CN114971607A

CN114971607A - Method, apparatus, medium, and program product for issuing resources instead

Info

Publication number: CN114971607A
Application number: CN202210606374.2A
Authority: CN
Inventors: 王瑞; 陈剑; 董华唯
Original assignee: Shanghai Shengpay E Payment Service Co ltd
Current assignee: Shanghai Shengpay E Payment Service Co ltd
Priority date: 2022-05-31
Filing date: 2022-05-31
Publication date: 2022-08-30

Abstract

An object of the present application is to provide a method, apparatus, medium, and program product for brokering resources, the method comprising: responding to a newly added resource distribution plan request, sent by first user equipment, of a first user for a target service, generating a stored resource plan, and sending the stored resource plan to second user equipment; writing the deposit resource plan into a distributed book based on a block chain in response to a confirmation request of a second user for the deposit resource plan, which is sent by the second user equipment; and reading the deposit resource plan from the distributed account book, and adding a first resource which is sent to an intermediate resource account by the first user from the intermediate resource account to a second resource account of the second user according to the deposit resource plan. According to the method and the system, the generation resource control platform can solve the problem of resource safety, can ensure that the resource can arrive in time and can ensure the rights and interests of both parties to the greatest extent by means of resource hosting, resource behavior chaining and the like.

Description

Method, apparatus, medium, and program product for issuing resources instead

Technical Field

The present application relates to the field of communications, and in particular, to a technique for generating resources.

Background

The services of human salary release, freight transportation, supply chain and the like relate to the fund exchange of multiple parties at different time points. And the fund withdrawal party transfers the fund according to the contract after confirming that the business target is achieved or at a certain time point. After receiving the money, the payee continues to operate according to the contract until the next node or the end. Because the whole period is long, basically in a month unit, and in some cases even in a year unit, the two parties hope that the respective rights and interests are effectively guaranteed, and when the fund is raised and allocated, the fund amount is raised and becomes a pain point. Although there is contract constraint, the dispute processing period is long, and both parties are hard to bear.

Disclosure of Invention

It is an object of the present application to provide a method, apparatus, medium, and program product for brokering resources.

According to an aspect of the present application, there is provided a method for brokering resources, the method comprising:

responding to a newly added resource distribution plan request, sent by first user equipment, of a first user for a target service, generating a stored resource plan, and sending the stored resource plan to second user equipment;

writing the deposit resource plan into a distributed book based on a block chain in response to a confirmation request of a second user for the deposit resource plan, which is sent by the second user equipment;

and reading the deposit resource plan from the distributed account book, and adding a first resource which is sent to an intermediate resource account by the first user from the intermediate resource account to a second resource account of the second user according to the deposit resource plan.

According to an aspect of the present application, there is provided a network device for brokering resources, the device comprising:

the one-to-one module is used for responding to a newly increased resource distribution plan request, sent by first user equipment, of a first user for a target service, generating a stored resource plan and sending the stored resource plan to second user equipment;

a second module, configured to write the deposit resource plan into a distributed account book based on a block chain in response to a confirmation request, sent by the second user device, for the deposit resource plan by the second user;

and a third module, configured to read the deposit resource plan from the distributed ledger, and add, according to the deposit resource plan, the first resource that the first user has sent to the intermediate resource account from the intermediate resource account to the second resource account of the second user.

According to an aspect of the application, there is provided a computer apparatus for brokering resources, comprising a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to perform the operations of any of the methods described above.

According to an aspect of the application, there is provided a computer-readable storage medium, on which a computer program is stored, characterized in that the computer program, when executed by a processor, performs the operations of any of the methods as 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 method and the device have the advantages that a stored resource plan is generated in response to a newly-added resource distribution plan request, sent by first user equipment, of a first user for a target service, and the stored resource plan is sent to second user equipment; writing the deposit resource plan into a distributed book based on a block chain in response to a confirmation request of a second user for the deposit resource plan, which is sent by the second user equipment; and reading the stored resource plan from the distributed account book, and adding the first resource sent by the first user to the intermediate resource account from the intermediate resource account to the second resource account of the second user according to the stored resource plan, so that the generation resource control platform can solve the resource safety problem, ensure the timely arrival of the resource and guarantee the rights and interests of both parties to the maximum extent by means of resource hosting, resource behavior chaining and the like.

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 flow diagram of a method for brokering resources according to one embodiment of the present application;

FIG. 2 illustrates a flow chart of a method for making business entries according to one embodiment of the present application;

FIG. 3 illustrates a flow diagram of a method for a depositor to add a deposit plan according to one embodiment of the present application;

FIG. 4 illustrates a flow diagram of a method for depositor deposit in accordance with one embodiment of the present application;

FIG. 5 illustrates a network device architecture diagram for sourcing resources according to one embodiment of the present application;

FIG. 6 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 the present application includes, but is not limited to, a terminal, a network device, or a device formed by integrating a terminal and a network device through a network. The terminal 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 terminal, the network device, or a device formed by integrating the terminal 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 shows a flowchart of a method for brokering resources, the method comprising step S11, step S12, and step S13, according to one embodiment of the present application. In step S11, the generation resource control platform generates a storage resource plan in response to a new resource distribution plan request for a target service sent by the first user device by the first user, and sends the storage resource plan to the second user device; in step S12, the issuing-as-a-replacement resource control platform writes the deposit resource plan into a distributed ledger based on a block chain in response to a confirmation request, sent by the second user equipment, for the deposit resource plan by the second user; in step S13, the brokering resource control platform reads the deposit resource plan from the distributed ledger and adds a first resource that the first user has sent to an intermediate resource account from the intermediate resource account to a second resource account of the second user according to the deposit resource plan.

In step S11, the generation-resource control platform generates a storage resource plan in response to a new resource allocation plan request for the target service sent by the first user device and sent by the first user device, and sends the storage resource plan to the second user device. In some embodiments, the resource includes, but is not limited to, any form of physical or virtual object, for example, the resource may be funds, which are described herein by way of example, and those skilled in the art will appreciate that the funds are merely examples, and that other existing or future resources, such as may be suitable for use in the present application, are included within the scope of the present application and are hereby incorporated by reference. In some embodiments, a brokerage resource control platform (e.g., a brokerage funding control platform) mainly includes modules of merchant services, contract management, a brokerage resource platform (e.g., a brokerage fund platform), a distributed ledger based on block chains, and the like. In some embodiments, the generation resource control platform may be entirely deployed on one network device, or a plurality of modules in the generation resource control platform may be deployed on a plurality of different network devices, respectively. In some embodiments, the merchant services module is responsible for merchant management, such as login, authentication, and role management, such as a depositor, payee; the contract management module is responsible for the business member entering of the merchant, the paying party and the collecting party need to upload business contracts of the two parties to prove the validity of the business, and after the qualification is verified, the paying party, the collecting party and the issuing-generation resource control platform sign two contracts; the fund issuing platform is the core component of the whole system and is externally provided for the paying party and the collecting party to use; the Distributed ledger based on the block chain is mainly used for storing the income and income behaviors and the voucher of both capital parties, for example, the Distributed ledger may be a Fabric Distributed ledger, the Fabric Distributed ledger may be a hyper-hedger Fabric open source block chain Distributed ledger of linux foundation, the Distributed ledger (Distributed ledger) is a database shared, copied and synchronized among network members, the Distributed ledger records transactions among network participants, such as the exchange of assets or data, and the time and expense cost caused by the mediation of different ledgers are reduced by the shared ledger. In some embodiments, the first user is a lender, the second user is a payee, the first user device is a device used by the lender, the second user device is a device used by the lender, the lender may add a new resource distribution plan (e.g., a loan plan) for a target service between the lender and the second user (payee) in a merchant application on the first user device, taking the resource distribution plan as an example of the loan plan, the loan plan includes but is not limited to a loan time point, a loan amount (a support threshold), a loan verification manner (e.g., face verification, short message verification), etc., the first user device generates a corresponding new resource distribution plan request and transmits the new resource distribution plan request to the fund broker control platform, and the new fund broker platform in the fund broker control platform generates a corresponding to the new resource distribution plan request, the deposited resource plan includes, but is not limited to, at least one resource depositing time point corresponding to the depositor, at least a resource quantity that the depositor needs to deposit at each resource depositing time point, at least one resource dispensing time point corresponding to the payee, and a resource quantity that each resource dispensing time point dispenses to the payee, and sends an execution detail corresponding to the deposited resource plan to the second user device of the payee, for example, a link of the execution detail is sent to the payee by a short message, or the execution detail is directly sent to the payee in the merchant application.

In step S12, the proxy resource control platform writes the deposit resource plan into the distributed ledger based on the block chain in response to a confirmation request sent by the second user equipment for the deposit resource plan by the second user. In some embodiments, the payee may view the execution details directly in the merchant application, or the payee may jump to the merchant application to view the execution details by clicking a link in the short message. In some embodiments, if the payee confirms the execution details, the second user device may send a corresponding confirmation request to the funds control platform. In some embodiments, the payee may confirm the execution details only after verification by identification (e.g., face recognition). In some embodiments, the funding brokerage control platform, upon receiving the confirmation request, transitions the state of the deposit resource plan to validated and writes the deposit resource plan to the blockchain based distributed ledger.

In step S13, the brokering resource control platform reads the deposit resource plan from the distributed ledger and adds a first resource that the first user has sent to an intermediate resource account from the intermediate resource account to a second resource account of the second user according to the deposit resource plan. In some embodiments, the deposit resource plan is read from the distributed ledger by the fund-issuing control platform, and according to the deposit resource plan, at each resource issuing time point in the deposit resource plan, the first resource of the resource issuing amount corresponding to the resource issuing time point is added to the resource account of the payee from the intermediate resource account, wherein the resource in the intermediate resource account is sent from the account of the depositor to the intermediate resource account before the resource issuing time point, or the depositor directly charges the deposit into the intermediate resource account before the resource issuing time point. In some embodiments, at the resource issuance time point, the remaining resource amount in the intermediate resource account needs to be greater than or equal to the resource issuance amount corresponding to the resource issuance time point, and if not, the fund issuing control platform sends a corresponding deposit reminding message to the lender, for example, the deposit reminding message is sent to the lender by a short message, or the deposit reminding message is directly sent to the lender in the merchant application, so as to notify the lender to send or directly recharge and deposit the resource in the resource issuance amount corresponding to the resource issuance time point into the intermediate resource account. In some embodiments, at the resource issuance time point, if the remaining resource amount in the intermediate resource account is less than the resource issuance amount corresponding to the resource issuance time point, and the remaining resource amount in the depositor's account is greater than or equal to the current resource shortage amount of the intermediate resource account, the fund transfer control platform may automatically add the current resource shortage amount from the depositor's account to the intermediate resource account. In some embodiments, at each resource issuing time point in the deposit resource plan, the originating resource control platform automatically adds the first resource of the resource issuing amount corresponding to the resource issuing time point from the intermediate resource account to the resource account of the payee, or, at each resource issuing time point and after the time point, the originating resource control platform needs to respond to the resource issuing application request of the payee about the deposit resource plan, and then adds the first resource of the resource issuing amount corresponding to the resource issuing time point from the intermediate resource account to the resource account of the payee instead of automatically adding the first resource of the resource issuing amount corresponding to the resource issuing time point. In some embodiments, for each pair of payee and depositor, or for each transaction between each pair of payee and depositor, the funds-brokering control platform generates a unique third-party intermediate resource account that only supports the funds-brokering control platform to add resources from one of the parties 'accounts to the intermediate resource account, or one of the parties sends resources on its account to the intermediate resource account, or one of the parties deposits resources directly to the intermediate resource account, and the funds-brokering control platform adds resources from the intermediate resource account to one of the parties' resource accounts. In some embodiments, after the funding brokerage control platform adds the first resource that the lender has transferred to the intermediate resource account from the intermediate resource account to the resource account of the payee, the funding brokerage control platform also sends a corresponding funding success prompt to the second user device of the payee, e.g., sends the funding success prompt to the payee in a form of a short message, to prompt the payee to confirm the collection in the merchant application. According to the method and the system, the generation resource control platform can solve the problem of resource safety, can ensure that the resource can arrive in time and can furthest ensure the rights and interests of both parties through means of resource hosting, resource behavior cochain and the like.

In some embodiments, the method further comprises: and the proxy resource control platform responds to an account opening request sent by the first user equipment or the second user equipment, and opens a resource account for the first user or the second user. In some embodiments, the payee and the payer need to open a resource account in the generation fund control platform, and after both parties open the resource account, the payer may add a new resource issuing plan for a target service between the payee and the payer in the merchant application, where the resource account is used to store a resource of the corresponding user in the generation fund control platform, the user may store the resource (e.g., fund) in the resource account, and the user may also present the resource (e.g., fund) in the resource account.

In some embodiments, the provisioning an account for the first user or the second user in response to the account provisioning request sent by the first user device or the second user device includes: responding to an account opening request sent by the first user equipment or the second user equipment, and acquiring qualification information uploaded by the first user or the second user; and auditing the qualification information, and opening a resource account for the first user or the second user if the auditing is passed. In some embodiments, the payee and the depositor need to upload their respective merchant qualifications in the merchant application, and then the fund issuing control platform will audit the merchant qualifications of both parties, and only if the audit is passed, the resource account will be opened in the fund issuing control platform for the payee or the depositor, and the corresponding prompt information indicating that the opening of the account is successful is sent to the payee or the depositor.

In some embodiments, the method further comprises: the substitute sending resource control platform responds to an opening request, sent by the second user equipment, of a resource substitute sending product corresponding to the target service, generated by the second user, and sent to the first user equipment; and in response to a confirmation request, sent by the first user device, of the first user for the credit granting request, generating a first contract between the first user and the generation resource control platform, a second contract between the second user and the generation resource control platform, and a third contract between the first user and the second user, and writing the first contract, the second contract, and the third contract into the distributed ledger. In some embodiments, the payee needs to open a fund transfer product for a target service between the payee and the merchant application first, and the lender can add a new resource issuing plan for the target service only when the fund transfer product corresponding to the target service is opened, where the fund transfer product is an authorized deduction, that is, after the authorization of the lender is obtained, the transfer control platform can transfer funds in a resource account of the lender to an intermediate resource account and/or transfer funds in the intermediate resource account to a resource account of the payee. In some embodiments, the second user device, in response to the payee opening a fund-issuing product, sends a corresponding opening request to the fund-issuing control platform, and then the fund-issuing control platform generates a corresponding credit-granting request to send to the lender, for example, a link of the credit-granting request is sent to the lender by a short message, the lender can pull up the merchant application and jump to a credit-granting page corresponding to the credit-granting request by clicking the short message link, and then the lender needs to perform identity recognition (for example, face recognition, which is compared with a face image on an identity card uploaded by the lender when opening an account) on the credit-granting page, recognize that the credit can be confirmed by the lender after the confirmation is passed, the first user device sends a corresponding confirmation request to the fund-issuing control platform, and then the fund-issuing control platform generates a first contract, a second contract, and a third contract between the lender and the fund-issuing control platform based on the confirmation request, And at the moment, the resource issuing generation product corresponding to the target service is considered to be opened, the first contract, the second contract, the third contract and corresponding certificate information are written into the distributed account book, and then the credit success prompt information is sent to the payee, for example, the payee is prompted to successfully credit in a short message manner. In some embodiments, the fund generation control platform sends the first contract and the third contract to the depositor for confirmation, and also sends the second contract and the third contract to the payee for confirmation, and then after the depositor and the payee both confirm to pass, the resource generation product corresponding to the target service is regarded as opened, and at this time, the first contract, the second contract, the third contract and the corresponding certificate information are written into the distributed ledger. In some embodiments, after receiving the resource issuing-instead-of-fulfillment request, the fund issuing-instead control platform may first perform an audit on the merchant qualification of the payee and/or the merchant qualification of the depositor, and only after the audit is passed, may generate a corresponding credit granting request to send to the depositor.

In some embodiments, the generating, in response to an opening request of a resource broker product corresponding to the target service and sent by the second user equipment, a trust request to send to the first user equipment includes: responding to an opening request, sent by the second user equipment, of the second user for the resource generation product corresponding to the target service, verifying the target service according to a first service contract corresponding to the target service uploaded by the second user, and if the verification is passed, generating a credit granting request and sending the credit granting request to the first user equipment. In some embodiments, when the payee opens the fund issuing-for-delivery product, a service contract related to the target service between the payee and the depositor needs to be uploaded in the merchant application, after the fund issuing-for-delivery control platform receives the resource issuing-for-delivery request, the target service needs to be checked according to the service contract, and only when the check is passed, a corresponding credit granting request is generated and sent to the depositor, for example, whether signature information and stamping information in the service contract are real and valid is checked.

In some embodiments, the auditing the target service according to the first service contract corresponding to the target service uploaded by the second user includes: and auditing the target service according to a first service contract corresponding to the target service uploaded by the second user and a second service contract corresponding to the target service uploaded by the first user. In some embodiments, the lender also needs to upload a business contract between the lender and the payee about the target business in the merchant application, and then the funds-brokering control platform needs to check the target business according to the two business contracts, for example, to check whether the contract contents of the two business contracts are the same. For another example, the signature information and the seal information in the two service contracts are checked to see if they are consistent.

In some embodiments, the deposit resource plan includes at least one of:

1) time point of depositing resource

In some embodiments, the deposited resource Time points include at least one resource deposit Time point for the depositor and at least one resource release Time point for the payee, e.g., the depositor needs a first deposit before Time point Time1 and a second deposit before Time point Time2, respectively. For another example, the payee may receive a first payout at Time3 and a second payout at Time 4.

2) Quantity of resources stored

In some embodiments, depositing the amount of the resource includes depositing at least the amount of the resource that the depositor needs to deposit at each point in Time when the resource is deposited, depositing at least the amount of the resource to the payee at each point in Time when the resource is dispensed, e.g., depositing at least a first amount of funds before Time1 and depositing at least a second amount of funds before Time2, respectively. As another example, the payee may receive funds in at least a third amount at Time point Time3 and at least a fourth amount at Time point Time 4.

3) Resource distribution checking mode

In some embodiments, the payee needs to be checked before the deposit is placed on the payee, and the checking manner includes but is not limited to face checking, fingerprint checking, password checking, short message checking, and the like.

4) Materials required for resource distribution

In some embodiments, the payee is required to upload or fill in the specified materials according to the deposit resource plan before placing a payment to the payee.

5) Any combination of the above deposit resource plans

In some embodiments, the step S11 includes: the generation resource control platform responds to a newly increased resource distribution plan request, sent by first user equipment, of a first user for a target service, confirms the newly increased resource distribution plan request, generates a stored resource plan if the newly increased resource distribution plan request passes the confirmation, and sends the stored resource plan to second user equipment. In some embodiments, after receiving a new resource distribution plan request for a target service from a lender, the fund generation control platform may confirm format information or specific content information of the new resource distribution plan request, and regenerate a corresponding stored resource plan after confirming that the new resource distribution plan request is correct, for example, may confirm whether the format information of the new resource distribution plan request meets a predetermined format requirement, and for example, may also confirm whether the specific content information of the new resource distribution plan request matches a service contract of the target service. In some embodiments, the newly added resource distribution plan request may also be confirmed according to a service contract uploaded by the lender in the merchant application and/or a service contract uploaded by the payee in the merchant application, for example, whether the specific content information of the newly added resource distribution plan request matches the service contract, for example, whether the time point of the stored resource in the newly added resource distribution plan request is consistent with the contract time node of the service contract, and whether the total number of the stored resource in the newly added resource distribution plan request is consistent with the contract amount of the service contract. In some embodiments, the manner of confirming the new resource distribution plan request according to the service contract may also be to confirm whether the payee and the payee have signed a contract according to the service contract, and confirm whether the execution details in the new resource distribution plan request match the service contract, that is, confirm whether the execution details have contents that do not meet the service contract or exceed the content of the service contract.

In some embodiments, the confirming the request for the new resource issuance plan includes: and confirming the newly added resource issuing plan request according to the resource issuing generation product corresponding to the target service. In some embodiments, it is necessary to determine whether the resource issuing product corresponding to the target service is already opened, and if so, the new resource issuing plan request is regarded as a pass of the determination. In some embodiments, whether a first contract between the lender and the issuing resource control platform, a second contract between the payee and the issuing resource control platform, and a third contract between the payee and the lender exist or not are read from the distributed ledger, and if the contracts exist or are confirmed to pass by the lender or the payee, the new resource issuing plan request is regarded as passing through confirmation.

In some embodiments, the method further comprises: and the generation resource control platform responds to a resource storage request, which is sent by the first user equipment and is aimed at the resource storage plan, of the first user, adds a second resource to the intermediate resource account, and writes corresponding resource storage information into the distributed account book. In some embodiments, the lender needs to initiate a resource deposit request for the deposit resource plan before each resource issuance time point in the deposit resource plan, and the lender may specify a specific resource deposit amount in the resource deposit request, or the resource deposit amount is by default a difference between the remaining resource amount in the intermediate resource account and the resource amount corresponding to the first resource to be added from the intermediate resource account to the payee's resource account at the resource issuance time point. In some embodiments, in response to the resource storage request, the fund-replacement control platform adds the second resource corresponding to the resource storage amount to the intermediate resource account from the resource account of the lender in the corresponding merchant application, or directly adds the second resource corresponding to the resource storage amount to the intermediate resource account after the lender successfully supplements the fund in the merchant application. In some embodiments, the fund issuing control platform also writes relevant information (e.g., resource deposit time, resource deposit amount, etc.) of the resource deposit event and corresponding credential information into the distributed ledger.

In some embodiments, the method further comprises: and sending a resource storage prompt related to the resource storage plan to the first user equipment by the generation resource control platform. In some embodiments, it may be determined, according to each resource issuing time point in the deposited resource plan, whether the remaining resource amount in the intermediate resource account is sufficient at a predetermined time node before the resource issuing time point, and if not, a resource depositing reminder about the deposited resource plan may be sent to the depositor, where the resource depositing reminder includes, but is not limited to, the resource issuing time point, the resource issuing amount corresponding to the resource issuing time point, the current remaining resource amount of the intermediate resource account, and the minimum amount of resources to be deposited of the intermediate resource account about the resource issuing time point. In some embodiments, the method may further include querying whether the remaining amount of the resource in the intermediate resource account is sufficient in response to the received resource deposit request sent by the second user device and sent by the payee about the deposit resource plan, and if not, sending a resource deposit reminder about the deposit resource plan to the depositor. In some embodiments, the querying whether the remaining resource amount in the intermediate resource account is sufficient refers to querying whether the remaining resource amount in the intermediate resource account is greater than or equal to the resource issuance amount corresponding to the resource issuance time point (i.e., the resource amount corresponding to the first resource to be added from the escrow account to the resource account of the payee at the resource issuance time point).

In some embodiments, the sending a resource deposit reminder to the first user device regarding the deposit resource plan includes: and reading the stored resource plan from the distributed account book, and sending a resource storage prompt about the stored resource plan to the first user equipment according to the stored resource plan. In some embodiments, it may be that according to each resource release time point in the deposited resource plan, a predetermined time node (e.g., one week ago) before the resource release time point queries whether the amount of the remaining resources in the intermediate resource account is sufficient, and if not, a resource deposit reminder about the deposited resource plan is sent to the depositor to notify the depositor to deposit the resources in time. Or, starting from the preset time node, periodically inquiring whether the quantity of the residual resources in the intermediate resource account is enough or not through a timing task, and if not, sending a resource storage prompt related to the storage resource plan to the depositor.

In some embodiments, the sending a resource deposit reminder to the first user device regarding the deposit resource plan includes: and responding to a resource storage application request of the second user about the storage resource plan, which is sent by the second user equipment, and sending a resource storage prompt about the storage resource plan to the first user equipment. In some embodiments, the payee may initiate a resource storage application request related to the stored resource plan in the merchant application before each resource issuing time point in the stored resource plan, the fund issuing control platform, after receiving the resource storage application request, queries whether the amount of the remaining resources in the intermediate resource account is sufficient, if so, directly generates corresponding prompt information to prompt the payee that the current remaining resources in the intermediate resource account are sufficient for next resource issuing, and if not, sends a resource storage prompt related to the stored resource plan to the depositor.

In some embodiments, the method further comprises: and the issuing-substituting resource control platform writes the corresponding resource issuing information into the distributed account book. In some embodiments, after the first resource sent by the lender to the escrow account is added from the intermediate resource account to the resource account of the payee, the relevant information (e.g., resource release time, resource release amount, etc.) of the resource release event and the corresponding credential information are also written into the distributed ledger.

In some embodiments, the adding a first resource that the first user has sent into an intermediate resource account from the intermediate resource account to a second resource account of the second user comprises: generating a resource distribution notice corresponding to the stored resource plan and sending the resource distribution notice to the first user equipment; in response to the confirmation information of the first user about the resource issuance notification sent by the first user device, adding the first resource sent by the first user to the intermediate resource account to the second resource account of the second user from the intermediate resource account. In some embodiments, the funds-brokering platform generates a corresponding resource issuance notification to the lender, e.g., by sending the resource issuance notification to the lender in a form of a short message, before adding the first resource that the lender has sent to the intermediate resource account to the resource account of the payee from the intermediate resource account, the lender is notified to pay, the lender can open the merchant application by clicking a link in the short message and jump to a corresponding payment page to confirm the resource issuance notification, e.g., the lender needs to perform identification (e.g., face identification) after filling in a payment password, and can confirm the resource issuance notification after the identification is passed, the first user device sends corresponding confirmation information to the funds-brokering platform, and the funds-brokering platform receives the confirmation information, the first resource that the lender has sent to the intermediate resource account is added from the intermediate resource account to the payee's resource account.

In some embodiments, the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment includes: and responding to a resource distribution application request of the second user about the stored resource plan, which is sent by the second user equipment, generating a resource distribution notice corresponding to the stored resource plan, and sending the resource distribution notice to the first user equipment. In some embodiments, the payee needs to actively apply for the release of the resource, the payee needs to initiate a resource release application request related to the deposited resource plan in the merchant application after each resource release time point in the deposited resource plan, the second user device sends the resource release application request to the generation-sending fund control platform, and the generation-sending fund control platform generates a corresponding resource release notification and sends the notification to the depositor after receiving the generation-sending fund control platform.

In some embodiments, the generating, in response to the resource issuance application request, which is sent by the second user device and is related to the deposit resource plan, a resource issuance notification corresponding to the deposit resource plan, and sending the resource issuance notification to the first user device includes: and responding to a resource issuing application request of the second user about the stored resource plan, which is sent by the second user equipment, verifying the second user, and if the verification is passed, generating a resource issuing notification corresponding to the stored resource plan and sending the resource issuing notification to the first user equipment. In some embodiments, when the payee actively initiates a resource issuance application request regarding the deposited resource plan in the merchant application, the payee may be first verified, for example, identity information of the payee is verified, for example, a face recognition verification is performed on the payee according to a face image on an identity card uploaded when the payee opens an account, and after the verification is passed, a resource issuance notification corresponding to the deposited resource plan may be generated and sent to the depositor.

In some embodiments, said authenticating the second user comprises at least one of:

1) verifying the second user according to the resource distribution verification mode in the stored resource plan

In some embodiments, the payee needs to be verified according to a resource distribution verification manner in the resource storage plan specified by the depositor, wherein the verification manner includes but is not limited to face verification, fingerprint verification, password verification, short message verification, and the like.

2) Verifying at least one material uploaded by the second user according to the materials required for resource release in the stored resource plan

In some embodiments, the payee uploads or fills in the specified materials in the merchant application requires verification based on the release of the materials required by the resource in the depositor's specified deposit resource plan.

In some embodiments, the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment includes: and generating a resource distribution notice corresponding to the storage resource plan at each resource distribution time point in the storage resource plan, and sending the resource distribution notice to the first user equipment. In some embodiments, the funds-brokering platform automatically generates and sends a resource release notification for the deposited resource plan to the depositor for confirmation at each resource release time point in the deposited resource plan, wherein the resource release notification includes, but is not limited to, the resource release time point, the resource release amount corresponding to the resource release time point, the name of the payee company, the name of the target business, and the like. In some embodiments, the fund-issuing control platform first checks, at each resource issuing time point in the deposited resource plan, whether the remaining amount of resources in the intermediate resource account is greater than or equal to the resource issuing amount corresponding to the resource issuing time point, and if so, automatically generating a resource distribution notice about the stored resource plan and sending the notice to the depositor for confirmation, otherwise, sending a corresponding resource distribution failure reminding message to the depositor by the fund sending control platform, to inform the lender that the execution of the resource issuing event fails due to the insufficient amount of the residual resource in the intermediate resource account, or, the resource distribution failure reminding message also comprises the least quantity of the resources to be stored corresponding to the current resource distribution event, and reminding the paying party of sending the resource with the minimum quantity of the resource to be stored to the intermediate resource account or directly recharging and storing the resource into the intermediate resource account.

Fig. 2 illustrates a flow chart of a method for making business entries according to one embodiment of the present application.

As shown in fig. 2, the payee and the depositor upload their own qualifications in the merchant app, the merchant service in the deposit control platform opens an account for the payee and the depositor, the payee can open a fund product in the merchant app for a target service between the payee and the depositor, the merchant app applies for opening the fund product to the contract service in the deposit control platform, the contract service can audit the qualifications of both parties, a credit request is generated after the audit is passed, and the authorization request is issued to the depositor, the depositor can confirm the authorization request after face recognition in the merchant app, the contract service can generate two-by-two contracts among the payee, the depositor, and the deposit control platform, and push the contract and the corresponding voucher to the Fabric distributed ledger, and issue the corresponding credit short message to the payee.

FIG. 3 is a flow chart of a method for a depositor to add a deposit plan according to one embodiment of the present application.

As shown in fig. 3, a lender adds a loan plan in a merchant app for a target business between the lender and the lender, a fund generation and issuance platform in the fund generation and issuance control platform confirms a fund product corresponding to the target business to a contract service, generates a loan plan after the confirmation is passed, generates a loan plan execution detail, and sends the deposit plan execution detail to a payee for confirmation, the payee can confirm the loan plan after face recognition in the merchant app passes, the fund generation and issuance platform transitions the state of the loan plan to be in effect, then pushes the loan plan and a corresponding certificate to a Fabric distributed account book, and notifies the lender of a short message.

FIG. 4 shows a flow diagram of a method for depositor deposit in accordance with one embodiment of the present application.

As shown in fig. 4, the fund generation platform in the fund generation control platform queries the task to be deposited through the timing task, deposits through the depositor, the depositor can recharge in the merchant app to complete payment, the fund generation platform allocates the deposit to the depositor, pushes the corresponding deposit certificate to the Fabric distributed account book, and notifies the payee of the deposit certificate through a short message.

Fig. 5 shows a block diagram of a network device for sourcing resources according to an embodiment of the present application, the device comprising a one-module 11, a two-module 12 and a three-module 13. A module 11, configured to generate a storage resource plan in response to a new resource distribution plan request, sent by a first user device, for a target service by a first user, and send the storage resource plan to a second user device; a second module 12, configured to, in response to a confirmation request, sent by the second user equipment, for the deposit resource plan, write the deposit resource plan into a distributed ledger based on a block chain; a third module 13, configured to read the deposit resource plan from the distributed ledger, and add the first resource that is sent from the first user to the intermediate resource account from the intermediate resource account to the second resource account of the second user according to the deposit resource plan.

The one-to-one module 11 is configured to generate a storage resource plan in response to a new resource distribution plan request, sent by the first user device, for the target service of the first user, and send the storage resource plan to the second user device. In some embodiments, the resource includes, but is not limited to, any form of physical or virtual object, for example, the resource may be a fund, which is described herein by way of example, and those skilled in the art will appreciate that the fund is merely an example, and other existing or future resources, such as may be suitable for use in the present application, are also included within the scope of the present application and are herein incorporated by reference. In some embodiments, a brokerage resource control platform (e.g., a brokerage funding control platform) mainly includes modules of merchant services, contract management, a brokerage resource platform (e.g., a brokerage fund platform), a distributed ledger based on block chains, and the like. In some embodiments, the generation resource control platform may be entirely deployed on one network device, or a plurality of modules in the generation resource control platform may be deployed on a plurality of different network devices, respectively. In some embodiments, the merchant services module is responsible for merchant management, such as login, authentication, and role management, such as a depositor, payee; the contract management module is responsible for the business member entering of the merchant, the paying party and the collecting party need to upload business contracts of the two parties to prove the validity of the business, and after the qualification is verified, the paying party, the collecting party and the issuing-generation resource control platform sign two contracts; the fund issuing platform is the core component of the whole system and is externally provided for the paying party and the receiving party to use; the Distributed ledger based on the block chain is mainly used for storing the income and income behaviors and the vouchers of both capital parties, for example, the Distributed ledger can be a Fabric Distributed ledger, the Fabric Distributed ledger can be a hyper-hedger Fabric open source block chain Distributed ledger of a linux foundation, the Distributed ledger (Distributed ledger) is a database shared, copied and synchronized among network members, the Distributed ledger records the transactions among network participants, such as the exchange of assets or data, and the time and expense cost caused by the mediation of different ledgers are reduced by the shared ledger. In some embodiments, the first user is a lender, the second user is a payee, the first user device is a device used by the lender, the second user device is a device used by the lender, the lender may add a new resource distribution plan (e.g., a loan plan) for a target service between the lender and the second user (payee) in a merchant application on the first user device, taking the resource distribution plan as an example of the loan plan, the loan plan includes but is not limited to a loan time point, a loan amount (a support threshold), a loan verification manner (e.g., face verification, short message verification), etc., the first user device generates a corresponding new resource distribution plan request and transmits the new resource distribution plan request to the fund broker control platform, and the new fund broker platform in the fund broker control platform generates a corresponding to the new resource distribution plan request, the deposited resource plan includes, but is not limited to, at least one resource depositing time point corresponding to the depositor and at least the amount of resources that the depositor needs to deposit at each resource depositing time point, at least one resource dispensing time point corresponding to the payee and the amount of resources dispensed to the payee at each resource dispensing time point, and sends the execution detail corresponding to the deposited resource plan to the second user device of the payee, for example, sending the link of the execution detail to the payee by means of a short message, or directly sending the execution detail to the payee in a merchant application.

A second module 12, configured to, in response to a confirmation request sent by the second user device for the deposit resource plan, write the deposit resource plan into a distributed ledger based on a block chain. In some embodiments, the payee may view the execution details directly in the merchant application, or the payee may jump to the merchant application to view the execution details by clicking a link in the short message. In some embodiments, if the recipient confirms the execution details, the second user device may send a corresponding confirmation request to the funding control platform. In some embodiments, the payee may confirm the execution details only after verification by identification (e.g., face recognition). In some embodiments, the funding brokerage control platform, upon receiving the confirmation request, transitions the state of the deposit resource plan to validated and writes the deposit resource plan to the blockchain based distributed ledger.

A third module 13, configured to read the deposit resource plan from the distributed ledger, and add the first resource that is sent from the first user to the intermediate resource account from the intermediate resource account to the second resource account of the second user according to the deposit resource plan. In some embodiments, the deposit resource plan is read from the distributed ledger by the fund-issuing control platform, and according to the deposit resource plan, at each resource issuing time point in the deposit resource plan, the first resource of the resource issuing amount corresponding to the resource issuing time point is added to the resource account of the payee from the intermediate resource account, wherein the resource in the intermediate resource account is sent from the account of the depositor to the intermediate resource account before the resource issuing time point, or the depositor directly charges the deposit into the intermediate resource account before the resource issuing time point. In some embodiments, at the resource issuance time point, the remaining resource amount in the intermediate resource account needs to be greater than or equal to the resource issuance amount corresponding to the resource issuance time point, and if not, the fund issuing control platform sends a corresponding deposit reminding message to the lender, for example, the deposit reminding message is sent to the lender by a short message, or the deposit reminding message is directly sent to the lender in the merchant application, so as to notify the lender to send or directly recharge and deposit the resource in the resource issuance amount corresponding to the resource issuance time point into the intermediate resource account. In some embodiments, at the resource issuance time point, if the remaining resource amount in the intermediate resource account is less than the resource issuance amount corresponding to the resource issuance time point, and the remaining resource amount in the depositor's account is greater than or equal to the current resource shortage amount of the intermediate resource account, the fund transfer control platform may automatically add the current resource shortage amount from the depositor's account to the intermediate resource account. In some embodiments, at each resource issuing time point in the deposit resource plan, the originating resource control platform automatically adds the first resource of the resource issuing amount corresponding to the resource issuing time point from the intermediate resource account to the resource account of the payee, or, at each resource issuing time point and after the time point, the originating resource control platform needs to respond to the resource issuing application request of the payee about the deposit resource plan, and then adds the first resource of the resource issuing amount corresponding to the resource issuing time point from the intermediate resource account to the resource account of the payee instead of automatically adding the first resource of the resource issuing amount corresponding to the resource issuing time point. In some embodiments, for each pair of payee and depositor, or for each transaction between each pair of payee and depositor, the funds-brokering control platform generates a unique third-party intermediate resource account that only supports the funds-brokering control platform to add resources from one of the parties 'accounts to the intermediate resource account, or one of the parties sends resources on its account to the intermediate resource account, or one of the parties deposits resources directly to the intermediate resource account, and the funds-brokering control platform adds resources from the intermediate resource account to one of the parties' resource accounts. In some embodiments, after the funding brokerage control platform adds the first resource that the lender has transferred to the intermediate resource account from the intermediate resource account to the resource account of the payee, the funding brokerage control platform also sends a corresponding funding success prompt to the second user device of the payee, e.g., sends the funding success prompt to the payee in a form of a short message, to prompt the payee to confirm the collection in the merchant application. According to the method and the system, the generation resource control platform can solve the problem of resource safety, can ensure that the resource can arrive in time and can ensure the rights and interests of both parties to the greatest extent by means of resource hosting, resource behavior chaining and the like.

In some embodiments, the apparatus is further configured to: and opening a resource account for the first user or the second user in response to an account opening request sent by the first user equipment or the second user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the provisioning an account for the first user or the second user in response to the account provisioning request sent by the first user device or the second user device includes: responding to an account opening request sent by the first user equipment or the second user equipment, and acquiring qualification information uploaded by the first user or the second user; and auditing the qualification information, and opening a resource account for the first user or the second user if the auditing is passed. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the apparatus is further configured to: responding to an opening request of a resource sending product corresponding to the target service sent by the second user equipment and sent by the second user, generating a credit granting request and sending the credit granting request to the first user equipment; and in response to a confirmation request, sent by the first user equipment, of the first user for the credit granting request, generating a first contract between the first user and the proxy resource control platform, a second contract between the second user and the proxy resource control platform, and a third contract between the first user and the second user, and writing the first contract, the second contract, and the third contract into the distributed ledger. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the generating, in response to an opening request of a resource broker product corresponding to the target service and sent by the second user equipment, a trust request to send to the first user equipment includes: and in response to an opening request, sent by the second user equipment, of the second user for sending a product for the resource generation corresponding to the target service, verifying the target service according to a first service contract corresponding to the target service uploaded by the second user, and if the verification is passed, generating a credit granting request and sending the credit granting request to the first user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the auditing the target service according to the first service contract corresponding to the target service uploaded by the second user includes: and auditing the target service according to a first service contract corresponding to the target service uploaded by the second user and a second service contract corresponding to the target service uploaded by the first user. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the deposit resource plan includes at least one of:

1) time point of depositing resource

2) Quantity of resources stored

3) Resource distribution checking mode

4) Materials required for resource distribution

5) Any combination of the above deposit resource plans

The related deposit resource plan is the same as or similar to the embodiment shown in FIG. 1, and therefore is not described herein again, and is hereby incorporated by reference

In some embodiments, the module 11 is configured to: and responding to a newly increased resource distribution plan request, which is sent by the first user equipment and is aimed at the target service, of the first user, confirming the newly increased resource distribution plan request, generating a stored resource plan if the newly increased resource distribution plan request passes the confirmation, and sending the stored resource plan to the second user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the confirming the request for the new resource issuance plan includes: and confirming the newly added resource issuing plan request according to the resource issuing generation product corresponding to the target service. In some embodiments, it is necessary to determine whether the resource issuing product corresponding to the target service is already opened, and if so, the new resource issuing plan request is regarded as a pass of the determination. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the apparatus is further configured to: and in response to a resource storage request, sent by the first user equipment, of the first user for the storage resource plan, adding a second resource to the intermediate resource account, and writing corresponding resource storage information into the distributed account book. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the apparatus is further configured to: sending a resource deposit reminder to the first user equipment regarding the deposit resource plan. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the sending a resource deposit reminder to the first user device regarding the deposit resource plan includes: and reading the stored resource plan from the distributed account book, and sending a resource storage prompt about the stored resource plan to the first user equipment according to the stored resource plan. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the sending a resource deposit reminder to the first user device regarding the deposit resource plan includes: and responding to a resource storage application request of the second user about the storage resource plan, which is sent by the second user equipment, and sending a resource storage prompt about the storage resource plan to the first user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the apparatus is further configured to: and writing the corresponding resource issuing information into the distributed account book. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the adding a first resource that the first user has sent into an intermediate resource account from the intermediate resource account to a second resource account of the second user comprises: generating a resource distribution notification corresponding to the stored resource plan and sending the resource distribution notification to the first user equipment; in response to the confirmation information of the first user about the resource issuance notification sent by the first user device, adding the first resource sent by the first user to the intermediate resource account to the second resource account of the second user from the intermediate resource account. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment includes: and responding to a resource issuing application request of the second user about the stored resource plan, which is sent by the second user equipment, generating a resource issuing notification corresponding to the stored resource plan, and sending the resource issuing notification to the first user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

In some embodiments, the generating, in response to the resource issuance application request, which is sent by the second user device and is related to the deposit resource plan, a resource issuance notification corresponding to the deposit resource plan, and sending the resource issuance notification to the first user device includes: and responding to a resource issuing application request of the second user about the stored resource plan, which is sent by the second user equipment, verifying the second user, and if the verification is passed, generating a resource issuing notification corresponding to the stored resource plan and sending the resource issuing notification to the first user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

2) Verifying at least one material uploaded by the second user according to the material required for resource release in the deposit resource plan

Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described again, and are included herein by reference.

In some embodiments, the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment includes: and generating a resource distribution notice corresponding to the storage resource plan at each resource distribution time point in the storage resource plan, and sending the resource distribution notice to the first user equipment. Here, the related operations are the same as or similar to those of the embodiment shown in fig. 1, and therefore are not described again, and are included herein by reference.

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.

FIG. 6 illustrates an exemplary system that can be used to implement the various embodiments described herein;

in some embodiments, as shown in FIG. 6, 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 controllers 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.

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

1. A method for issuing resources is applied to an issuing resource control platform, wherein the method comprises the following steps:

2. The method of claim 1, wherein the method further comprises:

and opening a resource account for the first user or the second user in response to an account opening request sent by the first user equipment or the second user equipment.

3. The method of claim 2, wherein provisioning a resource account for the first user or the second user in response to an account provisioning request sent by the first user device or the second user device comprises:

responding to an account opening request sent by the first user equipment or the second user equipment, and acquiring qualification information uploaded by the first user or the second user;

and auditing the qualification information, and if the auditing is passed, opening a resource account for the first user or the second user.

4. The method according to claim 1 or 2, wherein the method further comprises:

responding to an opening request of a resource sending product corresponding to the target service sent by the second user equipment and sent by the second user, generating a credit granting request and sending the credit granting request to the first user equipment;

and responding to a confirmation request, sent by the first user equipment, of the first user for the credit granting request, generating a first contract between the first user and the resource issuing generation control platform, a second contract between the second user and the resource issuing generation control platform, and a third contract between the first user and the second user, opening the resource issuing generation product, and writing the first contract, the second contract, and the third contract into the distributed ledger.

5. The method according to claim 4, wherein the generating a trust request to send to the first user equipment in response to an opening request, sent by the second user equipment, of a resource broker product corresponding to the target service by the second user comprises:

and in response to an opening request, sent by the second user equipment, of the second user for sending a product for the resource generation corresponding to the target service, verifying the target service according to a first service contract corresponding to the target service uploaded by the second user, and if the verification is passed, generating a credit granting request and sending the credit granting request to the first user equipment.

6. The method according to claim 5, wherein the auditing the target service according to the first service contract corresponding to the target service uploaded by the second user includes:

and auditing the target service according to a first service contract corresponding to the target service uploaded by the second user and a second service contract corresponding to the target service uploaded by the first user.

7. The method of claim 1, wherein the deposit resource plan comprises at least one of:

storing the resource time points;

storing the quantity of resources;

a resource distribution checking mode;

the resource dispenses the required material.

8. The method of claim 1, wherein the generating a deposit resource plan in response to a new resource release plan request for a target service sent by a first user equipment by the first user, and sending the deposit resource plan to a second user equipment comprises:

and responding to a newly increased resource distribution plan request, which is sent by the first user equipment and is aimed at the target service, of the first user, confirming the newly increased resource distribution plan request, generating a stored resource plan if the newly increased resource distribution plan request passes the confirmation, and sending the stored resource plan to the second user equipment.

9. The method of claim 8, wherein the confirming the request for the new resource delivery plan comprises:

and confirming the newly added resource issuing plan request according to the resource issuing generation product corresponding to the target service.

10. The method of claim 1, wherein the method further comprises:

and in response to a resource storage request, sent by the first user equipment, of the first user for the storage resource plan, adding a second resource to the intermediate resource account, and writing corresponding resource storage information into the distributed account book.

11. The method of claim 10, wherein the method further comprises:

sending a resource deposit reminder to the first user equipment regarding the deposit resource plan.

12. The method of claim 11, wherein the sending, to the first user device, a resource deposit reminder for the deposit resource plan comprises:

t1 reads the deposit resource plan from the distributed ledger, and sends a resource deposit reminder about the deposit resource plan to the first user equipment according to the deposit resource plan.

13. The method of claim 11, wherein the sending, to the first user device, a resource deposit reminder for the deposit resource plan comprises:

and responding to a resource storage application request of the second user about the storage resource plan, which is sent by the second user equipment, and sending a resource storage prompt about the storage resource plan to the first user equipment.

14. The method of claim 1, wherein the method further comprises:

and writing the corresponding resource issuing information into the distributed account book.

15. The method of claim 14, wherein the adding a first resource that the first user has sent into an intermediate resource account from the intermediate resource account to a second resource account of the second user comprises:

generating a resource distribution notice corresponding to the stored resource plan and sending the resource distribution notice to the first user equipment;

in response to the confirmation information of the first user about the resource issuance notification sent by the first user device, adding the first resource sent by the first user to the intermediate resource account to the second resource account of the second user from the intermediate resource account.

16. The method of claim 15, wherein the generating a resource release notification corresponding to the deposit resource plan to send to the first user equipment comprises:

and responding to a resource issuing application request of the second user about the stored resource plan, which is sent by the second user equipment, generating a resource issuing notification corresponding to the stored resource plan, and sending the resource issuing notification to the first user equipment.

17. The method of claim 16, wherein the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment in response to the resource release application request of the second user about the deposit resource plan, which is sent by the second user equipment, comprises:

and responding to a resource issuing application request of the second user about the stored resource plan, which is sent by the second user equipment, verifying the second user, and if the verification is passed, generating a resource issuing notification corresponding to the stored resource plan and sending the resource issuing notification to the first user equipment.

18. The method of claim 17, wherein the authenticating the second user comprises at least one of:

verifying the second user according to the resource distribution verification mode in the stored resource plan;

and verifying at least one material uploaded by the second user according to the material required for resource release in the stored resource plan.

19. The method of claim 15, wherein the generating a resource release notification corresponding to the deposit resource plan and sending the resource release notification to the first user equipment comprises:

and generating a resource distribution notice corresponding to the storage resource plan at each resource distribution time point in the storage resource plan, and sending the resource distribution notice to the first user equipment.

20. A computer device for brokering 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 according to any one of claims 1 to 19.

21. A computer-readable storage medium, on which a computer program/instructions are stored, which, when being executed by a processor, carry out the steps of the method according to any one of claims 1 to 19.

22. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method according to any one of claims 1 to 19 when executed by a processor.