant, and if the borrowing risk coefficient information is smaller than a predetermined risk coefficient threshold, the target merchant is directly determined not to pass the borrowing qualification audit, so that the first system is not required to conduct the borrowing qualification audit on the target merchant, otherwise, the first system normally conducts the borrowing qualification audit on the target merchant.
In some embodiments, the generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification information includes: and generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information. In some embodiments, the first system obtains historical transaction information and historical loan and repayment information corresponding to the target merchant by calling the order receiving service and inquiring information such as recent transaction, historical loan and historical repayment of the target merchant, and then packages the qualification information uploaded by the target merchant, the historical transaction information and the historical loan and repayment information to generate a loan qualification file corresponding to the target merchant and stores the loan qualification file.
In some embodiments, the resource borrowing request information includes first address information corresponding to the resource borrowing qualification file, resource borrowing product identification information corresponding to the target order, and first summary information corresponding to the resource borrowing qualification file, so that the third system obtains the resource borrowing qualification file according to the first address information, compares the first summary information with second summary information corresponding to the resource borrowing qualification file, and if the comparison is passed, the third system presents the resource borrowing qualification file to a resource issuing company corresponding to the resource borrowing product identification information. In some embodiments, after the first system generates the loan qualification file of the target merchant, the loan request information further includes first summary information (e.g., an MD5 value) corresponding to the loan qualification file obtained by performing summary calculation on the loan qualification file, and the subsequent third system compares, after obtaining the loan qualification file from the first system according to the storage address of the loan qualification file in the loan request information, whether the first summary information in the loan request information is consistent with second summary information obtained by performing summary calculation on the obtained loan qualification file, and only if the first summary information is consistent, the third system sends the loan qualification file to the second user equipment and presents the loan qualification file to the loan company staff for the loan company staff to audit, otherwise, directly determines that the loan qualification file does not pass the audit.
In some embodiments, the first system further comprises a blockchain event center, the method further comprising: registering, by the blockchain event center, a first event listener, written to the blockchain network platform with respect to the resource borrowing audit pass information, to the blockchain network platform; wherein the writing the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract further comprises: and responding to the triggering of the first event monitor by the block chain network platform, sending third notification information corresponding to the resource borrowing audit passing information to the block chain event center, and sending the third notification information to the second system through the block chain event center. In some embodiments, the first system further comprises a blockchain event center, and for a particular event in the blockchain network platform (e.g., a write blockchain event or a query blockchain event), a listener for the event can be set in the blockchain event center, and then registered in the blockchain network platform, and the listener can be automatically invoked when the event arrives, and the event is consumed by the listener in the blockchain network platform. In some embodiments, a first event monitor for writing loan audit pass information into a blockchain network platform is arranged in a blockchain event center, the input of a callback method corresponding to the monitor is third notification information corresponding to the loan audit pass information, the callback method is to send the third notification information to a second system, register the monitor in the blockchain network platform, subsequently automatically trigger the first event monitor when the write event arrives, consume the write event by the monitor in the blockchain network platform, the blockchain network platform inputs the third notification information corresponding to the loan audit pass information into a callback method corresponding to the monitor by using the third notification information corresponding to the loan audit pass information as an input parameter, the blockchain event center sends the third notification information to the second system in the callback method, and then the second system sends the third notification information to a first user device used by a target merchant, to notify the merchant that the debit request has passed the audit. In some embodiments, the third notification information includes, but is not limited to, identification information of the intelligent contract chain code corresponding to the event, identification information of the blockchain corresponding to the event, identification information of the event (e.g., an event ID), status information of the event, a payload (data) sent out in the intelligent contract chain code corresponding to the event, and the like. In some embodiments, other notification information in the present solution may also be implemented as such, and is not described herein again.
In some embodiments, the settling the cost of the target order for the resource corresponding to the resource issuance credential information to the target agent includes: and checking the target order, and if the target order passes the checking, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information. In some embodiments, the first system first checks the target order, and checks whether the order status of the target order is to be paid, or whether the order amount of the target order is consistent with the borrowing amount corresponding to the money-making voucher information, or whether the target order is valid or not overtime, and if the check is passed, the borrowing amount corresponding to the money-making voucher information is used as the cost of the target order to be settled to the target agent.
In some embodiments, the resource borrowing application request further includes a resource account of the target merchant; wherein the checking the target order, and if the checking is passed, the settlement of the cost of the target order by using the resource corresponding to the resource issuing voucher information comprises: and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, and settling the cost of the target order, which is the resource corresponding to the resource issuing voucher information, to the target agent from the resource account. In some embodiments, the debit and credit company deposits money into a bank card account provided by the target merchant, the first system makes a commission deduction on the bank card account by calling an interface provided by an external mechanism, and commits a corresponding bank mechanism to deduct a corresponding debit amount from the bank card account and settle the debit amount as a cost of the target order to the target agent.
In some embodiments, the checking the target order, and if the checking is passed, executing a commission deduction for the resource account, and settling the target order with the resource corresponding to the resource issuance credential information as the cost of the target order from the resource account, includes: and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, settling the resource corresponding to the resource issuing voucher information to a resource borrowing intermediate account corresponding to the first system from the resource account, and settling the cost of the resource serving as the target order to the target agent from the resource borrowing intermediate account. In some embodiments, the debit and credit company deposits money into a bank card account provided by the target merchant, the first system makes a commission deduction on the bank card account by calling an interface provided by an external mechanism, a corresponding bank mechanism is entrusted to deduct a corresponding debit amount from the bank card account, the debit amount is firstly settled to a debit intermediate user of the payment platform, and then the debit amount is settled to the target agent as a cost of the target order form from the debit intermediate user.
In some embodiments, the first system further comprises a blockchain event center, the method further comprising: registering, by the blockchain event center, a second event listener, written to the blockchain network platform with respect to the resource issuance credential information, to the blockchain network platform; wherein the writing the resource issuance credential information into the blockchain network platform by invoking the fourth intelligent contract further comprises: and triggering the second event monitor through the blockchain network platform, sending second notification information corresponding to the resource release voucher information to the blockchain event center, and sending the second notification information to the second system through the blockchain event center. In some embodiments, the first system further includes a blockchain event center, a second event listener related to writing of the voucher information for payment into the blockchain network platform is set in the blockchain event center, the input of the call-back method corresponding to the listener is second notification information corresponding to the voucher information for payment, the call-back method is that the second notification information is sent to the second system, the listener is registered in the blockchain network platform, the second event listener is automatically triggered when the write-in event arrives, the write-in event is consumed by the listener in the blockchain network platform, the blockchain network platform enters the call-back method corresponding to the listener by using the second notification information corresponding to the voucher information for payment as an incoming parameter, the blockchain event center sends the second notification information to the second system in the call-back method, and then the second system sends the second notification information to the first user equipment used by the target merchant, to notify the merchant that the debit request has been made. In some embodiments, the second notification information includes, but is not limited to, identification information of the intelligent contract chain code corresponding to the event, identification information of the blockchain corresponding to the event, identification information of the event (e.g., an event ID), status information of the event, a payload (data) sent out from the intelligent contract chain code corresponding to the event, and the like. In some embodiments, other notification information in the present solution may also be implemented as such, and is not described herein again.
In some embodiments, the method further comprises: receiving a resource returning application request, sent by the second system, of the target merchant for the target order, settling returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information about the target order, writing the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sending fourth known information corresponding to the resource returning voucher information to the third system; and receiving resource returning confirmation information which is sent by the third system based on the fourth notification information and is about the target order, and closing the target order. In some embodiments, the second system generates and sends a repayment application request related to the target order to the first system in response to a repayment application operation performed by the target merchant in the first user equipment for the target order, wherein the repayment application request includes, but is not limited to, order information of the target order, merchant information of the target merchant, and the like. In some embodiments, the first system confirms a repayment amount according to the order amount of the target order and in combination with the product information of the borrowed product, the borrowing time of the borrowing request, the current time and other information, the repayment amount is greater than or equal to the order amount of the target order and is returned to the first user equipment through the second system, the first user equipment renders a cash register according to the repayment amount, then the target merchant selects a payment mode to pay, and after the payment is successful, the first system can directly settle the repayment amount to the corresponding lending company, or the first system can settle the repayment amount to a repayment intermediate user of the payment platform and then settle the repayment intermediate user to the corresponding lending company. In some embodiments, the first system generates corresponding repayment credential information and sends the repayment credential information to the blockchain gateway, the blockchain gateway routes a fifth intelligent contract corresponding to the intelligent contract module, writes the repayment credential information into the blockchain network platform by calling a chain code in the fifth intelligent contract, sends fourth notification information corresponding to the repayment credential information to the second user equipment through the third system, confirms the repayment credential information by the lending company staff, receives repayment confirmation information about the target order sent by the second user equipment based on the fourth notification information, sends the repayment confirmation information to the first system, the first system confirms account posting, updates the state of the local loan request of the lending platform to the repayment, and closes the target order.
In some embodiments, the method further comprises: receiving newly added resource borrowed product information sent by the third system, writing the newly added resource borrowed product information into the block chain network platform by calling a sixth intelligent contract, checking the newly added resource borrowed product information, if the checking is passed, persisting the newly added resource borrowed product information, generating resource borrowed product checking passing information related to the newly added resource borrowed product information, and writing the resource borrowed product checking passing information into the block chain network platform by calling a seventh intelligent contract. In some embodiments, the borrowing company person inputs newly added borrowed product information corresponding to a target borrowed product on the second user equipment, the second user equipment responds to a product issuing operation executed by the borrowing company person on the target borrowed product, sends the newly added borrowed product information to the first system through the third system, then the first system sends the newly added borrowed product information to the blockchain gateway, the blockchain gateway is routed to a sixth intelligent contract corresponding to the intelligent contract module, the newly added borrowed product is opened by calling a chain code in the sixth intelligent contract, and the newly added borrowed product information is written into the blockchain network platform, wherein the newly added borrowed product information includes but is not limited to identification information of the borrowing company, details of the borrowed product (mainly including rate, loan limit amount, qualification requirement, repayment plan, default fund and the like), Borrow product status (to be audited). In some embodiments, after the new borrowed product information is written into the blockchain network platform, the first system (e.g., lending management platform) sends the new borrowed product information to a third user device used by a pneumatic controller of the payment platform, the corresponding pneumatic controller audits the new borrowed product information, if the audit is passed, the first system receives an audit pass instruction about the new borrowed product information sent by the third user device, locally persists the new borrowed product information, updates the product status of the new borrowed product from the to-be-audited state to the audited state, generates product audit pass information about the new borrowed product, and sends the product audit pass information to a blockchain gateway, the blockchain gateway is routed to a seventh intelligent contract corresponding to the new borrowed contract module, and audits the borrowed product to pass through by calling a chain code in the seventh intelligent contract, and enabling the newly added borrowed product to take effect, and writing the product verification passing information into the block chain network platform.
In some embodiments, the first system further comprises an agent management platform, the method further comprising: receiving request incoming information which is sent by the second system and is about the target merchant, wherein the request incoming information comprises merchant profile information of the target merchant; and performing qualification verification on the target merchant through the agent management platform according to the merchant data information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract. In some embodiments, the agent collects merchant data information of the target merchant according to requirements, fourth user equipment used by the agent generates request incoming information about the target merchant and sends the request incoming information to a second system in response to an application incoming operation of the agent staff for the target merchant, the second system sends the request incoming information to the agent management platform, the request incoming information includes merchant data information of the target merchant, the agent management platform performs qualification verification corresponding to the target merchant according to the merchant data information, if the verification is passed, account opening information about the target merchant is generated and sent to a block chain gateway, the block chain gateway is routed to an eighth intelligent contract corresponding to the intelligent contract module, a merchant is opened on the payment platform for the target merchant by calling a chain code in the eighth intelligent contract, the account opening information is written into the block chain network platform, the account opening information includes, but is not limited to, information such as a merchant number, an account number, a superior agent, and the like of the target merchant in the payment platform.
In some embodiments, the generating account provisioning information for the target merchant comprises: and if the verification is passed, opening the electronic contract, and generating account opening information about the target merchant according to the electronic contract. In some embodiments, the agent management platform generates and sends provisioning notification information about the electronic contract of the target merchant to the second system, and then the second system sends the provisioning notification information to the first user equipment used by the target merchant to notify the target merchant of provisioning the electronic contract, including but not limited to sending the provisioning notification information to the first user equipment by any means such as short message, mail, etc., the content of the provisioning notification information includes a link address of the provisioning electronic contract, the target merchant performs living body identification (for example, human face living body identification) by opening the link address in the provisioning notification information, the agent management platform receives living body identification information of the target user sent by the first user equipment through the second system, performs living body verification on the living body identification information, if the verification passes, the electronic contract is provisioned for the target merchant, and generating account opening information about the target merchant according to the electronic contract and sending the account opening information to the block chain gateway.
In some embodiments, the settling the cost of the target order using the resource corresponding to the resource issuance credential information to the target agent further includes: generating resource-specific information about the target order, and writing the resource-specific information into the blockchain network platform by calling a ninth intelligent contract. In some embodiments, resource-specific (e.g., exclusive-use) means that the debit amount corresponding to the voucher information for debiting is only available to the target merchant for settlement of the cost as the target order to the target agent, but not available to the target merchant for any other purpose. In some embodiments, the first system (e.g., the loan management platform) generates and sends the special information about the target order to the blockchain gateway, the blockchain gateway routes to a corresponding ninth intelligent contract in the intelligent contract module, and writes the special information into the blockchain network platform by calling a chain code in the ninth intelligent contract, wherein the special information includes, but is not limited to, payee (lending company) related information, loan time information, amount of money to be paid information, payee (target merchant) related information, current status information of the target order, status update related information of the target order, payment mode information of the target order and loan voucher information corresponding to the loan voucher information, payer (target merchant) related information corresponding to fee settlement, settlement time information, payment method information, payment voucher information, settlement time information, and payment date information of the target order, Settlement amount information, settlement target agent-related information, and the like.
Fig. 3 shows a flowchart of a method for borrowing resources applied to a second system according to an embodiment of the present application, the method including step S21, step S22, step S23 and step S24. In step S21, the second system generates a resource borrowing application request corresponding to the target order in response to the resource applying operation executed by the target merchant for the target order to be paid by the target agent, and sends the resource borrowing application request to the first system; in step S22, the second system receives first notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has been accepted, where the first system performs resource borrowing qualification audit on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information if the audit is passed, generates resource borrowing request information about the target order, writes the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and a third system; in step S23, the second system receives the third notification information about the resource borrowing application request sent by the first system, to notify the target merchant that the resource borrowing application request has passed the audit, wherein the first system receives a resource borrowing query request about the first notification information transmitted by the third system, obtaining the resource borrowing request information by calling a second intelligent contract from the block chain network platform, returning the resource borrowing request information to the third system, receiving resource borrowing verification passing information corresponding to the resource borrowing request information sent by the third system, writing the resource borrowing audit pass information to the blockchain network platform by invoking a third intelligent contract, sending third notification information corresponding to the resource borrowing audit passing information to the second system; in step S24, the second system receives second notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource corresponding to the resource borrowing application request is issued, where the first system receives resource issuance credential information about the target order sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, sends second notification information corresponding to the resource issuance credential information to the second system, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the status of the target order from pending payment to paid payment.
In step S21, the second system generates a resource borrowing application request corresponding to the target order in response to the resource applying operation performed by the target merchant for the target order to be paid by the target agent, and sends the resource borrowing application request to the first system. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like.
In step S22, the second system receives first notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has been accepted, where the first system performs resource borrowing qualification audit on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information if the audit is passed, generates resource borrowing request information about the target order, writes the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and a third system. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
In step S23, the second system receives the third notification information about the resource borrowing application request sent by the first system, to notify the target merchant that the resource borrowing application request has passed the audit, wherein the first system receives a resource borrowing query request about the first notification information transmitted by the third system, obtaining the resource borrowing request information by calling a second intelligent contract from the block chain network platform, returning the resource borrowing request information to the third system, receiving resource borrowing verification passing information corresponding to the resource borrowing request information sent by the third system, writing the resource borrowing audit pass information to the blockchain network platform by invoking a third intelligent contract, and sending third notification information corresponding to the resource borrowing audit passing information to the second system. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing inquiry request to the first system, then the first system sends the borrowing inquiry request to the blockchain gateway, the blockchain gateway is routed to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is inquired by calling a chain code in the first intelligent contract, the borrowing request information is inquired from the blockchain gateway and returned to the third system, then the third system obtains the borrowing qualification file from the second system according to a storage address of the borrowing qualification file in the borrowing request information and sends the borrowing qualification file to the second user equipment for the loan company to audit, the second user equipment generates an audit passing instruction about the loan qualification file and sends the audit passing instruction to the third system in response to an audit confirmation passing operation performed by the loan company on the loan qualification file, and the third system generates audit passing information about the target order based on the audit passing instruction and sends the audit passing instruction to the third system And sending the loan audit passing information to a second system, sending the loan audit passing information to a block chain gateway by the second system, routing the block chain gateway to a third intelligent contract corresponding to the intelligent contract module, auditing the loan request by calling a chain code in the third intelligent contract, writing the loan audit passing information into a block chain network platform, sending third notification information corresponding to the loan audit passing information to the second system, and sending the third notification information to first user equipment used by a target merchant by the second system so as to inform the merchant that the loan request passes the audit.
In step S24, the second system receives second notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource corresponding to the resource borrowing application request is issued, where the first system receives resource issuance credential information about the target order sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, sends second notification information corresponding to the resource issuance credential information to the second system, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the status of the target order from pending payment to paid payment. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
In some embodiments, the method further comprises: responding to an application returning resource operation executed by the target merchant for the target order, generating a resource returning application request of the target merchant for the target order, sending the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles the resource corresponding to the target order to a resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning voucher information about the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, sends fourth notification information corresponding to the resource returning voucher information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth notification information, closing the target order. In some embodiments, the second system generates and sends a repayment application request related to the target order to the first system in response to a repayment application operation performed by the target merchant in the first user equipment for the target order, wherein the repayment application request includes, but is not limited to, order information of the target order, merchant information of the target merchant, and the like. In some embodiments, the first system confirms a repayment amount according to the order amount of the target order and in combination with the product information of the borrowed product, the borrowing time of the borrowing request, the current time and other information, the repayment amount is greater than or equal to the order amount of the target order and is returned to the first user equipment through the second system, the first user equipment renders a cash register according to the repayment amount, then the target merchant selects a payment mode to pay, and after the payment is successful, the first system can directly settle the repayment amount to the corresponding lending company, or the first system can settle the repayment amount to a repayment intermediate user of the payment platform and then settle the repayment intermediate user to the corresponding lending company. In some embodiments, the first system generates corresponding repayment credential information and sends the repayment credential information to the blockchain gateway, the blockchain gateway routes a fifth intelligent contract corresponding to the intelligent contract module, writes the repayment credential information into the blockchain network platform by calling a chain code in the fifth intelligent contract, sends fourth notification information corresponding to the repayment credential information to the second user equipment through the third system, confirms the repayment credential information by the lending company staff, receives repayment confirmation information about the target order sent by the second user equipment based on the fourth notification information, sends the repayment confirmation information to the first system, the first system confirms account posting, updates the state of the local loan request of the lending platform to the repayment, and closes the target order.
In some embodiments, the method further comprises: responding to an application incoming operation executed by the target agent for the target merchant, generating request incoming information about the target merchant, sending the request incoming information to the first system, enabling the first system to receive the request incoming information sent by the second system, performing qualification verification on the target merchant through an agent management platform in the first system according to merchant data information in the request incoming information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract. In some embodiments, the agent collects merchant data information of the target merchant according to requirements, fourth user equipment used by the agent generates request incoming information about the target merchant and sends the request incoming information to a second system in response to an application incoming operation of the agent staff for the target merchant, the second system sends the request incoming information to the agent management platform, the request incoming information includes merchant data information of the target merchant, the agent management platform performs qualification verification corresponding to the target merchant according to the merchant data information, if the verification is passed, account opening information about the target merchant is generated and sent to a block chain gateway, the block chain gateway is routed to an eighth intelligent contract corresponding to the intelligent contract module, a merchant is opened on the payment platform for the target merchant by calling a chain code in the eighth intelligent contract, the account opening information is written into the block chain network platform, the account opening information includes, but is not limited to, information such as a merchant number, an account number, a superior agent, and the like of the target merchant in the payment platform.
Fig. 4 shows a flowchart of a method for borrowing resources applied to a third system according to an embodiment of the present application, the method including step S31, step S32, step S33 and step S34. In step S31, the third system receives the first notification information sent by the first system regarding the resource borrowing application request of the target merchant for the target order to be paid by the target agent, wherein, the first system receives the resource borrowing application request sent by the second system, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information to a blockchain network platform by invoking a first intelligent contract, sending the first notification information corresponding to the resource borrowing request information to the second system; in step S32, the third system generates a resource borrowing query request regarding the first notification information in response to a resource borrowing query operation performed by a resource issuing company for the first notification information, and sends the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, queries from the blockchain network platform by invoking a second intelligent contract to obtain the resource borrowing request information, and returns the resource borrowing request information to the third system; in step S33, the third system obtains the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, generates resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, and sends the resource borrowing audit passing information to the first system, so that the first system receives the resource borrowing audit passing information sent by the third system, and writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract; in step S34, the third system generates resource issuance credential information related to the resource borrowing request information in response to a resource issuance credential upload operation performed by the resource issuance company for the resource borrowing request information, sends the resource issuance credential information to the first system, so that the first system receives the resource issuance credential information sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settles the cost of the target order as the resource corresponding to the resource issuance credential information to the target agent, and updates the status of the target order from to be paid to paid.
In step S31, the third system receives the first notification information sent by the first system regarding the resource borrowing application request of the target merchant for the target order to be paid by the target agent, wherein, the first system receives the resource borrowing application request sent by the second system, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information to a blockchain network platform by invoking a first intelligent contract, and sending the first notification information corresponding to the resource borrowing request information to the second system. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
In step S32, the third system generates a resource borrowing query request regarding the first notification information in response to a resource borrowing query operation performed by a resource issuing company for the first notification information, and sends the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, queries from the blockchain network platform the resource borrowing request information by invoking a second intelligent contract, and returns the resource borrowing request information to the third system. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing query request to the first system, then the first system sends the borrowing query request to the blockchain gateway, the blockchain gateway routes to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is queried by calling a chain code in the first intelligent contract, and the borrowing request information is queried from the blockchain network and returned to the third system.
In step S33, the third system obtains the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, generates resource borrowing approval pass information corresponding to the resource borrowing request information in response to a resource borrowing approval operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, and sends the resource borrowing approval pass information to the first system, so that the first system receives the resource borrowing approval pass information sent by the third system, and writes the resource borrowing approval pass information into the block chain network platform by calling a third intelligent contract. In some embodiments, the third system obtains the loan qualification file from the second system according to the storage address of the loan qualification file in the loan request information and sends the loan qualification file to the second user equipment for the loan company personnel to perform verification, the second user equipment generates a verification passing instruction about the loan qualification file and sends the verification passing instruction to the third system in response to verification confirmation passing operation performed by the loan company personnel on the loan qualification file, the third system generates loan verification passing information about the target order based on the verification passing instruction and sends the loan verification passing information to the second system, then the second system sends the loan verification passing information to the block chain gateway, the block chain gateway routes a corresponding third intelligent contract in the intelligent contract module, and writes the loan verification passing information into the block chain network platform by calling a chain code in the third intelligent contract to verify the loan request passing through the loan request, and sending third notification information corresponding to the loan audit passing information to the second system, and then sending the third notification information to the first user equipment used by the target merchant by the second system so as to inform the merchant that the loan request passes the audit.
In step S34, the third system generates resource issuance credential information related to the resource borrowing request information in response to a resource issuance credential upload operation performed by the resource issuance company for the resource borrowing request information, sends the resource issuance credential information to the first system, so that the first system receives the resource issuance credential information sent by the third system, writes the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settles the cost of the target order as the resource corresponding to the resource issuance credential information to the target agent, and updates the status of the target order from to be paid to paid. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
In some embodiments, the resource borrowing request information further includes first summary information corresponding to the resource borrowing qualification file; the obtaining the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, includes: obtaining the resource borrowing qualification file according to the first address information, comparing the first abstract information with second abstract information corresponding to the resource borrowing qualification file, and if the comparison is passed, presenting the resource borrowing qualification file to the resource issuing company; and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to resource borrowing audit operation executed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file. In some embodiments, after the first system generates the loan qualification file of the target merchant, the loan request information further includes first summary information (e.g., an MD5 value) corresponding to the loan qualification file obtained by performing summary calculation on the loan qualification file, and the subsequent third system compares, after obtaining the loan qualification file from the first system according to the storage address of the loan qualification file in the loan request information, whether the first summary information in the loan request information is consistent with second summary information obtained by performing summary calculation on the obtained loan qualification file, and only if the first summary information is consistent, the third system sends the loan qualification file to the second user equipment and presents the loan qualification file to the loan company staff for the loan company staff to audit, otherwise, directly determines that the loan qualification file does not pass the audit.
In some embodiments, the method further comprises: generating new resource borrowing product information corresponding to a target resource borrowing product in response to a product release operation executed by the borrowing resource release company for the target resource borrowing product, transmitting the new resource borrowing product information to the first system, such that the first system receives the added resource borrowed product information sent by the third system, writing the added resource borrowed product information to the blockchain network platform by invoking a sixth intelligent contract, and the information of the newly added resource borrowed products is audited, if the audit is passed, the information of the newly added resource borrowed products is persisted, the audit passed information of the resource borrowed products related to the information of the newly added resource borrowed products is generated, and writing the resource borrowed product auditing passing information into the blockchain network platform by calling a seventh intelligent contract. In some embodiments, the borrowing company person inputs newly added borrowed product information corresponding to a target borrowed product on the second user equipment, the second user equipment responds to a product issuing operation executed by the borrowing company person on the target borrowed product, sends the newly added borrowed product information to the first system through the third system, then the first system sends the newly added borrowed product information to the blockchain gateway, the blockchain gateway is routed to a sixth intelligent contract corresponding to the intelligent contract module, the newly added borrowed product is opened by calling a chain code in the sixth intelligent contract, and the newly added borrowed product information is written into the blockchain network platform, wherein the newly added borrowed product information includes but is not limited to identification information of the borrowing company, details of the borrowed product (mainly including rate, loan limit amount, qualification requirement, repayment plan, default fund and the like), Borrow product status (to be audited). In some embodiments, after the new borrowed product information is written into the blockchain network platform, the first system (e.g., lending management platform) sends the new borrowed product information to a third user device used by a pneumatic controller of the payment platform, the corresponding pneumatic controller audits the new borrowed product information, if the audit is passed, the first system receives an audit pass instruction about the new borrowed product information sent by the third user device, locally persists the new borrowed product information, updates the product status of the new borrowed product from the to-be-audited state to the audited state, generates product audit pass information about the new borrowed product, and sends the product audit pass information to a blockchain gateway, the blockchain gateway is routed to a seventh intelligent contract corresponding to the new borrowed contract module, and audits the borrowed product to pass through by calling a chain code in the seventh intelligent contract, and enabling the newly added borrowed product to take effect, and writing the product verification passing information into the block chain network platform.
In some embodiments, the method further comprises: receiving fourth notification information which is sent by the first system and corresponds to the resource returning voucher information of the target order, wherein the first system receives a resource returning application request which is sent by the second system and corresponds to the target order, settles returning resources corresponding to the target order to the resource issuing company, generates the resource returning voucher information of the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning voucher information to the third system; and in response to a resource returning confirmation operation executed by the resource issuing company for the fourth notification information, generating resource returning confirmation information about the target order and sending the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information. In some embodiments, the first system generates corresponding repayment credential information and sends the repayment credential information to the blockchain gateway, the blockchain gateway routes a fifth intelligent contract corresponding to the intelligent contract module, writes the repayment credential information into the blockchain network platform by calling a chain code in the fifth intelligent contract, sends fourth notification information corresponding to the repayment credential information to the second user equipment through the third system, confirms the repayment credential information by the lending company staff, receives repayment confirmation information about the target order sent by the second user equipment based on the fourth notification information, sends the repayment confirmation information to the first system, the first system confirms account posting, updates the state of the local loan request of the lending platform to the repayment, and closes the target order.
FIG. 5 shows a first apparatus for borrowing resources according to one embodiment of the present application, which includes a one-module 11, a two-module 12, a three-module 13, and a four-module 14. A module 11, configured to receive a resource borrowing application request, sent by the second system, of a target order to be paid by a target merchant for a target agent; a second module 12, configured to perform resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generate and store a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generate resource borrowing request information related to the target order, write the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and send first notification information corresponding to the resource borrowing request information to the second system and the third system; a third module 13, configured to receive a resource borrowing query request related to the first notification information sent by the third system, obtain the resource borrowing request information by querying from the blockchain network platform by invoking a second intelligent contract, return the resource borrowing request information to the third system, receive resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and write the resource borrowing audit passing information into the blockchain network platform by invoking a third intelligent contract; a fourth module 14, configured to receive resource issuance credential information related to the resource borrowing request information sent by the third system, write the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settle the cost of the target order corresponding to the resource issuance credential information to the target agent, and update the state of the target order from to-be-paid to paid.
And the one-to-one module 11 is configured to receive a resource borrowing application request, which is sent by the second system and is for the target order to be paid by the target merchant for the target agent. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform and/or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like.
A second module 12, configured to perform resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generate and store a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generate resource borrowing request information related to the target order, write the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and send first notification information corresponding to the resource borrowing request information to the second system and the third system. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
A third module 13, configured to receive a resource borrowing query request related to the first notification information sent by the third system, obtain the resource borrowing request information by querying from the blockchain network platform by invoking a second intelligent contract, return the resource borrowing request information to the third system, receive resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and write the resource borrowing audit passing information into the blockchain network platform by invoking a third intelligent contract. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing inquiry request to the first system, then the first system sends the borrowing inquiry request to the blockchain gateway, the blockchain gateway is routed to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is inquired by calling a chain code in the first intelligent contract, the borrowing request information is inquired from the blockchain gateway and returned to the third system, then the third system obtains the borrowing qualification file from the second system according to a storage address of the borrowing qualification file in the borrowing request information and sends the borrowing qualification file to the second user equipment for the loan company to audit, the second user equipment generates an audit passing instruction about the loan qualification file and sends the audit passing instruction to the third system in response to an audit confirmation passing operation performed by the loan company on the loan qualification file, and the third system generates audit passing information about the target order based on the audit passing instruction and sends the audit passing instruction to the third system And sending the loan audit passing information to a second system, sending the loan audit passing information to a block chain gateway by the second system, routing the block chain gateway to a third intelligent contract corresponding to the intelligent contract module, auditing the loan request by calling a chain code in the third intelligent contract, writing the loan audit passing information into a block chain network platform, sending third notification information corresponding to the loan audit passing information to the second system, and sending the third notification information to first user equipment used by a target merchant by the second system so as to inform the merchant that the loan request passes the audit.
A fourth module 14, configured to receive resource issuance credential information related to the resource borrowing request information sent by the third system, write the resource issuance credential information into the blockchain network platform by invoking a fourth intelligent contract, settle the cost of the target order corresponding to the resource issuance credential information to the target agent, and update the state of the target order from to-be-paid to paid. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
The resource borrowing platform internally settles the cost of the resource as a target order to a target agent after the resource of the small micro merchant is sent to the account, thereby ensuring the resource specialization of the borrowed resource, reducing the resource sending risk of the resource sending company, improving the resource borrowing speed and the resource borrowing efficiency of the small micro merchant, reducing the resource borrowing rate and the resource threshold of the small micro merchant, improving the resource sending transparency of the resource sending company and ensuring the rights and interests of the small micro merchant.
In some embodiments, the resource borrowing application request further includes a cost of the target order; wherein the resource borrowing qualification auditing the target merchant based on the resource borrowing qualification certification information comprises: and rechecking the cost, and if the rechecking is passed, performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification information includes: querying and obtaining historical transaction information and historical borrowing and returning resource information corresponding to the target merchant; and performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the performing a resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information, the historical transaction information, and the historical borrowing resource information includes: determining resource borrowing risk coefficient information corresponding to the target merchant according to the historical transaction information and the historical borrowing and returning resource information; and if the resource borrowing risk coefficient information is less than or equal to a preset risk coefficient threshold value, performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing resource information, and otherwise, directly determining that the target merchant does not pass the resource borrowing qualification audit. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification information includes: and generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the resource borrowing request information includes first address information corresponding to the resource borrowing qualification file, resource borrowing product identification information corresponding to the target order, and first summary information corresponding to the resource borrowing qualification file, so that the third system obtains the resource borrowing qualification file according to the first address information, compares the first summary information with second summary information corresponding to the resource borrowing qualification file, and if the comparison is passed, the third system presents the resource borrowing qualification file to a resource issuing company corresponding to the resource borrowing product identification information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the first system further comprises a blockchain event center, the method further comprising: registering, by the blockchain event center, a first event listener, written to the blockchain network platform with respect to the resource borrowing audit pass information, to the blockchain network platform; wherein the writing the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract further comprises: and responding to the triggering of the first event monitor by the block chain network platform, sending third notification information corresponding to the resource borrowing audit passing information to the block chain event center, and sending the third notification information to the second system through the block chain event center. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the settling the cost of the target order for the resource corresponding to the resource issuance credential information to the target agent includes: and checking the target order, and if the target order passes the checking, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the resource borrowing application request further includes a resource account of the target merchant; wherein the checking the target order, and if the checking is passed, the settlement of the cost of the target order by using the resource corresponding to the resource issuing voucher information comprises: and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, and settling the cost of the target order, which is the resource corresponding to the resource issuing voucher information, to the target agent from the resource account. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the checking the target order, and if the checking is passed, executing a commission deduction for the resource account, and settling the target order with the resource corresponding to the resource issuance credential information as the cost of the target order from the resource account, includes: and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, settling the resource corresponding to the resource issuing voucher information to a resource borrowing intermediate account corresponding to the first system from the resource account, and settling the cost of the resource serving as the target order to the target agent from the resource borrowing intermediate account. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the first system further comprises a blockchain event center, the method further comprising: registering, by the blockchain event center, a second event listener, written to the blockchain network platform with respect to the resource issuance credential information, to the blockchain network platform; wherein the writing the resource issuance credential information into the blockchain network platform by invoking the fourth intelligent contract further comprises: and triggering the second event monitor through the blockchain network platform, sending second notification information corresponding to the resource release voucher information to the blockchain event center, and sending the second notification information to the second system through the blockchain event center. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the apparatus is further configured to: receiving a resource returning application request, sent by the second system, of the target merchant for the target order, settling returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information about the target order, writing the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sending fourth known information corresponding to the resource returning voucher information to the third system; and receiving resource returning confirmation information which is sent by the third system based on the fourth notification information and is about the target order, and closing the target order. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the apparatus is further configured to: receiving newly added resource borrowed product information sent by the third system, writing the newly added resource borrowed product information into the block chain network platform by calling a sixth intelligent contract, checking the newly added resource borrowed product information, if the checking is passed, persisting the newly added resource borrowed product information, generating resource borrowed product checking passing information related to the newly added resource borrowed product information, and writing the resource borrowed product checking passing information into the block chain network platform by calling a seventh intelligent contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the first system further comprises an agent management platform, the method further comprising: receiving request incoming information which is sent by the second system and is about the target merchant, wherein the request incoming information comprises merchant profile information of the target merchant; and performing qualification verification on the target merchant through the agent management platform according to the merchant data information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the generating account provisioning information for the target merchant comprises: and if the verification is passed, opening the electronic contract, and generating account opening information about the target merchant according to the electronic contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
In some embodiments, the settling the cost of the target order using the resource corresponding to the resource issuance credential information to the target agent further includes: generating resource-specific information about the target order, and writing the resource-specific information into the blockchain network platform by calling a ninth intelligent contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 2, and therefore are not described again, and are included herein by reference.
FIG. 6 shows a second apparatus for borrowing resources according to one embodiment of the present application, which includes two-one module 21, two-two module 22, two-three module 23, and two-four module 24. A second-first module 21, configured to generate a resource borrowing application request corresponding to a target order in response to a resource borrowing application operation executed by a target merchant for the target order to be paid by a target agent, and send the resource borrowing application request to a first system; a second module 22, configured to receive first notification information, which is sent by the first system and is related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request has been accepted, where the first system performs resource borrowing qualification audit on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information if the audit is passed, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block link network platform by invoking a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and the third system; a second and third module 23, configured to receive third notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has passed audit, where the first system receives a resource borrowing query request about the first notification information sent by the third system, obtains the resource borrowing request information from the block chain network platform by invoking a second intelligent contract, and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system, writes the resource borrowing passing information into the block chain network platform by invoking the third intelligent contract, and sends third notification information corresponding to the resource audit passing information to the second system; a second fourth module 24, configured to receive second notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource corresponding to the resource borrowing application request is issued, where the first system receives resource issuance credential information about the target order sent by the third system, writes the resource issuance credential information into the block chain network platform by invoking a fourth intelligent contract, sends the second notification information corresponding to the resource issuance credential information to the second system, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the state of the target order from to be paid to paid.
The second module 21 is configured to generate a resource borrowing application request corresponding to a target order of a target agent in response to a resource borrowing application operation executed by the target merchant for the target order to be paid, and send the resource borrowing application request to a first system. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like.
A second module 22, configured to receive first notification information, which is sent by the first system and is related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request has been accepted, where the first system performs resource borrowing qualification audit on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information if the audit is passed, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block link network platform by invoking a first intelligent contract, and sends first notification information corresponding to the resource borrowing request information to the second system and the third system. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
A second and third module 23, configured to receive third notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource borrowing application request has passed audit, where the first system receives a resource borrowing query request about the first notification information sent by the third system, obtains the resource borrowing request information from the block chain network platform by querying by invoking a second intelligent contract, and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system, writes the resource borrowing passing information into the block chain network platform by invoking the third intelligent contract, and sends third notification information corresponding to the resource audit passing information to the second system. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing inquiry request to the first system, then the first system sends the borrowing inquiry request to the blockchain gateway, the blockchain gateway is routed to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is inquired by calling a chain code in the first intelligent contract, the borrowing request information is inquired from the blockchain gateway and returned to the third system, then the third system obtains the borrowing qualification file from the second system according to a storage address of the borrowing qualification file in the borrowing request information and sends the borrowing qualification file to the second user equipment for the loan company to audit, the second user equipment generates an audit passing instruction about the loan qualification file and sends the audit passing instruction to the third system in response to an audit confirmation passing operation performed by the loan company on the loan qualification file, and the third system generates audit passing information about the target order based on the audit passing instruction and sends the audit passing instruction to the third system And sending the loan audit passing information to a second system, sending the loan audit passing information to a block chain gateway by the second system, routing the block chain gateway to a third intelligent contract corresponding to the intelligent contract module, auditing the loan request by calling a chain code in the third intelligent contract, writing the loan audit passing information into a block chain network platform, sending third notification information corresponding to the loan audit passing information to the second system, and sending the third notification information to first user equipment used by a target merchant by the second system so as to inform the merchant that the loan request passes the audit.
A second fourth module 24, configured to receive second notification information about the resource borrowing application request sent by the first system, so as to notify the target merchant that the resource corresponding to the resource borrowing application request is issued, where the first system receives resource issuance credential information about the target order sent by the third system, writes the resource issuance credential information into the block chain network platform by invoking a fourth intelligent contract, sends the second notification information corresponding to the resource issuance credential information to the second system, settles the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent, and updates the state of the target order from to be paid to paid. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
In some embodiments, the apparatus is further configured to: responding to an application returning resource operation executed by the target merchant for the target order, generating a resource returning application request of the target merchant for the target order, sending the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles the resource corresponding to the target order to a resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning voucher information about the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, sends fourth notification information corresponding to the resource returning voucher information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth notification information, closing the target order. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 3, and therefore are not described again, and are included herein by reference.
In some embodiments, the apparatus is further configured to: responding to an application incoming operation executed by the target agent for the target merchant, generating request incoming information about the target merchant, sending the request incoming information to the first system, enabling the first system to receive the request incoming information sent by the second system, performing qualification verification on the target merchant through an agent management platform in the first system according to merchant data information in the request incoming information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 3, and therefore are not described again, and are included herein by reference.
FIG. 7 illustrates a third apparatus structure for borrowing resources according to one embodiment of the present application, which includes a three-in-one module 31, a three-in-two module 32, a three-in-three module 33, and a three-in-four module 34. A third module 31, configured to receive first notification information sent by the first system about a resource borrowing application request of a target merchant for a target order to be paid by a target agent, wherein, the first system receives the resource borrowing application request sent by the second system, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information to a blockchain network platform by invoking a first intelligent contract, sending the first notification information corresponding to the resource borrowing request information to the second system; a third-second module 32, configured to generate a resource borrowing query request regarding the first notification information in response to a resource borrowing query operation performed by a resource issuing company for the first notification information, and send the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, obtains the resource borrowing request information by invoking a second intelligent contract from the blockchain network platform, and returns the resource borrowing request information to the third system; a third module 33, configured to obtain the resource borrowing qualification file according to first address information corresponding to the resource borrowing qualification file, generate resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, and send the resource borrowing audit passing information to the first system, so that the first system receives the resource borrowing audit passing information sent by the third system, and writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract; a third and fourth module 34, configured to generate resource issuance credential information related to the resource borrowing request information in response to a resource issuance credential uploading operation performed by the resource issuance company for the resource borrowing request information, send the resource issuance credential information to the first system, so that the first system receives the resource issuance credential information sent by the third system, writes the resource issuance credential information into the block chain network platform by invoking a fourth intelligent contract, settles the cost of the target order as the resource corresponding to the resource issuance credential information to the target agent, and updates the state of the target order from to be paid to paid.
A third module 31, configured to receive first notification information sent by the first system about a resource borrowing application request of a target merchant for a target order to be paid by a target agent, wherein, the first system receives the resource borrowing application request sent by the second system, the first system performs resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the audit is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information to a blockchain network platform by invoking a first intelligent contract, and sending the first notification information corresponding to the resource borrowing request information to the second system. In some embodiments, the resource is described as an example of money, and the borrowing is described as an example of borrowing, and those skilled in the art should understand that the present solution is also applicable to any other form of resource, and will not be described herein again. . In some embodiments, the first system comprises a blockchain gateway, an intelligent contract module, a blockchain network platform, or, on the basis of the blockchain gateway, the first system further comprises a loan platform or a loan management platform. In some embodiments, the target merchant enters a purchase in a front-end mall client of the target agent on the first user device used by the target merchant, the first user device generates a corresponding purchase request and sends the purchase request to the agent server, the agent server places an order to generate a target order to be paid after receiving the purchase request, the payment platform is invoked to receive the order by the payment platform receiving gateway, the payment platform receiving gateway pre-receives the order and displays a cash register table in the agent mall client, the target merchant selects a borrowing application from the cash register table, jumps to a borrowing interface to present one or more borrowing products, then the small merchant selects one target borrowing product from the one or more borrowing products and submits a corresponding borrowing qualification certificate, the first user device generates a borrowing application request including the target product identification information and the borrowing qualification certificate and sends the borrowing application request to the second system (for example, merchant platform) and the second system then sends the request for a loan application to the first system (e.g., the loan platform). In some embodiments, the request for loan application further includes order information of the target order and identification information of the target merchant or merchant information, and the order information includes, but is not limited to, an order ID, an order amount, and the like. In some embodiments, the first system performs loan qualification audit on the target merchant according to the received loan qualification certification information uploaded by the target merchant, generates a loan qualification file of the target merchant if the audit is passed, writes the loan qualification certification information of the target merchant into the loan qualification file, persistently stores the loan qualification file in the first system, generates loan request information about the target order according to a storage address of the loan qualification file and borrowed product identification information uploaded by the merchant, and sends the loan request information to the block chain gateway, or the loan request information further includes order information of the target order and identification information of the target merchant or merchant information. In some embodiments, after receiving the borrowing request information, the blockchain gateway routes the borrowing request information to a corresponding first intelligent contract in the intelligent contract module, creates a borrowing request by calling a chain code in the first intelligent contract, writes the borrowing request information into a blockchain network platform, generates first notification information about the borrowing request information, sends the first notification information to a third system (for example, a lending company platform), and then sends the first notification information to second user equipment used by a lending company person corresponding to the borrowing product identification information to notify the lending company person to check the borrowing request. In some embodiments, the first notification message is also sent to the second system, and the second system then sends the first notification message to the first user device used by the target merchant to notify the merchant that the loan request has been accepted.
A third-second module 32, configured to generate a resource borrowing query request regarding the first notification information in response to a resource borrowing query operation performed by a resource issuing company for the first notification information, and send the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, obtains the resource borrowing request information by invoking a second intelligent contract from the blockchain network platform, and returns the resource borrowing request information to the third system. In some embodiments, the second user equipment used by the loan company personnel generates a loan inquiry request about the first notification information in response to the loan inquiry operation performed by the loan company personnel for the first notification information, and sends the loan inquiry request to the third system, wherein the loan audit request includes but is not limited to identification information of the target order, order information, identification information of the target merchant, and merchant information. In some embodiments, the third system sends the borrowing query request to the first system, then the first system sends the borrowing query request to the blockchain gateway, the blockchain gateway routes to a corresponding second intelligent contract in the intelligent contract module, the borrowing request is queried by calling a chain code in the first intelligent contract, and the borrowing request information is queried from the blockchain network and returned to the third system.
A third module 33, configured to obtain the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, generate resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, and send the resource borrowing audit passing information to the first system, so that the first system receives the resource borrowing audit passing information sent by the third system, and writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract. In some embodiments, the third system obtains the loan qualification file from the second system according to the storage address of the loan qualification file in the loan request information and sends the loan qualification file to the second user equipment for the loan company personnel to perform verification, the second user equipment generates a verification passing instruction about the loan qualification file and sends the verification passing instruction to the third system in response to verification confirmation passing operation performed by the loan company personnel on the loan qualification file, the third system generates loan verification passing information about the target order based on the verification passing instruction and sends the loan verification passing information to the second system, then the second system sends the loan verification passing information to the block chain gateway, the block chain gateway routes a corresponding third intelligent contract in the intelligent contract module, and writes the loan verification passing information into the block chain network platform by calling a chain code in the third intelligent contract to verify the loan request passing through the loan request, and sending third notification information corresponding to the loan audit passing information to the second system, and then sending the third notification information to the first user equipment used by the target merchant by the second system so as to inform the merchant that the loan request passes the audit.
A third and fourth module 34, configured to generate resource issuance credential information related to the resource borrowing request information in response to a resource issuance credential uploading operation performed by the resource issuance company for the resource borrowing request information, send the resource issuance credential information to the first system, so that the first system receives the resource issuance credential information sent by the third system, writes the resource issuance credential information into the block chain network platform by invoking a fourth intelligent contract, settles the cost of the target order as the resource corresponding to the resource issuance credential information to the target agent, and updates the state of the target order from to be paid to paid. In some embodiments, the loan company makes a payment according to a payment account or a bank card account provided by the target merchant in the loan request information, the payment account or the bank card may be a payment account or a bank e-account opened by the payment platform when the target merchant makes a purchase, and the target merchant also signs an entrusted withholding protocol. In some embodiments, the second user device used by the lending company sends the loan voucher (e.g., a ticket) uploaded by the lending company to the third system, the third system persistently stores the loan voucher and generates loan voucher information related to the loan request and sends the loan voucher information to the first system, and the first system sends the loan voucher information to the blockchain gateway, wherein the loan voucher information includes a storage address of the loan voucher or summary information (e.g., an MD5 value) corresponding to the loan voucher obtained by summarizing the loan voucher. In some embodiments, the blockchain gateway routes to a corresponding fourth intelligent contract in the intelligent contract module, writes the money-making voucher information into a blockchain network platform by calling a chain code in the fourth intelligent contract, generates second notification information corresponding to the money-making voucher information, and sends the second notification information to the second system, and then the second system sends the second notification information to the first user equipment used by the target merchant so as to notify the merchant that the borrowing request is made. In some embodiments, if the borrowing company makes a payment to the payment account provided by the target merchant, the first system directly settles the payment to the target agent as the cost of the target order, or if the borrowing company makes a payment to the bank card account provided by the target merchant, the first system applies for deduction from the bank card account and settles the payment to the target agent as the cost of the target order by calling an interface provided by an external institution, updates the state of the target order from the pending payment to the paid state, and falls to the payment mode of the target order to pay the debit.
In some embodiments, the resource borrowing request information further includes first summary information corresponding to the resource borrowing qualification file; the obtaining the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, includes: obtaining the resource borrowing qualification file according to the first address information, comparing the first abstract information with second abstract information corresponding to the resource borrowing qualification file, and if the comparison is passed, presenting the resource borrowing qualification file to the resource issuing company; and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to resource borrowing audit operation executed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 4, and therefore are not described again, and are included herein by reference.
In some embodiments, the apparatus is further configured to: generating new resource borrowing product information corresponding to a target resource borrowing product in response to a product release operation executed by the borrowing resource release company for the target resource borrowing product, transmitting the new resource borrowing product information to the first system, such that the first system receives the added resource borrowed product information sent by the third system, writing the added resource borrowed product information to the blockchain network platform by invoking a sixth intelligent contract, and the information of the newly added resource borrowed products is audited, if the audit is passed, the information of the newly added resource borrowed products is persisted, the audit passed information of the resource borrowed products related to the information of the newly added resource borrowed products is generated, and writing the resource borrowed product auditing passing information into the blockchain network platform by calling a seventh intelligent contract. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 4, and therefore are not described again, and are included herein by reference.
In some embodiments, the apparatus is further configured to: receiving fourth notification information which is sent by the first system and corresponds to the resource returning voucher information of the target order, wherein the first system receives a resource returning application request which is sent by the second system and corresponds to the target order, settles returning resources corresponding to the target order to the resource issuing company, generates the resource returning voucher information of the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning voucher information to the third system; and in response to a resource returning confirmation operation executed by the resource issuing company for the fourth notification information, generating resource returning confirmation information about the target order and sending the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 4, and therefore are not described again, and are included herein by reference.
Fig. 8 shows a flowchart of a method for returning resources applied to a first system according to an embodiment of the present application, the method including step S41 and step S42. In step S41, the first system receives a resource returning application request, sent by the second system, of a target merchant for a target order paid by a target agent, settles a returning resource corresponding to the target order to a resource issuing company corresponding to resource borrowed product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into a block chain network platform by invoking a fifth intelligent contract, and sends fourth notification information corresponding to the resource returning credential information to the third system; in step S42, the first system receives the resource returning confirmation information about the target order sent by the third system based on the fourth notification information, and closes the target order.
In step S41, the first system receives a resource returning application request, sent by the second system, of the target merchant for the paid target order of the target agent, settles a returning resource corresponding to the target order to a resource issuing company corresponding to the resource borrowed product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, and sends fourth notification information corresponding to the resource returning credential information to the third system. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
In step S42, the first system receives the resource returning confirmation information about the target order sent by the third system based on the fourth notification information, and closes the target order. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 9 shows a flowchart of a method for returning resources applied to the second system according to an embodiment of the present application, and the method includes step S51. In step S51, the second system generates a resource returning application request of the target merchant for the target order in response to the resource returning application operation executed by the target merchant for the paid target order of the target agent, sends the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles the resource corresponding to the target order to the resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, sends fourth notification information corresponding to the resource returning credential information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth notification information And closing the target order.
In step S51, the second system generates a resource returning application request of the target merchant for the target order in response to the resource returning application operation executed by the target merchant for the paid target order of the target agent, sends the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles the resource corresponding to the target order to the resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, sends fourth notification information corresponding to the resource returning credential information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth notification information And closing the target order. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 10 shows a flowchart of a method for returning resources applied to a third system according to an embodiment of the present application, the method including step S61 and step S62. In step S61, the third system receives fourth known information, which is sent by the first system and corresponds to resource returning credential information of a target order paid by a target merchant for a target agent, where the first system receives a resource returning application request sent by the second system and related to the target order, settles a returning resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning credential information related to the target order, writes the resource returning credential information into a block chain network platform by invoking a fifth intelligent contract, and sends the fourth known information corresponding to the resource returning credential information to the third system; in step S62, in response to the resource return confirmation operation performed by the resource issuing company for the fourth notification information, the third system generates and transmits resource return confirmation information about the target order to the first system, so that the first system closes the target order based on the resource return confirmation information.
In step S61, the third system receives fourth known information, which is sent by the first system and corresponds to the resource returning credential information of the target order paid by the target merchant for the target agent, where the first system receives a resource returning application request sent by the second system and related to the target order, settles the returning resource corresponding to the target order to the resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates the resource returning credential information related to the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, and sends the fourth known information corresponding to the resource returning credential information to the third system. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
In step S62, in response to the resource return confirmation operation performed by the resource issuing company for the fourth notification information, the third system generates and transmits resource return confirmation information about the target order to the first system, so that the first system closes the target order based on the resource return confirmation information. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 11 shows a first device structure diagram for returning resources according to an embodiment of the present application, the device comprising a quad module 41 and a quad module 42. A fourth module 41, configured to receive a resource returning application request, sent by a second system, of a target merchant for a target order paid by a target agent, settle a returning resource corresponding to the target order to a resource issuing company corresponding to resource borrowed product identification information corresponding to the target order, generate resource returning credential information about the target order, write the resource returning credential information into a block chain network platform by invoking a fifth intelligent contract, and send fourth notification information corresponding to the resource returning credential information to the third system; a fourth and second module 42, configured to receive resource returning confirmation information about the target order sent by the third system based on the fourth notification information, and close the target order.
A fourth module 41, configured to receive a resource returning application request, sent by the second system, of a target merchant for a target order paid by a target agent, settle a returning resource corresponding to the target order to a resource issuing company corresponding to the resource borrowed product identifier information corresponding to the target order, generate resource returning credential information related to the target order, write the resource returning credential information into a block link network platform by invoking a fifth intelligent contract, and send fourth notification information corresponding to the resource returning credential information to the third system. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
A fourth and second module 42, configured to receive resource returning confirmation information about the target order sent by the third system based on the fourth notification information, and close the target order. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 12 shows a second device structure diagram for returning resources according to an embodiment of the present application, the device comprising a five-in-one module 51. A fifthly module 51, configured to generate a resource returning application request for the target order from a target merchant in response to a resource returning application operation executed by the target merchant for the paid target order of the target agent, send the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles a resource corresponding to the target order to a resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, sends fourth pass information corresponding to the resource returning credential information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth pass information, closing the target order.
A fifthly module 51, configured to generate a resource returning application request for the target order from a target merchant in response to a resource returning application operation executed by the target merchant for the paid target order of the target agent, send the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles a resource corresponding to the target order to a resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning credential information about the target order, writes the resource returning credential information into the block chain network platform by invoking a fifth intelligent contract, sends fourth pass information corresponding to the resource returning credential information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth pass information, closing the target order. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 13 shows a third apparatus structure diagram for returning resources, which includes a sixty-one module 61 and a sixty-two module 62 according to an embodiment of the present application. A sixth module 61, configured to receive fourth notification information, which is sent by a first system and corresponds to resource returning credential information of a target order paid by a target merchant for a target agent, where the first system receives a resource returning application request, which is sent by a second system, for the target order, settles returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning credential information for the target order, writes the resource returning credential information into a block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning credential information to a third system; a sixteenth and a twelfth module 62, configured to generate resource returning confirmation information about the target order in response to a resource returning confirmation operation performed by a resource issuing company for the fourth notification information, and send the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information.
A sixth module 61, configured to receive fourth notification information, which is sent by a first system and corresponds to resource returning credential information of a target order paid by a target merchant for a target agent, where the first system receives a resource returning application request, which is sent by a second system, for the target order, settles a returning resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning credential information for the target order, writes the resource returning credential information into a block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning credential information to a third system. In some embodiments, the present application takes resources as money for example, and takes repayment as a resource for example, and those skilled in the art should understand that the present solution is also applicable to any other form of resources, and no further description is given here. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
A sixteenth and a twelfth module 62, configured to generate resource returning confirmation information about the target order in response to a resource returning confirmation operation performed by a resource issuing company for the fourth notification information, and send the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information. In some embodiments, the step of returning the resource is described in detail above, and is not described herein again.
Fig. 14 illustrates a flow chart of a method for a merchant feature according to one embodiment of the present application.
As shown in fig. 14, the first system includes an agent management platform, a Fabric gateway, an intelligent contract module, and a Fabric platform, wherein the small merchant and the agent communicate with the first system through the second system, the agent collects the data of the small merchant, requests the file through the agent management platform, the agent management platform performs qualification verification on the small merchant, opens an account for the small merchant after the verification is passed, notifies the small merchant of opening an electronic contract through a short message, the small merchant performs face recognition through the face recognition service based on the notification of the short message, the face recognition service performs live body verification on the small merchant, after the verification is passed, the agent management platform opens an electronic contract for the small merchant, calls the Fabric gateway to open a merchant account for the small merchant, the Fabric gateway is routed to a corresponding merchant intelligent contract in the intelligent contract module, and calls a chain code in the merchant intelligent contract, and writing the related content of the account opening of the merchant into a block chain in the Fabric platform, and informing the agent management platform.
Figure 15 illustrates a flow chart of a method for issuing a loan product, according to one embodiment of the present application.
As shown in fig. 15, the first system includes a loan management platform, a Fabric gateway, a Fabric event center, an intelligent contract module, and a Fabric platform, the third system includes a loan company platform, the loan company communicates with the first system through the third system, the loan company adds a loan product through the loan company platform, the loan company platform calls the Fabric gateway to add the loan product, the Fabric gateway routes to the corresponding intelligent contract in the intelligent contract module, and calls the chain code in the intelligent contract to open the loan product, the relevant content of product opening is written into the block chain in the Fabric platform, and notifies the loan company platform and notifies the loan company through the loan company platform, the Fabric platform pushes the product opening event to the Fabric event center, the Fabric event center obtains the notification address, sends the product opening notification to the loan management platform, the loan management platform durably generates the product opening notification record to be audited, and the wind control audits the newly added loan product, after the audit is passed, the loan product is duralized, the audit state of the loan product is transited from the audit state to be audited to the audited state, the loan product can be paid for the external loan, the loan management platform calls a Fabric gateway, the Fabric gateway is routed to a corresponding intelligent contract in an intelligent contract module, a chain code in the intelligent contract is called to audit the loan product, the related content of the audit of the loan product passing is written into a block chain in the Fabric platform, at the moment, an audit record about the loan product is newly added in the block chain, and the loan management platform is informed and the wind control is informed by the loan management platform.
Fig. 16 shows a flow diagram of a method for applying for a debit according to one embodiment of the present application.
As shown in fig. 16, the first system includes a lending platform, a Fabric gateway, an intelligent contract module, and a Fabric platform, the third system includes a lending company platform, the lending company communicates with the first system through the third system, the small micro-merchant communicates with the first system through the second system, the small micro-merchant enters goods in the agent store, the agent store calls an acquiring gateway to pay, the acquiring gateway pre-accepts orders, the agent store displays a cashier desk, the small micro-merchant selects to apply for borrowing, the lending platform rechecks orders, the small micro-merchant performs qualification audit after rechecking, the transaction and repayment pipeline provided by the acquiring service after passing, then is packaged and stored as a file, and is MD5 for the file, the lending platform calls the Fabric gateway to submit a borrowing request, the Fabric gateway is routed to the intelligent contract module corresponding to the intelligent contract module, and calls a contract code in the intelligent contract to create a chain borrowing request, and writing the related content created by the borrowing request into a block chain in the Fabric platform, informing the lending company platform and the lending platform, and informing the Xiao-Wen merchant that the borrowing request is successfully received by the lending platform.
Fig. 17 illustrates a flow diagram of a method for auditing a loan, according to one embodiment of the present application.
As shown in fig. 17, the first system includes a loan management platform, a Fabric gateway, a Fabric event center, an intelligent contract module, and a Fabric platform, the third system includes a loan company platform, the loan company communicates with the first system through the third system, the loan company examines the loan request through the loan company platform, the loan company platform calls the Fabric gateway to query the loan request, the Fabric gateway routes the corresponding intelligent contract in the intelligent contract module, and calls a chain code in the intelligent contract to query the loan request, queries corresponding loan information from a block chain in the Fabric platform, and returns the loan information to the loan company platform, the loan company platform queries a corresponding application qualification file, verifies whether the application qualification file MD5 is consistent with the MD5 information in the loan information, if so, the loan company begins to examine the loan request, and after the examination is passed, the Fabric gateway calls the loan company platform, the Fabric gateway is routed to a corresponding intelligent contract in the intelligent contract module, an audit chain code in the intelligent contract is called, the related content of the loan request which passes the audit is written into a block chain in the Fabric platform, the lending company platform is informed, and the block chain write-in event is pushed to the Fabric event center.
FIG. 18 shows a flow diagram of a method for depositing a money according to one embodiment of the present application.
As shown in fig. 18, the first system includes a loan management platform, a Fabric gateway, a Fabric event center, an intelligent contract module, and a Fabric platform, the third system includes a loan company platform, the loan company communicates with the first system through the third system, the loan company uploads a payment voucher to the loan company platform, the loan company platform stores the payment voucher and makes MD5 to the payment voucher, the Fabric gateway is called to chain the payment voucher, the Fabric gateway is routed to the corresponding intelligent contract in the intelligent contract module, and a chain code in the intelligent contract is called, the payment voucher is written into a block chain in the Fabric platform, the loan supply company platform is notified, the loan company platform is notified through the loan company platform, the loan event is notified to the loan management platform through the Fabric event center, the loan management platform applies for deduction through a deduction mechanism, and orders are checked, and the loan management platform is cleared, and calling the Fabric gateway to chain the special information, routing the Fabric gateway to a corresponding intelligent contract in the intelligent contract module, calling a chain code in the intelligent contract, writing the special information into a block chain in the Fabric platform, and informing the loan management platform.
FIG. 19 shows a flow diagram of a method for making a payment according to one embodiment of the present application.
As shown in fig. 19, the first system includes a lending platform, a Fabric gateway, a Fabric event center, an intelligent contract module, and a Fabric platform, the third system includes a lending company platform, the lending company communicates with the first system through the third system, the small micro merchant communicates with the first system through the second system, the small micro merchant applies for repayment through the lending platform, the lending platform confirms the repayment amount and renders a cashier desk, the small micro merchant selects a payment mode to pay, after the payment succeeds, the lending platform settles to a repayment middle house first, then executes the repayment, settles to the lending company from the repayment middle house, the lending platform calls the Fabric gateway to chain the repayment certificate, the Fabric gateway routes to the corresponding intelligent contract in the intelligent contract module, and calls a chain code in the intelligent contract to write the repayment certificate into a block chain in the Fabric platform and notifies the Fabric platform of the event center to the repayment platform, and the system is notified to the borrowing company platform through the Fabric event center, and the borrowing company platform confirms account posting information and updates the local borrowing request state to be repayed.
FIG. 21 illustrates an exemplary system that can be used to implement the various embodiments described herein;
in some embodiments, as shown in FIG. 21, the system 300 can be implemented as any of the devices in the various embodiments described. In some embodiments, system 300 may include one or more computer-readable media (e.g., system memory or NVM/storage 320) having instructions and one or more processors (e.g., processor(s) 305) coupled with the one or more computer-readable media and configured to execute the instructions to implement modules to perform the actions described herein.
For one embodiment, system control module 310 may include any suitable interface controllers to provide any suitable interface to at least one of processor(s) 305 and/or any suitable device or component in communication with system control module 310.
The system control module 310 may include a memory controller module 330 to provide an interface to the system memory 315. Memory controller module 330 may be a hardware module, a software module, and/or a firmware module.
System memory 315 may be used, for example, to load and store data and/or instructions for system 300. For one embodiment, system memory 315 may include any suitable volatile memory, such as suitable DRAM. In some embodiments, the system memory 315 may include a double data rate type four synchronous dynamic random access memory (DDR4 SDRAM).
For one embodiment, system control module 310 may include one or more input/output (I/O) controllers to provide an interface to NVM/storage 320 and communication interface(s) 325.
For example, NVM/storage 320 may be used to store data and/or instructions. NVM/storage 320 may include any suitable non-volatile memory (e.g., flash memory) and/or may include any suitable non-volatile storage device(s) (e.g., one or more Hard Disk Drives (HDDs), one or more Compact Disc (CD) drives, and/or one or more Digital Versatile Disc (DVD) drives).
NVM/storage 320 may include storage resources that are physically part of the device on which system 300 is installed or may be accessed by the device and not necessarily part of the device. For example, NVM/storage 320 may be accessible over a network via communication interface(s) 325.
Communication interface(s) 325 may provide an interface for system 300 to communicate over one or more networks and/or with any other suitable device. System 300 may wirelessly communicate with one or more components of a wireless network according to any of one or more wireless network standards and/or protocols.
For one embodiment, at least one of the processor(s) 305 may be packaged together with logic for one or more controller(s) (e.g., memory controller module 330) of the system control module 310. For one embodiment, at least one of the processor(s) 305 may be packaged together with logic for one or more controller(s) of the system control module 310 to form a System In Package (SiP). For one embodiment, at least one of the processor(s) 305 may be integrated on the same die with logic for one or more controller(s) of the system control module 310. For one embodiment, at least one of the processor(s) 305 may be integrated on the same die with logic for one or more controller(s) of the system control module 310 to form a system on a chip (SoC).
In various embodiments, system 300 may be, but is not limited to being: a server, a workstation, a desktop computing device, or a mobile computing device (e.g., a laptop computing device, a handheld computing device, a tablet, a netbook, etc.). In various embodiments, system 300 may have more or fewer components and/or different architectures. For example, in some embodiments, system 300 includes one or more cameras, a keyboard, a Liquid Crystal Display (LCD) screen (including a touch screen display), a non-volatile memory port, multiple antennas, a graphics chip, an Application Specific Integrated Circuit (ASIC), and speakers.
In addition to the methods and apparatus described in the embodiments above, the present application also provides a computer readable storage medium storing computer code that, when executed, performs the method as described in any of the preceding claims.
The present application also provides a computer program product, which when executed by a computer device, performs the method of any of the preceding claims.
The present application further provides a computer device, comprising:
one or more processors;
a memory for storing one or more computer programs;
the one or more computer programs, when executed by the one or more processors, cause the one or more processors to implement the method of any preceding claim.
It should be noted that the present application may be implemented in software and/or a combination of software and hardware, for example, implemented using Application Specific Integrated Circuits (ASICs), general purpose computers or any other similar hardware devices. In one embodiment, the software programs of the present application may be executed by a processor to implement the steps or functions described above. Likewise, the software programs (including associated data structures) of the present application may be stored in a computer readable recording medium, such as RAM memory, magnetic or optical drive or diskette and the like. Additionally, some of the steps or functions of the present application may be implemented in hardware, for example, as circuitry that cooperates with the processor to perform various steps or functions.
In addition, some of the present application may be implemented as a computer program product, such as computer program instructions, which when executed by a computer, may invoke or provide methods and/or techniques in accordance with the present application through the operation of the computer. Those skilled in the art will appreciate that the form in which the computer program instructions reside on a computer-readable medium includes, but is not limited to, source files, executable files, installation package files, and the like, and that the manner in which the computer program instructions are executed by a computer includes, but is not limited to: the computer directly executes the instruction, or the computer compiles the instruction and then executes the corresponding compiled program, or the computer reads and executes the instruction, or the computer reads and installs the instruction and then executes the corresponding installed program. Computer-readable media herein can be any available computer-readable storage media or communication media that can be accessed by a computer.
Communication media includes media by which communication signals, including, for example, computer readable instructions, data structures, program modules, or other data, are transmitted from one system to another. Communication media may include conductive transmission media such as cables and wires (e.g., fiber optics, coaxial, etc.) and wireless (non-conductive transmission) media capable of propagating energy waves such as acoustic, electromagnetic, RF, microwave, and infrared. Computer readable instructions, data structures, program modules, or other data may be embodied in a modulated data signal, for example, in a wireless medium such as a carrier wave or similar mechanism such as is embodied as part of spread spectrum techniques. The term "modulated data signal" means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal. The modulation may be analog, digital or hybrid modulation techniques.
By way of example, and not limitation, computer-readable storage media may include volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data. For example, computer-readable storage media include, but are not limited to, volatile memory such as random access memory (RAM, DRAM, SRAM); and non-volatile memory such as flash memory, various read-only memories (ROM, PROM, EPROM, EEPROM), magnetic and ferromagnetic/ferroelectric memories (MRAM, FeRAM); and magnetic and optical storage devices (hard disk, tape, CD, DVD); or other now known media or later developed that can store computer-readable information/data for use by a computer system.
An embodiment according to the present application comprises an apparatus comprising a memory for storing computer program instructions and a processor for executing the program instructions, wherein the computer program instructions, when executed by the processor, trigger the apparatus to perform a method and/or a solution according to the aforementioned embodiments of the present application.
It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it is obvious that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. A plurality of units or means recited in the apparatus claims may also be implemented by one unit or means in software or hardware. The terms first, second, etc. are used to denote names, but not any particular order.

Claims (30)

1. A method for borrowing resources, applied to a first system, wherein the method comprises:
receiving a resource borrowing application request, which is sent by a second system and is aimed at a target order to be paid of a target agent, of a target merchant;
performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generating resource borrowing request information related to the target order, writing the resource borrowing request information into a block chain network platform by calling a first intelligent contract, and sending first notification information corresponding to the resource borrowing request information to the second system and the third system;
receiving a resource borrowing query request which is sent by the third system and is related to the first notification information, querying from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information and returning the resource borrowing request information to the third system, receiving resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system based on the resource borrowing qualification file, and writing the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract;
Receiving resource issuing voucher information which is sent by the third system and related to the resource borrowing request information, writing the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information to the target agent, and updating the state of the target order from to-be-paid to paid.
2. The method of claim 1, wherein the resource borrowing application request further includes a cost of the target order;
wherein the resource borrowing qualification auditing the target merchant based on the resource borrowing qualification certification information comprises:
and rechecking the cost, and if the rechecking is passed, performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information.
3. The method according to claim 1 or 2, wherein the performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification information comprises:
querying and obtaining historical transaction information and historical borrowing and returning resource information corresponding to the target merchant;
and performing resource borrowing qualification auditing on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information.
4. The method of claim 3, wherein the performing a resource borrowing qualification audit on the target merchant based on the resource borrowing qualification information, the historical transaction information, and the historical borrowing resource information comprises:
determining resource borrowing risk coefficient information corresponding to the target merchant according to the historical transaction information and the historical borrowing and returning resource information;
and if the resource borrowing risk coefficient information is less than or equal to a preset risk coefficient threshold value, performing resource borrowing qualification audit on the target merchant based on the resource borrowing qualification certification information, the historical transaction information and the historical borrowing resource information, and otherwise, directly determining that the target merchant does not pass the resource borrowing qualification audit.
5. The method according to claim 3, wherein the generating and storing the resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification information comprises:
and generating and storing a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, the historical transaction information and the historical borrowing and returning resource information.
6. The method according to claim 1 or 5, wherein the resource borrowing request information includes first address information corresponding to the resource borrowing qualification file, resource borrowing product identification information corresponding to the target order, and first summary information corresponding to the resource borrowing qualification file, so that the third system obtains the resource borrowing qualification file according to the first address information, compares the first summary information with second summary information corresponding to the resource borrowing qualification file, and if the comparison is passed, the third system presents the resource borrowing qualification file to a resource issuing company corresponding to the resource borrowing product identification information.
7. The method of claim 1, wherein the first system further comprises a blockchain event center, the method further comprising:
registering, by the blockchain event center, a first event listener, written to the blockchain network platform with respect to the resource borrowing audit pass information, to the blockchain network platform;
wherein the writing the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract further comprises:
And responding to the triggering of the first event monitor by the block chain network platform, sending third notification information corresponding to the resource borrowing audit passing information to the block chain event center, and sending the third notification information to the second system through the block chain event center.
8. The method of claim 1, wherein the settling the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent comprises:
and checking the target order, and if the target order passes the checking, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information.
9. The method of claim 8, wherein the resource borrowing application request further includes a resource account of the target merchant;
wherein the checking the target order, and if the checking is passed, the settlement of the cost of the target order by using the resource corresponding to the resource issuing voucher information comprises:
and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, and settling the cost of the target order, which is the resource corresponding to the resource issuing voucher information, to the target agent from the resource account.
10. The method of claim 9, wherein the checking the target order, and if the checking is passed, executing a commission deduction for the resource account, and settling the resource corresponding to the resource issuance credential information from the resource account to the target agent as the cost of the target order comprises:
and checking the target order, if the target order passes the checking, executing entrusted withholding aiming at the resource account, settling the resource corresponding to the resource issuing voucher information to a resource borrowing intermediate account corresponding to the first system from the resource account, and settling the cost of the resource serving as the target order to the target agent from the resource borrowing intermediate account.
11. The method of claim 1, wherein the first system further comprises a blockchain event center, the method further comprising:
registering, by the blockchain event center, a second event listener, written to the blockchain network platform with respect to the resource issuance credential information, to the blockchain network platform;
wherein the writing the resource issuance credential information into the blockchain network platform by invoking the fourth intelligent contract further comprises:
And triggering the second event monitor through the blockchain network platform, sending second notification information corresponding to the resource release voucher information to the blockchain event center, and sending the second notification information to the second system through the blockchain event center.
12. The method of claim 1, wherein the method further comprises:
receiving a resource returning application request, sent by the second system, of the target merchant for the target order, settling returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information about the target order, writing the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sending fourth known information corresponding to the resource returning voucher information to the third system;
and receiving resource returning confirmation information which is sent by the third system based on the fourth notification information and is about the target order, and closing the target order.
13. The method of claim 1, wherein the method further comprises:
Receiving newly added resource borrowed product information sent by the third system, writing the newly added resource borrowed product information into the block chain network platform by calling a sixth intelligent contract, checking the newly added resource borrowed product information, if the checking is passed, persisting the newly added resource borrowed product information, generating resource borrowed product checking passing information related to the newly added resource borrowed product information, and writing the resource borrowed product checking passing information into the block chain network platform by calling a seventh intelligent contract.
14. The method of claim 1, wherein the first system further comprises an agent management platform, the method further comprising:
receiving request incoming information which is sent by the second system and is about the target merchant, wherein the request incoming information comprises merchant profile information of the target merchant;
and performing qualification verification on the target merchant through the agent management platform according to the merchant data information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract.
15. The method of claim 14, wherein the generating account provisioning information for the target merchant comprises:
and if the verification is passed, opening the electronic contract, and generating account opening information about the target merchant according to the electronic contract.
16. The method according to claim 1, wherein the settling the cost of the resource corresponding to the resource issuance credential information as the target order to the target agent further comprises:
generating resource-specific information about the target order, and writing the resource-specific information into the blockchain network platform by calling a ninth intelligent contract.
17. A method for borrowing resources, applied to a second system, wherein the method comprises:
responding to resource borrowing application operation executed by a target merchant aiming at a target order to be paid of a target agent, generating a resource borrowing application request corresponding to the target order, and sending the resource borrowing application request to a first system;
Receiving first notification information which is sent by the first system and related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request is accepted, wherein the first system performs resource borrowing qualification auditing on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, generates and stores a resource borrowing qualification file corresponding to the target merchant according to the resource borrowing qualification certification information, generates resource borrowing request information related to the target order, writes the resource borrowing request information into a block link network platform by calling a first intelligent contract, and sends the first notification information corresponding to the resource borrowing request information to the second system and the third system;
receiving third notification information which is sent by the first system and is related to the resource borrowing application request, so as to notify the target merchant that the resource borrowing application request passes the audit, wherein the first system receives a resource borrowing query request which is sent by the third system and is related to the first notification information, queries from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information and returns the resource borrowing request information to the third system, receives resource borrowing audit passing information corresponding to the resource borrowing request information sent by the third system, writes the resource borrowing audit passing information into the block chain network platform by calling a third intelligent contract, and sends third notification information corresponding to the resource borrowing audit passing information to the second system;
Receiving second notification information which is sent by the first system and is related to the resource borrowing application request, and notifying the target merchant that the resource corresponding to the resource borrowing application request is issued, wherein the first system receives resource issuing voucher information which is sent by the third system and is related to the target order, writes the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, sends the second notification information corresponding to the resource issuing voucher information to the second system, settles the cost of the resource corresponding to the resource issuing voucher information as the target order to the target agent, and updates the state of the target order from waiting for payment to paid.
18. The method of claim 17, wherein the method further comprises:
responding to an application returning resource operation executed by the target merchant for the target order, generating a resource returning application request of the target merchant for the target order, sending the resource returning application request to the first system, so that the first system receives the resource returning application request sent by the second system, settles the resource corresponding to the target order to a resource issuing company corresponding to the resource borrowing product identification information corresponding to the target order, generates resource returning voucher information about the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, sends fourth notification information corresponding to the resource returning voucher information to the third system, and receives resource returning confirmation information about the target order sent by the third system based on the fourth notification information, closing the target order.
19. The method of claim 17, wherein the method further comprises:
responding to an application incoming operation executed by the target agent for the target merchant, generating request incoming information about the target merchant, sending the request incoming information to the first system, enabling the first system to receive the request incoming information sent by the second system, performing qualification verification on the target merchant through an agent management platform in the first system according to merchant data information in the request incoming information, if the verification is passed, generating account opening information about the target merchant, and writing the account opening information into the block chain network platform by calling an eighth intelligent contract.
20. A method for borrowing resources, applied to a third system, wherein the method comprises:
receiving first notification information which is sent by a first system and is related to a resource borrowing application request of a target order to be paid of a target agent by a target merchant, wherein the first system receives the resource borrowing application request sent by a second system, the first system conducts resource borrowing qualification auditing on the target merchant based on resource borrowing qualification certification information corresponding to the target merchant, if the auditing is passed, a resource borrowing qualification file corresponding to the target merchant is generated and stored according to the resource borrowing qualification certification information, resource borrowing request information related to the target order is generated, the resource borrowing request information is written into a block chain network platform by calling a first intelligent contract, and the first notification information corresponding to the resource borrowing request information is sent to the second system;
Responding to a resource borrowing query operation executed by a resource issuing company for the first notification information, generating a resource borrowing query request related to the first notification information, and sending the resource borrowing query request to the first system, so that the first system receives the resource borrowing query request sent by the third system, queries from the block chain network platform by calling a second intelligent contract to obtain the resource borrowing request information, and returns the resource borrowing request information to the third system;
obtaining the resource borrowing qualification file according to first address information corresponding to the resource borrowing qualification file, responding to resource borrowing auditing operation executed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, generating resource borrowing auditing passing information corresponding to the resource borrowing request information, and sending the resource borrowing auditing passing information to the first system, so that the first system receives the resource borrowing auditing passing information sent by the third system, and writes the resource borrowing auditing passing information into the block chain network platform by calling a third intelligent contract;
Responding to a resource issuing voucher uploading operation executed by the resource issuing company aiming at the resource borrowing request information, generating resource issuing voucher information related to the resource borrowing request information, sending the resource issuing voucher information to the first system, enabling the first system to receive the resource issuing voucher information sent by the third system, writing the resource issuing voucher information into the block chain network platform by calling a fourth intelligent contract, settling the cost of the target order which is the resource corresponding to the resource issuing voucher information to the target agent, and updating the state of the target order from waiting for payment to paid.
21. The method according to claim 20, wherein the resource borrowing request information further includes first summary information corresponding to the resource borrowing qualification file;
the obtaining the resource borrowing qualification file according to the first address information corresponding to the resource borrowing qualification file, and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to a resource borrowing audit operation performed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file, includes:
Obtaining the resource borrowing qualification file according to the first address information, comparing the first abstract information with second abstract information corresponding to the resource borrowing qualification file, and if the comparison is passed, presenting the resource borrowing qualification file to the resource issuing company;
and generating resource borrowing audit passing information corresponding to the resource borrowing request information in response to resource borrowing audit operation executed by the resource issuing company on the resource borrowing request information based on the resource borrowing qualification file.
22. The method of claim 20, wherein the method further comprises:
generating new resource borrowing product information corresponding to a target resource borrowing product in response to a product release operation executed by the borrowing resource release company for the target resource borrowing product, transmitting the new resource borrowing product information to the first system, such that the first system receives the added resource borrowed product information sent by the third system, writing the added resource borrowed product information to the blockchain network platform by invoking a sixth intelligent contract, and the information of the newly added resource borrowed products is audited, if the audit is passed, the information of the newly added resource borrowed products is persisted, the audit passed information of the resource borrowed products related to the information of the newly added resource borrowed products is generated, and writing the resource borrowed product auditing passing information into the blockchain network platform by calling a seventh intelligent contract.
23. The method of claim 20, wherein the method further comprises:
receiving fourth notification information which is sent by the first system and corresponds to the resource returning voucher information of the target order, wherein the first system receives a resource returning application request which is sent by the second system and corresponds to the target order, settles returning resources corresponding to the target order to the resource issuing company, generates the resource returning voucher information of the target order, writes the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, and sends the fourth notification information corresponding to the resource returning voucher information to the third system;
and in response to a resource returning confirmation operation executed by the resource issuing company for the fourth notification information, generating resource returning confirmation information about the target order and sending the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information.
24. A method for returning resources, applied to a first system, wherein the method comprises:
receiving a resource returning application request, sent by a second system, of a target merchant for a paid target order of a target agent, settling returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information about the target order, writing the resource returning voucher information into a block chain network platform by calling a fifth intelligent contract, and sending fourth known information corresponding to the resource returning voucher information to the third system;
And receiving resource returning confirmation information which is sent by the third system based on the fourth notification information and is about the target order, and closing the target order.
25. A method for returning a resource, applied to a second system, wherein the method comprises:
responding to an application returning resource operation executed by a target merchant for a paid target order of a target agent, generating a resource returning application request of the target merchant for the target order, sending the resource returning application request to the first system, enabling the first system to receive the resource returning application request sent by the second system, settling a resource corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generating resource returning voucher information related to the target order, writing the resource returning voucher information into the block chain network platform by calling a fifth intelligent contract, sending fourth known information corresponding to the resource returning voucher information to the third system, and receiving resource returning confirmation information related to the target order sent by the third system based on the fourth known information, closing the target order.
26. A method for returning resources, applied to a third system, wherein the method comprises:
receiving fourth known information which is sent by a first system and corresponds to resource returning voucher information of a target order paid by a target merchant for a target agent, wherein the first system receives a resource returning application request which is sent by a second system and is about the target order, settles returning resources corresponding to the target order to a resource issuing company corresponding to resource borrowing product identification information corresponding to the target order, generates the resource returning voucher information about the target order, writes the resource returning voucher information into a block chain network platform by calling a fifth intelligent contract, and sends the fourth known information corresponding to the resource returning voucher information to a third system;
and in response to a resource returning confirmation operation executed by a resource issuing company for the fourth notification information, generating resource returning confirmation information about the target order and sending the resource returning confirmation information to the first system, so that the first system closes the target order based on the resource returning confirmation information.
27. A computer device for borrowing resources, comprising a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to implement the steps of the method of any one of claims 1 to 23.
28. A computer device for returning resources, comprising a memory, a processor and a computer program stored on the memory, characterized in that the processor executes the computer program to implement the steps of the method of any of claims 24 to 26.
29. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 26.
30. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 26 when executed by a processor.
CN202110832175.9A 2021-07-22 2021-07-22 Method, apparatus, medium, and program product for borrowing resources Pending CN113538122A (en)

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