CN114021206A

CN114021206A - Financing leasing method and device, block chain equipment and storage medium

Info

Publication number: CN114021206A
Application number: CN202111433690.6A
Authority: CN
Inventors: 陈凯
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-11-29
Filing date: 2021-11-29
Publication date: 2022-02-08

Abstract

The embodiment of the application relates to the technical field of block chains, and provides a financing leasing method, a financing leasing device, block chain equipment and a storage medium, wherein the method is applied to the block chain equipment in a block chain platform, each node in the block chain platform is a node which passes the auditing based on corresponding credit investigation information and/or wind control information, and the method comprises the following steps: in response to a lease application of a tenant node, determining a subject matter satisfying the lease application; after the lessee nodes select target objects from the determined objects, linking the contracts among the transaction nodes and generating intelligent contracts corresponding to the contracts; the transaction nodes comprise lessee nodes, provider nodes corresponding to the target object, financing institution nodes and insurance institution nodes; and executing the corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information on the basis of the transaction execution result. The embodiment solves the problem of distrust among the nodes in the financing lease and realizes safe financing lease.

Description

Financing leasing method and device, block chain equipment and storage medium

Technical Field

The embodiment of the application relates to the technical field of block chains, in particular to a financing leasing method, a financing leasing device, block chain equipment and a storage medium.

Background

With the development of science and technology, the financing lease service is more and more popular, the financing lease refers to that a lessee (financing organization) purchases lease articles from a supply person and leases the lease articles to the lessee for use according to the specific requirements of the lessee on the lease articles and the selection of the supply person, the lessee pays rent to the financing organization by stages, the ownership of the lease articles belongs to the financing organization in the lease period, and the lessee has the use right of the lease articles.

However, medium and small enterprises are difficult to control by wind and have a high risk of bad accounts, so that financing lease ecology is not trusted by the medium and small enterprises, so that the financing lease of a plurality of medium and small enterprises is difficult to realize, and the development of the financing lease industry is influenced.

Disclosure of Invention

The embodiment of the application provides a financing leasing method and device, block chain equipment and a storage medium, which are used for solving the problem of distrust among nodes in the financing leasing.

In a first aspect, an embodiment of the present application provides a financing lease method, which is applied to a blockchain device in a blockchain platform, where each node in the blockchain platform is a node that passes an audit based on corresponding credit investigation information and/or wind control information, and the method includes:

in response to a lease application for a tenant node in the blockchain platform, determining subject matter that satisfies the lease application;

after the lessee nodes select target objects from the determined objects, linking the contracts among the transaction nodes and generating intelligent contracts corresponding to the contracts; the transaction nodes comprise the lessee nodes, the provider nodes corresponding to the target subject matter, financing institution nodes and insurance institution nodes;

and executing corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information based on the transaction execution result.

According to the scheme, the credit investigation information and/or the wind control information of each node in the financing lease are checked through the block chain platform, so that the transparency and the wind control safety of the credit investigation of each node are ensured, and the trust between different nodes is established; by linking the contract and the transaction information, the data sharing is realized and cannot be tampered, and the safety of the data is ensured; in addition, the intelligent contract is generated, the transaction corresponding to each transaction term is executed intelligently and efficiently, and the embodiment solves the problem of distrust among nodes in financing lease by decentralization and examination on each node, so that safe financing lease is realized.

In some optional embodiments, after executing the corresponding transaction, the method further includes:

and updating credit investigation information of the corresponding transaction node based on the transaction execution result through credit investigation institution nodes in the blockchain platform.

According to the scheme, the credit investigation information of the corresponding transaction node is updated in real time based on the transaction execution result, so that the credit investigation information can completely reflect the latest credit investigation condition of the corresponding transaction node, the blockchain platform can timely find whether the transaction node complies with the contract or not after the transaction node is added into the blockchain platform, the transaction node is timely removed when the transaction node does not comply with the contract, and the trust between different nodes is further ensured.

In some alternative embodiments, determining subject matter that satisfies the lease application includes:

and determining the object meeting the requirements in the lease application from all the objects passing the audit.

According to the scheme, the object meeting various requirements in the lease application is determined from all the object passing the audit, so that the object provided for the tenant node is ensured to really exist, and the requirement adaptation degree of the tenant node is high.

In some optional embodiments, for any object to be checked, the object to be checked is checked by:

according to the comparison result of the object to be checked, which is recorded by the government agency node and/or the insurance agency node in the block chain platform, checking the object to be checked; and the comparison result is determined by the government agency node and/or the insurance agency node based on the online input information and the offline field information of the object to be checked.

In some optional embodiments, after determining the subject matter satisfying the lease application, the method further includes:

and ordering the objects meeting the lease application based on the ordering rule selected by the tenant node or a default ordering rule.

According to the scheme, as more target objects generally meet the lease application of the tenant node in the implementation, the target objects meeting the lease application are sequenced, so that the tenant node can conveniently check the target objects meeting the lease application, and the efficiency of selecting the target object by the tenant node is improved.

In some optional embodiments, the transaction node further comprises a logistics agency node if the target subject matter needs to be delivered from the corresponding provider node to the tenant node and/or returned from the tenant node to the corresponding provider node by a logistics manner.

In a second aspect, an embodiment of the present application further provides a financing lease apparatus, which is applied to a blockchain device in a blockchain platform, where each node in the blockchain platform is a node that passes an audit based on corresponding credit investigation information and/or wind control information, and the apparatus includes:

a subject matter determination module, configured to determine, in response to a lease application of a tenant node in the blockchain platform, a subject matter that satisfies the lease application;

the intelligent contract generating module is used for linking the contracts among the transaction nodes and generating intelligent contracts corresponding to the contracts after the lessee nodes select target objects from the determined object objects; the transaction nodes comprise the lessee nodes, the provider nodes corresponding to the target subject matter, financing institution nodes and insurance institution nodes;

and the transaction execution module is used for executing corresponding transaction after meeting each transaction term in the intelligent contract and linking the transaction information on the basis of a transaction execution result.

In some optional embodiments, the system further includes an updating module, configured to update credit investigation information of the corresponding transaction node based on the transaction execution result through the credit investigation institution node in the blockchain platform after the transaction execution module executes the corresponding transaction.

In some optional embodiments, the subject determination module is specifically configured to:

In some optional embodiments, the subject matter determination module, after determining subject matter satisfying the lease application, is further configured to:

In a third aspect, an embodiment of the present application provides a blockchain apparatus, including at least one processor and at least one memory, where the memory stores a computer program, and when the program is executed by the processor, the processor is caused to execute any one of the financing leasing methods described in the first aspect.

In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program executable by a computer, wherein the program, when executed on the computer, causes the computer to execute the financing leasing method according to any one of the first aspect.

In a fifth aspect, embodiments of the present application provide a computer program product comprising computer-executable instructions for causing a computer to perform the method for financing lease as defined in any one of the first aspect.

In addition, for technical effects brought by any one implementation manner of the second to fifth aspects, reference may be made to technical effects brought by different implementation manners of the first aspect, and details are not described here.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is an architecture diagram of a first block chain platform according to an embodiment of the present disclosure;

FIG. 2 is a schematic flow chart illustrating a first method for financing rental according to an embodiment of the present application;

fig. 3 is an architecture diagram of a second block chain platform according to an embodiment of the present application;

FIG. 4 is an architecture diagram of a third blockchain platform provided in an embodiment of the present application;

FIG. 5 is a flowchart illustrating a second method for financing rental according to an embodiment of the present application;

FIG. 6 is a flowchart illustrating a third method for financing rental in accordance with an embodiment of the present application;

FIG. 7 is an architecture diagram of a fourth blockchain platform provided in an embodiment of the present application;

FIG. 8 is a schematic structural diagram of a financing rental apparatus according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a blockchain apparatus according to an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In the embodiment of the present application, the term "and/or" describes an association relationship of associated objects, and means that there may be three relationships, for example, a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present application, "a plurality" means two or more unless otherwise specified.

In the description of the present application, it is to be noted that, unless otherwise explicitly stated or limited, the term "connected" is to be understood broadly, and may for example be directly connected, indirectly connected through an intermediate medium, or be a communication between two devices. The specific meaning of the above terms in the present application can be understood by those of ordinary skill in the art as appropriate.

In the financing lease, a financing mechanism pays a lease item to a supplier according to the specific requirement of the lessee on the lease item and the selection of the supplier, the lease item is leased to the lessee for use, the lessee pays rent to the financing mechanism by stages, the ownership of the lease item belongs to the financing mechanism in the lease period, and the lessee has the use right of the lease item.

In view of this, an embodiment of the present application provides a financing lease method, an apparatus, a blockchain device, and a storage medium, which are applied to a blockchain device in a blockchain platform, where each node in the blockchain platform is a node that passes an audit based on corresponding credit investigation information and/or wind control information, and the method includes: in response to a lease application for a tenant node in the blockchain platform, determining subject matter that satisfies the lease application; after the lessee nodes select target objects from the determined objects, linking the contracts among the transaction nodes and generating intelligent contracts corresponding to the contracts; the transaction nodes comprise the lessee nodes, the provider nodes corresponding to the target subject matter, financing institution nodes and insurance institution nodes; and executing corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information based on the transaction execution result.

In this embodiment, referring to fig. 1, a blockchain platform 100 includes a blockchain device 110 and a plurality of nodes associated with the blockchain device, where each node in the blockchain platform is a node that passes audit based on corresponding credit investigation information and/or wind control information; the credit investigation information can be related information determined by a credit investigation structure; the wind control information can be related information inquired through an enterprise risk inquiry platform. Illustratively, if the credit rating of the node is determined to be poor based on the credit information of the node, the node does not pass the audit; if the node is determined to have a high risk based on the wind control information of the node, the node is not approved; and if the credit degree of the node is determined to be better based on the credit investigation information of the node, the risk of the node is determined to be smaller based on the wind control information of the node, and the node passes the audit.

Fig. 1 illustrates an example of a tenant node 121, a provider node 122, a financing institution node 123, and an insurance institution node 124, and in an actual application, the blockchain platform may have other nodes;

the blockchain device 110 determines an object satisfying a lease application in response to the lease application from the tenant node 121; after the tenant node 121 selects a target object, chaining contracts among the tenant node 121, the provider node 122, the financing institution node 123 and the insurance institution node 124, and generating an intelligent contract corresponding to each contract; and executing the corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information on the basis of the transaction execution result.

The block chain platform can provide consensus service for a alliance chain which provides consensus service through Orderer (sequencing) nodes, a cluster is built, a kafka consensus mechanism is adopted, data uplink which cannot be tampered is isolated through different channels, a virtual communication link with confidentiality is formed, and multi-party institutions are supported to access/view data of encrypted uplink according to authorization.

The following describes the technical solutions of the present application and how to solve the above technical problems in detail with reference to the accompanying drawings and specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments.

The embodiment of the present application provides a first financing leasing method, which is applied to the above block chain device, as shown in fig. 2, and includes the following steps:

step S201: in response to a lease application for a tenant node in the blockchain platform, determining a subject matter that satisfies the lease application.

In the implementation, when the lessee node leases the object through the financing mode, a lease application needs to be initiated, wherein the lease application comprises various requirements of the lessee node on the object, such as distance from the lessee node, lease price, object type and the like;

and the block chain platform determines the object meeting the lease application based on each requirement of the node of the lessee.

The above-mentioned subject matter is an article which can be rented through a financing method, such as a mechanical device, an infrastructure, an automobile, an airplane, a ship, etc., which is not specifically limited in this embodiment.

Step S202: and after the lessee node selects a target object from the determined objects, linking the contracts between the transaction nodes and generating intelligent contracts corresponding to the contracts.

The transaction nodes comprise the lessee nodes, the provider nodes corresponding to the target subject matter, the financing institution nodes and the insurance institution nodes.

In this embodiment, there are usually more target objects to satisfy the lease application of the tenant node, and based on this, the tenant node further needs to select a target object from the target objects (i.e. the target object that the tenant node needs to lease in a financing manner); various contracts can be signed among the lessee nodes, the provider nodes corresponding to the target subject matter, the financing institution nodes and the insurance institution nodes, contract sharing and falsification cannot be realized by chaining the contracts among the transaction nodes, and the safety and effectiveness of the contracts are ensured; by generating the intelligent contract, the transaction corresponding to each transaction term is intelligently and efficiently executed.

The transaction nodes comprise lessee nodes, provider nodes corresponding to target objects, financing institution nodes and insurance institution nodes, and the contracts between the corresponding transaction nodes comprise the following parts or all of the following parts:

a bid delivery/return contract between the lessee node and a provider node corresponding to the target bid;

a money making contract between the financing institution node and a provider node corresponding to the target subject matter;

financing contracts between tenant nodes and financing organization nodes;

insurance contracts between the lessee node and the insurance agency node, between the provider node and the insurance agency node corresponding to the target object, and between the financing agency node and the insurance agency node.

The contracts between the transaction nodes are exemplary only, and other contracts are possible in practice.

The specific generation manner of the intelligent contract is not limited in this embodiment, for example, the intelligent contract is written by using a specific language in a block chain platform, or the intelligent contract is written by using a general programming language such as Java (object oriented programming language), Go (open source programming language), or node.

Step S203: and executing corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information based on the transaction execution result.

The blockchain device may execute the corresponding transaction after meeting the transaction terms based on the transaction terms in the written intelligent contract.

Illustratively, for an intelligent contract between a financing institution node and a provider node corresponding to a target object, after meeting a transaction term of the intelligent contract, which is used for financing the provider node corresponding to the target object by the financing institution node, the intelligent contract is used for making money from the financing institution node to the provider node corresponding to the target object;

and aiming at the intelligent contract between the financing institution node and the lessee node, after the transaction terms of the payment from the lessee node to the financing institution node in the intelligent contract are met, the payment is made from the lessee node to the financing institution node.

The above transaction process is only exemplary, and the present application is not limited thereto.

In this embodiment, the transaction information is linked, so that the transaction information is shared and cannot be tampered, and the security and effectiveness of the transaction information are ensured.

In some optional embodiments, the step S201 may be implemented by, but not limited to, the following manners:

In implementation, the provider node may provide a false subject matter, in order to further ensure trust of each node in the financing lease and ensure smooth financing lease, the blockchain platform needs to check the subject matter, and only provides the subject matter that passes the check for the lessee.

As described above, the lease application includes the requirements of the tenant node for the subject matter, and the block chain platform needs to determine the subject matter that meets the requirements in the lease application and passes the audit.

Illustratively, the lease application contains the following information: the distance between the object and the lessee is less than A km, the lease price is lower than B yuan, and the object type is C type; and selecting the object which has the distance less than A km from the lessee, the lease price lower than B element and is C type from all the objects passing the audit as the object meeting the lease application.

The implementation process of determining the object satisfying the lease application is only exemplary, and the embodiment is not limited thereto.

In the present embodiment, a second blockchain platform is provided, and referring to fig. 3, on the basis of blockchain platform 100, there are government agency nodes 125 in blockchain platform 200;

in some optional embodiments, for any subject matter to be audited, the subject matter to be audited may be audited by, but not limited to, the following means:

The online input information of the object to be audited is related information of the object uploaded by the corresponding provider node, such as an image, a video, and the like, and in order to reduce the occurrence of the situation that the provider node provides a false object, offline auditing needs to be performed based on the online input information.

Illustratively, the government agency node and the insurance agency node have authority to check online input information of a target object to be checked, and related personnel in the government agency node and the insurance agency node go to an offline address of the provider node to determine whether the field information and the online input information correspond to the same target object (in addition, related personnel in the block chain platform can also go to the offline address of the provider node to determine whether the field information and the online input information correspond to the same target object), if the field information and the online input information correspond to the same target object, the comparison is passed, and the block chain device passes the check of the target object to be checked.

The above auditing process of the subject matter to be audited is only an exemplary illustration, and this embodiment does not specifically limit this.

In the present embodiment, a third blockchain platform is provided, and referring to fig. 4, on the basis of any one of the above blockchain platforms, a credit investigation mechanism node 126 is further provided in the blockchain platform 300;

the embodiment of the present application provides a second financing leasing method, as shown in fig. 5, including the following steps:

step S501: in response to a lease application for a tenant node in the blockchain platform, determining a subject matter that satisfies the lease application.

Step S502: and after the lessee node selects a target object from the determined objects, linking the contracts between the transaction nodes and generating intelligent contracts corresponding to the contracts.

Step S503: and executing corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information based on the transaction execution result.

The specific implementation manner of steps S501 to S503 can refer to the above embodiments, and is not described herein again.

Step S504: and updating credit investigation information of the corresponding transaction node based on the transaction execution result through credit investigation institution nodes in the blockchain platform.

As described above, the nodes in the blockchain platform are nodes that pass the audit after the audit of credit investigation information and/or wind control information is performed, but after the transaction node joins the blockchain platform, the transaction may be executed successfully or unsuccessfully, which may affect the credit investigation of the transaction node. Therefore, the credit investigation information of the corresponding transaction node is updated in real time based on the transaction execution result, so that the credit investigation information can completely reflect the latest credit investigation condition of the corresponding transaction node, and after the transaction node is added into the block chain platform, whether the transaction node complies with the contract can be timely found out, and when the transaction node does not comply with the contract, the transaction node is timely removed.

For example, after meeting a transaction term of a financing institution node for paying to a provider node corresponding to a target object in an intelligent contract for an intelligent contract between the financing institution node and the provider node corresponding to the target object, the financing institution node fails in transaction due to insufficient balance or other conditions, cannot pay to the provider node corresponding to the target object from the financing institution node, and updates credit investigation information of the financing institution node; if the money cannot be paid from the financing organization node to the provider node corresponding to the target object for a long time, the financing organization node is removed from the block chain platform;

aiming at an intelligent contract between a financing institution node and a lessee node, after meeting a transaction term of repayment of the lessee node to the financing institution node in the intelligent contract, the lessee node fails in transaction due to insufficient balance or other conditions, and cannot make money from the lessee node to the financing institution node, and credit investigation information of the lessee node is updated; and if the money cannot be paid from the lessee node to the financing institution node for a long time, removing the lessee node from the block chain platform.

The credit investigation information updating processes are only exemplary, and in practical application, there are multiple contracts, which correspond to multiple intelligent contracts, so there are other credit investigation information updating processes, which are not illustrated one by one.

The embodiment of the present application provides a third method for financing lease, as shown in fig. 6, including the following steps:

step S601: in response to a lease application for a tenant node in the blockchain platform, determining a subject matter that satisfies the lease application.

The step S601 can refer to the above embodiments, and is not described herein again.

Step S602: and ordering the objects meeting the lease application based on the ordering rule selected by the tenant node or a default ordering rule.

As described above, in implementation, there are usually more target objects that satisfy the lease application of the tenant node, and the tenant node directly checks the target objects that satisfy the lease application, which requires a longer time to select the target object. Based on this, the subject matter meeting the lease application is sorted first, so that the lessee node can conveniently select the target subject matter.

For example, if the tenant node selects the ordering rule, the objects meeting the lease application are ordered according to the ordering rule selected by the tenant node, and if the ordering rule selected by the tenant node is ordered according to the distance, the objects meeting the lease application are ordered according to the distance from the near to the far from the tenant node;

and if the lessee nodes do not select the sequencing rule, sequencing the objects meeting the lease application according to the default sequencing rule in the block chain platform, and if the default sequencing rule is sequencing according to the price, sequencing the objects meeting the lease application from low to high according to the price.

The above-mentioned manner of ordering the objects satisfying the lease application is only an exemplary illustration, and the embodiment does not specifically limit this.

Step S603: and after the lessee node selects a target object from the determined objects, linking the contracts between the transaction nodes and generating intelligent contracts corresponding to the contracts.

Step S604: and executing corresponding transaction after each transaction term in the intelligent contract is met, and linking the transaction information based on the transaction execution result.

The steps S603 to S604 can refer to the above embodiments, and are not described herein again.

In this embodiment, when the lease starts, the provider node needs to deliver the target subject matter to the tenant node; at the end of the lease, the tenant node needs to return the target subject matter to the provider node. In practice, the delivery and return can be realized by face to face or by logistics.

Correspondingly, the blockchain platform can be seen in fig. 7, and the logistics agency node 127 is also provided in the blockchain platform 400.

That is, when the provider node delivers the target object to the lessee node in a logistics manner, and/or the lessee node returns the target object to the provider node in a logistics manner, the transaction process further involves the logistics organization node, and correspondingly, the contract between the transaction nodes further includes:

logistics contracts between tenant nodes and logistics organization nodes; and/or a logistics contract between a provider node corresponding to the target subject matter and a logistics agency node;

and (4) insurance contracts between the logistics agency nodes and the insurance agency nodes.

In the above embodiment, the block chain device may also chain the logistics information to track the target object.

As noted above, in some alternative embodiments, the blockchain platform includes government agency nodes that have access to all of the uplinked information in order to supervise the entire financing lease process.

In some optional embodiments, the blockchain platform establishes a full-network identity authentication service, digitizes the identity of each node, encrypts the identity of each node by distributing encryption information to each node, maintains the privacy of each node, and only allows a designated organization or organization to access and share data.

Based on the same inventive concept, the present embodiment provides a financing leasing apparatus, referring to fig. 8, the financing leasing apparatus 800 includes:

a target object determination module 801, configured to determine, in response to a lease application of a tenant node in the blockchain platform, a target object that meets the lease application;

an intelligent contract generating module 802, configured to link the contracts between the transaction nodes and generate intelligent contracts corresponding to the contracts after the tenant node selects a target subject matter from the determined subject matters; the transaction nodes comprise the lessee nodes, the provider nodes corresponding to the target subject matter, financing institution nodes and insurance institution nodes;

the transaction execution module 803 is configured to execute the corresponding transaction after each transaction term in the intelligent contract is satisfied, and link the transaction information based on the transaction execution result.

In some optional embodiments, an updating module 804 is further included, configured to update credit investigation information of the corresponding transaction node based on the transaction execution result through the credit investigation institution node in the blockchain platform after the transaction execution module 803 executes the corresponding transaction.

In some optional embodiments, the subject matter determination module 801 is specifically configured to:

In some optional embodiments, the subject matter determination module 801, after determining the subject matter satisfying the lease application, is further configured to:

Since the apparatus is the apparatus in the method in the embodiment of the present application, and the principle of the apparatus for solving the problem is similar to that of the method, the implementation of the apparatus may refer to the implementation of the method, and repeated details are not repeated.

Based on the same technical concept, the embodiment of the present application further provides a block chain device 900, as shown in fig. 9, including at least one processor 901 and a memory 902 connected to the at least one processor, where a specific connection medium between the processor 901 and the memory 902 is not limited in this embodiment of the present application, and the processor 901 and the memory 902 are connected through a bus 903 in fig. 9 as an example. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 9, but this does not indicate only one bus or one type of bus.

The processor 901 is a control center of the blockchain device, and may connect various parts of the blockchain device through various interfaces and lines, so as to implement data processing by executing or executing instructions stored in the memory 902 and calling data stored in the memory 902. Optionally, the processor 901 may include one or more processing units, and the processor 901 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application program, and the like, and the modem processor mainly processes an issued instruction. It will be appreciated that the modem processor described above may not be integrated into the processor 901. In some embodiments, the processor 901 and the memory 902 may be implemented on the same chip, or in some embodiments, they may be implemented separately on separate chips.

The processor 901 may be a general-purpose processor, such as a Central Processing Unit (CPU), a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof, and may implement or perform the methods, steps, and logic blocks disclosed in the embodiments of the present Application. A general purpose processor may be a microprocessor or any conventional processor or the like. The steps of the disclosed method in connection with the financing leasing method embodiments may be embodied directly in a hardware processor, or in a combination of hardware and software modules within a processor.

Memory 902, which is a non-volatile computer-readable storage medium, may be used to store non-volatile software programs, non-volatile computer-executable programs, and modules. The Memory 902 may include at least one type of storage medium, and may include, for example, a flash Memory, a hard disk, a multimedia card, a card-type Memory, a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Programmable Read Only Memory (PROM), a Read Only Memory (ROM), a charge Erasable Programmable Read Only Memory (EEPROM), a magnetic Memory, a magnetic disk, an optical disk, and so on. The memory 902 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 902 of the embodiments of the present application may also be circuitry or any other device capable of performing a storage function for storing program instructions and/or data.

In the embodiment of the present application, the memory 902 stores a computer program, which, when executed by the processor 901, causes the processor 901 to perform:

In some optional embodiments, the processor 901 further performs:

In some optional embodiments, the processor 901 specifically executes:

In some optional embodiments, the processor 901 further performs:

Since the blockchain device is the blockchain device in the method in the embodiment of the present application, and the principle of solving the problem by the blockchain device is similar to that of the method, the implementation of the blockchain device may refer to the implementation of the method, and repeated details are not repeated.

Based on the same technical concept, the embodiment of the present application further provides a computer-readable storage medium storing a computer program executable by a computer, and when the program runs on the computer, the computer is caused to execute the steps of the financing leasing method.

In some alternative embodiments, various aspects of the financing lease method provided herein may also be embodied in the form of a program product containing computer-executable instructions for causing a computer device to perform the steps of the financing lease method according to various exemplary embodiments of the present application described above in this specification when the program product is run on the computer device.

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

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

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

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

While the preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all alterations and modifications as fall within the scope of the application.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A financing lease method is characterized in that the financing lease method is applied to block chain equipment in a block chain platform, and each node in the block chain platform is a node which passes the auditing based on corresponding credit investigation information and/or wind control information, and the method comprises the following steps:

2. The method of claim 1, wherein after performing the corresponding transaction, further comprising:

3. The method of claim 1, wherein determining an object that satisfies the lease application comprises:

4. The method according to claim 3, wherein for any object to be audited, the object to be audited is audited by:

5. The method of claim 1, wherein after determining that the subject matter of the lease application is satisfied, further comprising:

6. The method of claim 1, wherein the transaction node further comprises a logistics agency node if the target subject matter needs to be delivered to the tenant node from the corresponding provider node and/or returned to the corresponding provider node from the tenant node by a logistics means.

7. A financing lease device is characterized in that the financing lease device is applied to block chain equipment in a block chain platform, each node in the block chain platform is a node which passes the audit based on corresponding credit investigation information and/or wind control information, and the device comprises:

8. The apparatus of claim 7, further comprising an update module for updating credit investigation information of the corresponding transaction node based on the transaction execution result by a credit investigation agency node in the blockchain platform after the transaction execution module executes the corresponding transaction.

9. The apparatus of claim 7, wherein the subject determination module is specifically configured to:

10. The apparatus according to claim 9, wherein for any object to be audited, the object to be audited is audited by:

11. The apparatus of claim 7, wherein the subject matter determination module, after determining subject matter that satisfies the lease application, is further to:

12. The apparatus of claim 7, wherein the transaction node further comprises a logistics agency node if the target subject matter needs to be delivered to the tenant node from the corresponding provider node and/or returned to the corresponding provider node from the tenant node by a logistics means.

13. A blockchain device comprising at least one processor and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform the method of any of claims 1 to 6.

14. A computer-readable storage medium, characterized in that it stores a computer program executable by a computer, which program, when run on the computer, causes the computer to carry out the method according to any one of claims 1 to 6.

15. A computer program product comprising computer executable instructions for causing a computer to perform the method of any one of claims 1 to 6.