Resource configuration interest processing method and apparatus, electronic device, and storage medium

Abstract

This invention provides a method for processing interest on resource allocation, comprising: receiving a resource allocation request from a target user, wherein the resource allocation request includes the target user's resource allocation quota information; obtaining collateralizable resource information matching the target user from the target user's nodes; determining, through institutional nodes matching the target user, the collateralization rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; and determining, through corresponding resource allocation nodes, the resource allocation interest rate matching the collateralizable resources based on the collateralization rate parameters and interest rate parameters corresponding to different types of collateralizable resources. This invention also provides a processing device, an electronic device, and a storage medium. This invention enables differentiated processing of different types of collateralizable resources in the collateralizable resource information.

Description

Technical Field

[0001] This invention relates to resource allocation interest processing technology, and more particularly to resource allocation interest processing methods, apparatus, electronic devices, and storage media. Background Technology

[0002] Securities are a collective term for various certificates of economic rights, serving as written proof that the holder is entitled to the rights stated on the certificate. Based on their nature, securities are categorized into evidentiary securities, certificate securities, negotiable securities, etc. Some securities are traded on the market. The existence of securities invigorates finance, the economy, and investment. Securities generally include stocks, bonds, funds, warrants, etc.

[0003] When users participate in financial activities (such as actual financial activities like securities investment or virtual financial activities like simulated stock trading games), they need to allocate resources according to the corresponding collateral. However, the relevant technology only supports charging the same interest rate for collateral with different risk levels, which increases the risk of resource allocation and is not conducive to users obtaining a high amount of resource allocation matching high-quality collateral resources, thus affecting the user experience. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a resource allocation interest processing method, apparatus, electronic device, and storage medium, which can realize differentiated processing of different types of collateralizable resources in collateralizable resource information.

[0005] The technical solution of this invention is implemented as follows:

[0006] This invention provides a method for processing resource allocation interest, the method comprising:

[0007] Receive a resource configuration request from a target user, wherein the resource configuration request includes the target user's resource configuration quota information;

[0008] In response to the resource configuration request, obtain collateralizable resource information matching the target user from the target user's node;

[0009] By using institutional nodes that match the target user, the mortgage rate parameters corresponding to different types of collateral resources in the collateral resource information are determined.

[0010] Determine the interest rate parameters corresponding to the different types of collateralizable resources in the collateralizable resource information;

[0011] By using the corresponding resource allocation nodes, the resource allocation interest rate that matches the collateralized resources is determined based on the collateral rate parameters and interest rate parameters corresponding to the different types of collateralized resources, so as to achieve differentiated processing of different types of collateralized resources in the collateralized resource information.

[0012] This invention also provides a resource allocation interest processing device, the device comprising:

[0013] The information transmission module is used to receive a resource configuration request from a target user, wherein the resource configuration request includes the target user's resource configuration quota information;

[0014] The information processing module is used to respond to the resource configuration request by obtaining collateralizable resource information matching the target user from the target user's node;

[0015] The information processing module is used to determine the mortgage rate parameters corresponding to different types of collateral resources in the collateral resource information by using an institutional node that matches the target user.

[0016] The information processing module is used to determine the interest rate parameters corresponding to different types of collateral resources in the collateral resource information;

[0017] The information processing module is used to determine the resource allocation interest that matches the collateralized resources based on the collateral rate parameters and interest rate parameters corresponding to the different types of collateralized resources through the corresponding resource allocation nodes, so as to realize differentiated processing of different types of collateralized resources in the collateralized resource information.

[0018] In the above scheme, the information processing module is used to obtain resource information from at least one account belonging to the target user based on the location information of the collateralized resources in the resource configuration request;

[0019] The information processing module is used to verify the resource information of at least one account belonging to the target user with the institution node;

[0020] The information processing module is used to determine, when the node institution passes the verification, the resource information in at least one account belonging to the target user is collateralizable resource information that matches the target user.

[0021] In the above scheme,

[0022] The information processing module is used to query the market value of different types of collateralizable resource information in the collateralizable resource information to the institutional node respectively, and obtain the market value corresponding to the different types of collateralizable resource information respectively;

[0023] The information processing module is used to determine the collateral ratio corresponding to the different types of collateralizable resource information based on the market value of the different types of collateralizable resource information and the financing amount corresponding to the resource allocation request.

[0024] In the above scheme,

[0025] The information processing module is used to send a query request to the resource configuration node corresponding to the resource configuration request based on the different types of collateralizable resources in the collateralizable resource information.

[0026] The information processing module is used to obtain the interest rate parameters and corresponding associated information sent by the resource configuration node, wherein the associated information includes repayment method information, repayment time information and liquidation threshold information that match the interest rate parameters.

[0027] In the above scheme,

[0028] The information processing module is used to determine the single resource allocation interest corresponding to the single collateral resource based on the mortgage rate parameter and interest rate parameter corresponding to the single collateral resource among the different types of collateral resources.

[0029] The information processing module is used to determine the single resource allocation interest corresponding to different types of collateral resources in the collateral resource information based on the resource allocation quota information and the single resource allocation interest.

[0030] The information processing module is used to sum the single resource allocation interest corresponding to the different types of collateralizable resources to determine the resource allocation interest that matches the collateralizable resources.

[0031] In the above scheme,

[0032] The information processing module is used to determine the billing information that matches the target user based on the repayment method information, repayment time information, and resource allocation interest that matches the collateralized resources, which are matched with the interest rate parameters.

[0033] The information processing module is used to push relevant billing information to the target user through the communication method reserved by the target user.

[0034] In the above scheme,

[0035] The information processing module is used to send the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information to the blockchain network, so that...

[0036] The nodes of the blockchain network fill the new block with the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information, and when there is consensus on the new block, the new block is appended to the end of the blockchain.

[0037] In the above scheme,

[0038] The information processing module is used to receive data synchronization requests from other nodes in the blockchain network;

[0039] The information processing module is used to verify the permissions of the other nodes in response to the data synchronization request.

[0040] The information processing module is used to control the current node to synchronize data with the other nodes when the permissions of the other nodes are verified, so that the other nodes can obtain the user identifier, the resource configuration interest corresponding to the user identifier, and the corresponding collateralizable resource information.

[0041] In the above scheme,

[0042] The information processing module is used to respond to a query request and parse the query request to obtain the corresponding user identifier;

[0043] Based on the user identifier, obtain the permission information within the target block in the blockchain network;

[0044] The matching between the permission information and the user identifier is verified;

[0045] When the permission information matches the user identifier, the corresponding resource allocation interest and corresponding collateralizable resource information are obtained in the blockchain network.

[0046] In response to the query request, the obtained cursor information, resource allocation interest corresponding to the user identifier, and corresponding collateralizable resource information are pushed to the corresponding client, so that the client can obtain the resource allocation interest corresponding to the user identifier and the corresponding collateralizable resource information stored in the blockchain network.

[0047] This invention also provides an electronic device, the electronic device comprising:

[0048] Memory, used to store executable instructions;

[0049] The processor, when executing executable instructions stored in the memory, implements the preceding resource allocation interest processing method.

[0050] This invention also provides a computer-readable storage medium storing executable instructions, which, when executed by a processor, implement a preceding resource allocation interest processing method.

[0051] The embodiments of the present invention have the following beneficial effects:

[0052] By receiving a resource allocation request from a target user, wherein the resource allocation request includes the target user's resource allocation quota information; in response to the resource allocation request, obtaining collateralizable resource information matching the target user from the target user's nodes; determining the mortgage rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information through the institutional nodes matching the target user; determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; and determining the resource allocation interest rate matching the collateralizable resources based on the mortgage rate parameters and interest rate parameters corresponding to the different types of collateralizable resources through the corresponding resource allocation nodes, thereby achieving differentiated processing of different types of collateralizable resources in the collateralizable resource information and improving the flexibility of processing different types of collateralizable resources. Attached Figure Description

[0053] Figure 1 This is a schematic diagram illustrating the application environment of a resource allocation interest processing method provided in an embodiment of the present invention;

[0054] Figure 2 This is a schematic diagram of the composition structure of the resource allocation interest processing device provided in an embodiment of the present invention;

[0055] Figure 3 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention.

[0056] Figure 4 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention.

[0057] Figure 5 This is a schematic diagram of the architecture of the resource allocation interest processing device 100 provided in an embodiment of the present invention;

[0058] Figure 6 This is a schematic diagram of the blockchain structure in the blockchain network 200 provided in this embodiment of the invention;

[0059] Figure 7 This is a functional architecture diagram of the blockchain network 200 provided in an embodiment of the present invention;

[0060] Figure 8 This is a schematic diagram illustrating the usage environment of the resource allocation interest processing method according to an embodiment of the present invention;

[0061] Figure 9 A schematic diagram of an alternative process for handling interest in traditional resource allocation;

[0062] Figure 10 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention.

[0063] Figure 11 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention. Detailed Implementation

[0064] To make the objectives, technical solutions, and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be regarded as limitations on the present invention. All other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0065] In the following description, references are made to “some embodiments,” which describe a subset of all possible embodiments. However, it is understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0066] Before providing a further detailed description of the embodiments of the present invention, the nouns and terms involved in the embodiments of the present invention will be explained, and the nouns and terms involved in the embodiments of the present invention shall be interpreted as follows.

[0067] 1) Transaction, equivalent to the computer term "transaction", includes operations that need to be submitted to the blockchain network for execution. It does not refer solely to transactions in a business context. Given that the term "transaction" is conventionally used in blockchain technology, this embodiment of the invention follows this convention.

[0068] For example, a Deploy transaction is used to install a specified smart contract on a node in the blockchain network and prepare it for invocation; an Invoke transaction is used to append a record of a transaction to the blockchain by invoking a smart contract and to operate on the blockchain's state database, including update operations (including adding, deleting, and modifying key-value pairs in the state database) and query operations (i.e., querying key-value pairs in the state database).

[0069] 2) Blockchain is an encrypted, chain-like storage structure for transactions formed by blocks.

[0070] For example, the header of each block can include the hash values ​​of all transactions in the block, as well as the hash values ​​of all transactions in the previous block, thereby preventing tampering and forgery of transactions in the block based on hash values; newly generated transactions are filled into the block and, after consensus among nodes in the blockchain network, are appended to the tail of the blockchain, thus forming a chain-like growth.

[0071] 3) Blockchain Network: A collection of nodes that incorporate new blocks into a blockchain through consensus.

[0072] 4) Ledger is a collective term for blockchain (also known as ledger data) and the state database synchronized with the blockchain.

[0073] In this context, the blockchain records transactions in the form of files in a file system; the state database records transactions in the blockchain in the form of key-value pairs of different types, which is used to support fast querying of transactions in the blockchain.

[0074] 5) Smart Contracts, also known as chain code or application code, are programs deployed in nodes of a blockchain network. Nodes execute smart contracts called in received transactions to update or query key-value pairs in the ledger database.

[0075] 6) Consensus is a process in a blockchain network used to reach an agreement on transactions in a block among multiple involved nodes. A block that reaches an agreement will be appended to the end of the blockchain. Mechanisms for achieving consensus include Proof of Work (PoW), Proof of Stake (PoS), Delegated Proof-of-Stake (DPoS), and Proof of Elapsed Time (PoET).

[0076] 7) In response to, used to indicate the conditions or states on which the operation performed depends. When the conditions or states on which it depends are met, one or more operations performed may be performed in real time or with a set delay. Unless otherwise specified, there is no restriction on the order in which the multiple operations are performed.

[0077] 8) Terminals, including but not limited to: ordinary terminals and dedicated terminals, wherein the ordinary terminals maintain a long connection and / or a short connection with the transmission channel, and the dedicated terminals maintain a long connection with the transmission channel.

[0078] 9) Client: A carrier in a terminal that implements specific functions. For example, a mobile client (APP) is a carrier of specific functions in a mobile terminal, such as performing payment and consumption functions, purchasing financial products, providing financing functions, and providing collateral functions.

[0079] 10) Margin trading: Margin trading is a transaction in which investors pay a certain amount of margin to a securities company to borrow a certain amount of funds to buy stocks.

[0080] 11) Financing rate: The interest rate charged by a securities company to investors when they borrow money from the company.

[0081] Figure 1 This is a schematic diagram illustrating a use case of the resource allocation interest processing method provided in this embodiment of the invention. (See attached diagram.) Figure 1 The terminals (including terminals 10-1 and 10-2) are equipped with clients that can display software that provides collateral resources (including but not limited to virtual resources and physical resources, such as stocks, securities, equity, and intellectual property rights). For example, clients or plugins that allow users to conduct financial activities or make payments using virtual resources can be used. Users can issue resource allocation requests (such as financing requests) through the corresponding clients and obtain a certain amount of financing by using collateral resources. During this process, the corresponding resource allocation interest processing process can be triggered (such as the process of paying with WeChat Pay or purchasing stocks with funds in WeChat). The terminals are connected to server 200 through network 300, which can be a wide area network, a local area network, or a combination of both, and data transmission is achieved using a wireless link.

[0082] As an example, server 200 is configured to deploy the resource allocation interest processing device to implement the resource allocation interest processing method provided by the present invention. This method involves receiving a resource allocation request from a target user, wherein the resource allocation request includes the target user's resource allocation quota information; responding to the resource allocation request, obtaining collateralizable resource information matching the target user from the target user's nodes; determining the mortgage rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information through institutional nodes matching the target user; determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; and determining the resource allocation interest matching the collateralizable resources based on the mortgage rate parameters and interest rate parameters corresponding to the different types of collateralizable resources through the corresponding resource allocation nodes, thereby achieving differentiated processing of different types of collateralizable resources in the collateralizable resource information.

[0083] Of course, the resource allocation interest processing device provided by this invention can be applied to environments where virtual resources are used for financial activities or for information exchange through virtual resource payment environments (including but not limited to various types of virtual resource change environments) or financial transaction software. In financial activities using different types of collateralized resources or for financial payments through virtual resources, different types of collateralized resources are typically processed, and the corresponding resource allocation interest is ultimately presented on the user interface (UI) along with the collateralized resource information. The financing (e.g., physical currency or equity certificates) obtained by the user in the current display interface can also be used by other applications (for financial payments).

[0084] Of course, the resource allocation interest, which is matched with collateralizable resources through the resource allocation interest processing device, specifically includes:

[0085] The system receives a resource allocation request from a target user, wherein the resource allocation request includes the target user's resource allocation quota information; in response to the resource allocation request, it obtains collateralizable resource information matching the target user from the target user's nodes; through institutional nodes matching the target user, it determines the mortgage rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; it determines the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; through the corresponding resource allocation nodes, based on the mortgage rate parameters and interest rate parameters corresponding to different types of collateralizable resources, it determines the resource allocation interest rate matching the collateralizable resources, thereby enabling differentiated processing of different types of collateralizable resources in the collateralizable resource information.

[0086] The structure of the resource allocation interest processing device according to an embodiment of the present invention will be described in detail below. The resource allocation interest processing device can be implemented in various forms, such as a dedicated terminal with resource allocation interest processing device functions, or a server equipped with resource allocation interest processing device functions, for example, the aforementioned... Figure 1 Server 200. Figure 2 This is a schematic diagram of the composition of the resource allocation interest processing device provided in an embodiment of the present invention. It can be understood that... Figure 2 The diagram only shows an exemplary structure of the resource allocation interest processing device, not the entire structure; it can be implemented as needed. Figure 2 The structure shown may be part or all of the structure.

[0087] The resource allocation interest processing apparatus provided in this embodiment of the invention includes at least one processor 201, a memory 202, a user interface 203, and at least one network interface 204. The various components in the resource allocation interest processing apparatus are coupled together via a bus system 205. It can be understood that the bus system 205 is used to implement communication between these components. In addition to a data bus, the bus system 205 also includes a power bus, a control bus, and a status signal bus. However, for clarity, in... Figure 2 The general labeled all buses as Bus System 205.

[0088] The user interface 203 may include a monitor, keyboard, mouse, trackball, click wheel, buttons, touchpad, or touch screen.

[0089] It is understood that memory 202 can be volatile memory or non-volatile memory, or both. In this embodiment of the invention, memory 202 is capable of storing data to support the operation of a terminal (such as 10-1). Examples of this data include any computer programs used to operate on the terminal (such as 10-1), such as operating systems and applications. The operating system includes various system programs, such as the framework layer, core library layer, driver layer, etc., used to implement various basic services and handle hardware-based tasks. Applications can include various applications.

[0090] In some embodiments, the resource allocation interest processing apparatus provided in this invention can be implemented using a combination of hardware and software. For example, the resource allocation interest processing apparatus provided in this invention can be a processor in the form of a hardware decoding processor, which is programmed to execute the resource allocation interest processing method provided in this invention. For instance, the processor in the form of a hardware decoding processor can employ one or more application-specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field-programmable gate arrays (FPGAs), or other electronic components.

[0091] As an example of the resource allocation interest processing device provided in this embodiment of the invention, which is implemented using a combination of hardware and software, the resource allocation interest processing device provided in this embodiment of the invention can be directly embodied as a combination of software modules executed by processor 201. The software modules can be located in a storage medium, which is located in memory 202. Processor 201 reads the executable instructions included in the software modules in memory 202 and combines them with necessary hardware (e.g., including processor 201 and other components connected to bus 205) to complete the resource allocation interest processing method provided in this embodiment of the invention.

[0092] As an example, processor 201 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., wherein the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0093] As an example of the hardware implementation of the resource allocation interest processing device provided in this embodiment of the invention, the device provided in this embodiment of the invention can be directly executed by a processor 201 in the form of a hardware decoding processor. For example, it can be executed by one or more application specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field-programmable gate arrays (FPGAs), or other electronic components to implement the resource allocation interest processing method provided in this embodiment of the invention.

[0094] In this embodiment of the invention, the memory 202 is used to store various types of data to support the operation of the resource allocation interest processing device. Examples of such data include any executable instructions for operation on the resource allocation interest processing device, such as executable instructions that can be included in a program implementing the resource allocation interest processing method of this embodiment of the invention.

[0095] In other embodiments, the resource allocation interest processing apparatus provided in this invention can be implemented in software. Figure 2A resource allocation interest processing device stored in memory 202 is shown. This device can be software in the form of programs and plug-ins, and includes a series of modules. As an example of a program stored in memory 202, it may include the resource allocation interest processing device. The resource allocation interest processing device includes the following software modules: an information transmission module 2081 and an information processing module 2082. When the software modules in the resource allocation interest processing device are read into RAM and executed by processor 201, the resource allocation interest processing method provided in this embodiment of the invention will be implemented. The functions of each software module in the resource allocation interest processing device include:

[0096] Information transmission module 2081 is used to receive a resource configuration request from a target user, wherein the resource configuration request includes the resource configuration quota information of the target user;

[0097] Information processing module 2082 is used to respond to the resource configuration request by obtaining collateralizable resource information matching the target user from the target user's node;

[0098] The information processing module 2082 is used to determine the mortgage rate parameters corresponding to different types of collateral resources in the collateral resource information by using an institutional node that matches the target user.

[0099] The information processing module 2082 is used to determine the interest rate parameters corresponding to different types of collateral resources in the collateral resource information;

[0100] The information processing module 2082 is used to determine the resource allocation interest that matches the collateralized resources based on the collateral rate parameters and interest rate parameters corresponding to the different types of collateralized resources through the corresponding resource allocation nodes, so as to realize differentiated processing of different types of collateralized resources in the collateralized resource information.

[0101] Combination Figure 2 The resource allocation interest processing apparatus shown illustrates the resource allocation interest processing method provided in this embodiment of the invention. See also: Figure 3 , Figure 3 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention. It can be understood that... Figure 3 The steps shown can be performed by various electronic devices running resource allocation interest processing devices, such as servers or server clusters equipped with resource allocation interest processing devices, wherein a dedicated terminal equipped with a resource allocation interest processing device can be encapsulated in... Figure 1 In the server shown, to execute the pre-processor Figure 2 The corresponding software modules in the resource allocation interest processing device shown below. The following section addresses... Figure 3The steps shown are explained.

[0102] Step 301: The resource allocation interest processing device receives the resource allocation request from the target user.

[0103] The resource allocation request includes the target user's resource allocation quota information, such as the financing quota information of the corresponding financing request.

[0104] When a target user lacks sufficient funds, they can request financing from the corresponding institutional nodes by providing the corresponding collateral resources.

[0105] Step 302: In response to the resource allocation request, the resource allocation interest processing device obtains collateralizable resource information matching the target user from the target user's node.

[0106] In some embodiments of the present invention, in response to the resource configuration request, obtaining collateralizable resource information matching the target user from the target user's node can be achieved in the following ways:

[0107] Based on the collateral resource location information in the resource allocation request, resource information from at least one account belonging to the target user is obtained. This resource information is then verified with an institutional node. When the institutional node verifies the information, the resource information from at least one account belonging to the target user is determined to be collateralizable resource information matching the target user. The target user issuing the resource allocation request may hold different accounts. These accounts can be within the same financial system (e.g., a stock market account) or different financial systems (e.g., a stock market account and a Shanghai Stock Exchange account). Verifying the resource information from at least one account belonging to the target user with an institutional node, which can be a brokerage firm providing financing services to the target user, indicates that the collateralizable resource provided by the target user is not currently collateralized. This avoids duplicate collateralization of already collateralized resources, enhancing the security of collateralizable resources.

[0108] Step 303: The resource allocation interest processing device determines the mortgage rate parameters corresponding to different types of collateral resources in the collateral resource information through the institutional node matched with the target user.

[0109] In some embodiments of the present invention, when collateralizable resources are processed into corresponding payment activities, the resources in the target user's account and the resources required to participate in the payment activity can have different forms of representation. Some embodiments of the present invention do not limit the specific form of the collateralizable resources. Optionally, the collateralizable resources can be real funds, real funds, real financial products, virtual coins, virtual gems, user points, vouchers, virtual ingots, virtual banknotes, etc. For example, the collateralizable resources in the target user's account can have one form of representation or include multiple forms. For instance, the collateralizable resources in the target user's account can be in the form of a unified real currency (single currency or mixed currency). Further, the collateralizable resources in the target user's account can include multiple forms of representation such as virtual ingots, virtual banknotes, and virtual gems. In some embodiments of the present invention, to conveniently represent the total amount of collateralizable resources in the target user's account, the collateralizable resources in the target user's account are represented using one form of representation. Optionally, collateralizable resources in other forms can be converted to collateralizable resources in the target user's account.

[0110] In some embodiments of the present invention, determining the collateral ratio parameters corresponding to different types of collateralizable resources in the collateralizable resource information by using an institutional node matched with the target user can be achieved in the following ways:

[0111] The market value of different types of collateralizable resources in the collateralizable resource information is queried from the institutional nodes, and the market value corresponding to each type of collateralizable resource information is obtained. Based on the market value of the different types of collateralizable resources information and the financing amount corresponding to the resource allocation request, the collateral ratio corresponding to each type of collateralizable resource information is determined. Since the different types of collateralizable resources information can include stocks, securities, futures, equity, etc., the market value of these different types of collateralizable resources may change. By obtaining the market value corresponding to each type of collateralizable resource information, the risk of different types of collateralizable resources can be determined; that is, collateralizable resources with higher market value have lower risk, and vice versa. When the collateralizable resource is a stock, the obtained information includes: subscription date, subscription code, trading market, stock code, stock name, subscription price, winning date, listing date, winning number, winning rate, total issuance, and subscription limit. Based on the market value of the different types of collateralizable resource information and the financing amount corresponding to the resource allocation request, the collateral ratio corresponding to the different types of collateralizable resource information is determined, where the collateral ratio = financing amount / market value of collateralizable resources.

[0112] Step 304: The resource allocation interest processing device determines the interest rate parameters corresponding to the different types of collateral resources in the collateral resource information.

[0113] In some embodiments of the present invention, determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information can be achieved in the following ways:

[0114] Based on the different types of collateralizable resources in the collateralizable resource information, a query request is sent to the resource configuration node corresponding to the resource configuration request; the interest rate parameters and corresponding associated information sent by the resource configuration node are obtained, wherein the associated information includes repayment method information, repayment time information, and liquidation threshold information matching the interest rate parameters. As described in the preceding embodiments, different financing institutions offer different interest rate parameters for the same collateralizable resources. By obtaining the interest rate parameters and corresponding associated information sent by the resource configuration node, the target user can clearly obtain the repayment method information, repayment time information, and liquidation threshold information matching the interest rate parameters, thereby enriching the user's choice flexibility and avoiding forced liquidation due to inappropriate liquidation thresholds.

[0115] Step 305: The resource allocation interest processing device determines the resource allocation interest that matches the collateralized resources based on the collateral rate parameters and interest rate parameters corresponding to the different types of collateralized resources through the corresponding resource allocation nodes.

[0116] This allows for differentiated processing of different types of collateralized resources within the collateralized resource information. Simultaneously, it overcomes the limitations of traditional technologies that apply the same interest rate to collateral of varying risk levels, increasing the risk for brokerages and hindering users from obtaining high-financing curves commensurate with high-quality collateralized resources. Furthermore, brokerages can provide more refined and differentiated services to investors holding collateral of varying quality, enhancing the user experience.

[0117] Continue to combine Figure 2 The resource allocation interest processing apparatus shown illustrates the resource allocation interest processing method provided in this embodiment of the invention. See also: Figure 4 , Figure 4 This is an optional flowchart illustrating the resource allocation interest processing method provided in an embodiment of the present invention. It can be understood that... Figure 4 The steps shown can be performed by various electronic devices running resource allocation interest processing devices, such as servers or server clusters equipped with resource allocation interest processing devices, wherein a dedicated terminal equipped with a resource allocation interest processing device can be encapsulated in... Figure 1 In the server shown, to execute the pre-processor Figure 2The corresponding software modules in the resource allocation interest processing device shown below. The following section addresses... Figure 4 The steps shown are explained.

[0118] Step 401: Determine the single resource allocation interest rate corresponding to the single collateralized resource based on the collateral ratio parameter and interest rate parameter corresponding to the single collateralized resource among the different types of collateralized resources.

[0119] Step 402: Based on the resource allocation quota information and the single resource allocation interest, determine the single resource allocation interest corresponding to different types of collateral resources in the collateral resource information.

[0120] Step 403: Sum the single resource allocation interest rates corresponding to the different types of collateralizable resources to determine the resource allocation interest rate that matches the collateralizable resources.

[0121] In some embodiments of the present invention, the resource allocation interest processing method further includes:

[0122] Based on the repayment method information, repayment time information, and resource allocation interest that match the collateralized resources, the billing information matching the target user is determined; and the corresponding billing information is pushed to the target user through the communication method reserved by the target user.

[0123] In some embodiments of the present invention, the resource allocation interest processing method further includes:

[0124] The user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information are sent to the blockchain network so that the nodes of the blockchain network fill the new block with the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information. When there is consensus on the new block, the new block is appended to the end of the blockchain.

[0125] In some embodiments of the present invention, the resource allocation interest processing method further includes:

[0126] Receive data synchronization requests from other nodes in the blockchain network;

[0127] In response to the data synchronization request, the permissions of the other nodes are verified;

[0128] When the permissions of the other nodes are verified, the current node is controlled to synchronize data with the other nodes, so that the other nodes can obtain the user identifier, the resource configuration interest corresponding to the user identifier, and the corresponding collateralizable resource information.

[0129] In some embodiments of the present invention, the resource allocation interest processing method further includes:

[0130] In response to a query request, the query request is parsed to obtain the corresponding user identifier;

[0131] Based on the user identifier, obtain the permission information within the target block in the blockchain network;

[0132] The matching between the permission information and the user identifier is verified;

[0133] When the permission information matches the user identifier, the corresponding resource allocation interest and corresponding collateralizable resource information are obtained in the blockchain network.

[0134] In response to the query request, the obtained cursor information, resource allocation interest corresponding to the user identifier, and corresponding collateralizable resource information are pushed to the corresponding client, so that the client can obtain the resource allocation interest corresponding to the user identifier and the corresponding collateralizable resource information stored in the blockchain network.

[0135] See Figure 5 , Figure 5 This is a schematic diagram of the architecture of the resource allocation interest processing device 100 provided in an embodiment of the present invention, including a blockchain network 200 (consensus nodes 210-1 to 210-3 are shown as examples), an authentication center 300, a business entity 400 and a business entity 500, which will be described below.

[0136] The types of blockchain networks 200 are flexible and diverse, and can be any of the following: public blockchain, private blockchain, or consortium blockchain. Taking a public blockchain as an example, electronic devices of any business entity, such as user terminals and servers, can access the blockchain network 200 without authorization. Taking a consortium blockchain as an example, after obtaining authorization, the electronic devices (such as terminals / servers) under the business entity can access the blockchain network 200, at which point they become client nodes in the blockchain network 200.

[0137] In some embodiments, client nodes may act only as observers of the blockchain network 200, providing support for business entities to initiate transactions (e.g., for storing data on-chain or querying on-chain data). For the functions of the consensus nodes 210 of the blockchain network 200, such as sorting, consensus services, and ledger functions, client nodes may implement them by default or selectively (e.g., depending on the specific business needs of the business entity). This allows for the maximum migration of business entity data and business processing logic to the blockchain network 200, achieving trustworthiness and traceability of data and business processing through the blockchain network 200.

[0138] Consensus nodes in blockchain network 200 receive data from different business entities (e.g.) Figure 5 The client nodes of business entities 400 and 500 shown in the figure (e.g., Figure 5 The client node 410 belonging to business entity 400 and the client node 510 belonging to business entity 500, as shown in the figure, submit transactions, execute transactions to update the ledger or query the ledger, and various intermediate or final results of the execution of transactions can be returned to the client node of the business entity for display.

[0139] For example, client nodes 410 / 510 can subscribe to events of interest in the blockchain network 200, such as transactions occurring in a specific organization / channel within the blockchain network 200. Consensus node 210 then pushes the corresponding transaction notifications to client nodes 410 / 510, thereby triggering the corresponding business logic in client nodes 410 / 510.

[0140] The following example illustrates an exemplary application of a blockchain network, using the example of multiple business entities accessing the blockchain network to manage the results of resource allocation interest processing.

[0141] See Figure 5 The management process involves multiple business entities, such as business entity 400 (which could be an AI-based resource allocation interest processing device) and business entity 500 (which could be a display system with resource allocation interest processing capabilities). Each entity registers with certification authority 300 to obtain its own digital certificate. The digital certificate includes the business entity's public key and a digital signature from certification authority 300 on the business entity's public key and identity information. This digital signature, along with the business entity's digital signature for the transaction, is attached to the transaction and sent to the blockchain network. The blockchain network retrieves the digital certificate and signature from the transaction to verify the message's reliability (i.e., whether it has been tampered with) and the identity information of the business entity that sent the message. The blockchain network verifies the identity, such as whether the entity has the authority to initiate the transaction. Clients running on electronic devices (e.g., terminals or servers) under the business entities can request access to the blockchain network 200 and become client nodes.

[0142] The client node 410 of the business entity 400 is used to receive resource allocation requests from target users, wherein the resource allocation requests include the resource allocation quota information of the target user; in response to the resource allocation requests, it obtains collateralizable resource information matching the target user from the target user's nodes; through the institutional nodes matching the target user, it determines the collateralization rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; it determines the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; through the corresponding resource allocation nodes, based on the collateralization rate parameters and interest rate parameters corresponding to different types of collateralizable resources, it determines the resource allocation interest matching the collateralizable resources, so as to realize differentiated processing of different types of collateralizable resources in the collateralizable resource information, and sends the user identifier, the resource allocation interest corresponding to the user identifier, and the corresponding collateralizable resource information to the blockchain network 200.

[0143] The process of sending a user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information to the blockchain network 200 can be pre-configured on the client node 410. When the corresponding resource allocation interest processing result is generated, the client node 410 automatically sends the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information to the blockchain network 200. Alternatively, business personnel from the business entity 400 can log in to the client node 410 and manually package the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information, and send them to the blockchain network 200. During transmission, the client node 410 generates a corresponding update operation transaction based on the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information. The transaction specifies the smart contract to be invoked to implement the update operation and the parameters to be passed to the smart contract. The transaction also carries the client node 410's digital certificate and a signed digital signature (e.g., obtained by encrypting the transaction digest using the private key in the client node 410's digital certificate), and broadcasts the transaction to the consensus node 210 in the blockchain network 200.

[0144] When consensus node 210 in blockchain network 200 receives a transaction, it verifies the digital certificate and digital signature carried in the transaction. If the verification is successful, it confirms whether business entity 400 has the authority to conduct the transaction based on the identity of the business entity 400 carried in the transaction. Either verification of the digital signature or the authorization will cause the transaction to fail. After successful verification, node 210 signs its own digital signature (e.g., by encrypting the transaction digest using node 210-1's private key) and continues broadcasting it within blockchain network 200.

[0145] After receiving a successfully verified transaction, consensus node 210 in blockchain network 200 fills the transaction into a new block and broadcasts it. When broadcasting a new block, consensus node 210 in blockchain network 200 performs a consensus process on the new block. If the consensus is successful, the new block is appended to the end of its stored blockchain, and the state database is updated according to the transaction results. The transactions in the new block are then executed: for transactions that submit updates to the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information, key-value pairs including the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information are added to the state database.

[0146] Business personnel of business entity 500 log in to client node 510 and input the resource configuration interest processing result or virtual resource query request. Client node 510 generates a corresponding update / query transaction based on the resource configuration interest processing result or virtual resource query request. The transaction specifies the smart contract to be called to implement the update / query operation and the parameters to be passed to the smart contract. The transaction also carries the digital certificate of client node 510 and the signed digital signature (for example, obtained by encrypting the transaction digest using the private key in the digital certificate of client node 510), and broadcasts the transaction to consensus node 210 in blockchain network 200.

[0147] When a consensus node 210 in the blockchain network 200 receives a transaction, verifies the transaction, fills in the block, and achieves consensus, it appends the new block to the end of its stored blockchain and updates the state database according to the transaction result. It then executes the transactions in the new block: for a transaction that updates a user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information, it updates the key-value pair corresponding to the resource allocation interest processing result in the state database according to the manual identification result; for a transaction that queries the resource allocation interest processing result, it queries the state database for the key-value pair corresponding to the resource allocation interest processing result and returns the transaction result.

[0148] It is worth noting that, in Figure 5The example illustrates the process of directly uploading a user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information to the blockchain. However, in other embodiments, when the data volume of the resource allocation interest processing result is large, the client node 410 can upload the hash of the resource allocation interest processing result and the corresponding hash of the corresponding resource allocation interest processing result to the blockchain in pairs, and store the original resource allocation interest processing result and the corresponding hash of the corresponding resource allocation interest processing result in a distributed file system or database. After the client node 510 obtains the resource allocation interest processing result and the corresponding hash of the corresponding resource allocation interest processing result from the distributed file system or database, it can verify them by combining them with the corresponding hash in the blockchain network 200, thereby reducing the workload of the uploading operation.

[0149] As an example of blockchain, see Figure 6 , Figure 6 This is a schematic diagram of the blockchain structure in the blockchain network 200 provided in this embodiment of the invention. The header of each block can include the hash values ​​of all transactions in the block, as well as the hash values ​​of all transactions in the previous block. The record of a newly generated transaction is filled into the block and, after consensus among the nodes in the blockchain network, is appended to the tail of the blockchain to form a chain-like growth. The chain structure between blocks based on hash values ​​ensures the tamper-proof and anti-forgery properties of the transactions in the block.

[0150] The following describes an exemplary functional architecture of the blockchain network provided in the embodiments of the present invention. See also... Figure 7 , Figure 7 This is a functional architecture diagram of the blockchain network 200 provided in an embodiment of the present invention, including an application layer 201, a consensus layer 202, a network layer 203, a data layer 204, and a resource layer 205, which will be described below.

[0151] Resource layer 205 encapsulates the computing resources, storage resources, and communication resources of each node 210 in the blockchain network 200.

[0152] Data layer 204 encapsulates various data structures that implement ledgers, including blockchains implemented as files in a file system, key-value state databases, and proof of existence (such as hash trees of transactions in blocks).

[0153] Network layer 203 encapsulates the functions of point-to-point (P2P) network protocols, data propagation and verification mechanisms, access authentication mechanisms, and business entity identity management.

[0154] Among them, the P2P network protocol enables communication between nodes 210 in the blockchain network 200, the data propagation mechanism ensures the propagation of transactions in the blockchain network 200, the data verification mechanism is used to ensure the reliability of data transmission between nodes 210 based on cryptographic methods (such as digital certificates, digital signatures, public / private key pairs), the access authentication mechanism is used to authenticate the identity of business entities joining the blockchain network 200 according to the actual business scenario, and grant the business entities access to the blockchain network 200 when the authentication is successful, and the business entity identity management is used to store the identity and permissions (such as the types of transactions that can be initiated) of the business entities allowed to access the blockchain network 200.

[0155] The consensus layer 202 encapsulates the mechanisms (i.e., consensus mechanisms) for nodes 210 in the blockchain network 200 to reach consensus on blocks, as well as the functions of transaction management and ledger management. The consensus mechanisms include consensus algorithms such as POS, POW, and DPOS, and support pluggable consensus algorithms.

[0156] Transaction management is used to verify the digital signature carried in the transaction received by node 210, verify the identity information of the business entity, and determine whether it has the authority to conduct the transaction based on the identity information (reading relevant information from the business entity identity management); for business entities that have been authorized to access the blockchain network 200, they all have digital certificates issued by the certification center. The business entity uses the private key in its digital certificate to sign the submitted transaction, thereby declaring its legitimate identity.

[0157] Ledger management is used to maintain the blockchain and state database. For blocks that have reached consensus, they are appended to the end of the blockchain; transactions within consensus-reaching blocks are executed. When a transaction includes an update operation, the key-value pairs in the state database are updated; when a transaction includes a query operation, the key-value pairs in the state database are queried, and the query results are returned to the client nodes of the business entity. Multiple query operations on the state database are supported, including: querying blocks based on block vector numbers (e.g., transaction hashes); querying blocks based on block hashes; querying blocks based on transaction vector numbers; querying transactions based on transaction vector numbers; querying account data of the business entity based on its account (vector number); and querying the blockchain within a channel based on its channel name.

[0158] The application layer 201 encapsulates various business functions that a blockchain network can implement, including transaction tracing, notarization, and verification.

[0159] The following example, using the financing process in a stock market (hereinafter referred to as "the stock"), illustrates the resource allocation interest processing method provided by this invention. The collateralizable resources include different types of stocks, and the institutional node is a securities firm. Figure 8This is a schematic diagram illustrating the usage environment of the resource allocation interest processing method according to an embodiment of the present invention; wherein, see... Figure 8 The terminals (including user terminal 80-1 and brokerage terminal 80-2) are equipped with corresponding client applications capable of performing different functions. These client applications retrieve and browse information from a server 200 (the server of a stock exchange in a certain city) via network 300. The terminal connects to server 200 via network 300, which can be a wide area network (WAN), a local area network (LAN), or a combination of both, using a wireless link for data transmission. User terminal 80-1 sends financing requests to brokerage terminal 80-2 and provides matching collateral resources. Brokerage terminal 80-2 can also query financing transaction orders or daily / monthly statements through corresponding query services. It can also view financing amounts, financing interest rates / interest rates, and query financing transactions using different collateralized stocks.

[0160] refer to Figure 9 , Figure 9 This is an optional flowchart for the traditional resource allocation interest processing method. In the traditional technology, when users in the market pay a certain margin to a securities company through margin trading to borrow a certain amount of funds to buy stocks, the securities company charges all customers for the amount of financing based on a uniform interest rate and collects resource allocation interest. However, in this method, the same interest rate is charged for collateral with different risk levels, which increases the risk of the securities company and is not conducive to users obtaining high-amount financing that matches high-quality collateral resources, thus affecting the user experience.

[0161] When financing a stock, users access the trading interface through a corresponding terminal (such as a brokerage's app), use their own collateralizable stocks as collateral to obtain financing from the brokerage, and conduct financing transactions. The brokerage charges all clients for the financing amount based on a uniform interest rate and collects financing interest, while sending detailed fee statements to clients daily and monthly. However, this method applies the same interest rate to collateral of different risk levels, increasing the brokerage's risk and making it difficult for users to obtain high-quality financing matching high-quality collateral resources. Furthermore, the brokerage cannot provide more refined and differentiated services for investors holding collateral of different quality, affecting the user experience.

[0162] To address the aforementioned deficiencies, refer to Figure 10 , Figure 10 An optional flowchart of the resource allocation interest processing method provided in this embodiment of the invention specifically includes the following steps:

[0163] Step 1001: Use the collateralizable stocks in the account as collateral to obtain financing from a brokerage firm and conduct margin trading.

[0164] Step 1002: Calculate the financing interest generated by the pledged shares according to the different interest rates corresponding to different pledged shares.

[0165] In some embodiments of this invention, the collateralizable virtual resources in User A's account are stocks, including: Class A stocks with a market value of HKD 1 million, Class B stocks with a market value of HKD 1 million, and Class C stocks with a market value of HKD 1 million. All three stocks can be used as collateral to obtain financing from Brokerage D. The collateral ratio (financing amount / collateral market value) is 70% for Class A stocks, 60% for Class B stocks, and 50% for Class C stocks, meaning that Class A stocks provide the highest maximum financing, followed by Class B stocks, and then Class C stocks. The collateral ratio is negatively correlated with the risk of the collateral; therefore, using the tiered fee structure described in this solution, the brokerage can independently set the interest rates for the three stocks, for example, a 5% financing rate for Class A stocks, a 6% financing rate for Class B stocks, and a 7% financing rate for Class C stocks. When a user pledges all three stocks to obtain financing up to the maximum amount that can be raised, then 1 million worth of Class A stocks can be used to raise up to 700,000 RMB at an interest rate of 5%; 1 million worth of Class B stocks can be used to raise up to 600,000 RMB at an interest rate of 6%; and 1 million worth of Class C stocks can be used to raise up to 500,000 RMB at an interest rate of 7%.

[0166] Step 1003: Determine the financing information matching the collateralized shares based on the interest rate parameters, and collect financing interest from the customer.

[0167] Step 1004: The customer receives the daily / monthly account statement.

[0168] Continue to refer to Figure 11 , Figure 11 An optional flowchart illustrating the financing interest processing method provided in this embodiment of the invention specifically includes the following steps:

[0169] Step 1101: The user submits a transaction request on the transaction order page.

[0170] Step 1102: The gateway service process sends a transaction request to the brokerage's trading service process.

[0171] Step 1103: Trigger the verification service process to query the list of stocks that can be pledged.

[0172] Step 1104: Verify the service process to query the interest rate information corresponding to the collateralizable stock information.

[0173] Step 1105: The interest rate information corresponding to the collateralizable stock information of the transaction service process is sent to the gateway service process.

[0174] Step 1106: The gateway service process sends the interest rate information corresponding to the collateralizable stock information to the user.

[0175] Step 1107: The gateway service process obtains the financing transaction request.

[0176] Step 1108: The brokerage firm's trading service process obtains the financing transaction request and conducts the financing.

[0177] Step 1109: The stock exchange system in a certain city in China obtains transaction requests through the order gateway process.

[0178] Step 1110: The stock exchange system in a certain city in China pushes transaction feedback information to the brokerage's trading service process and users through the order gateway process.

[0179] Through the above-described steps, customers can access the trading interface through the corresponding process, use the collateralizable stocks in their account as collateral to obtain financing from the brokerage firm, and conduct financing transactions. The brokerage firm calculates the financing interest generated by the collateralized stocks according to the different interest rates corresponding to different collateralized stocks, collects the financing interest, and sends the fee details to the customer in the form of daily and monthly statements, so that users can adjust their financing information in a timely manner.

[0180] Beneficial technical effects:

[0181] By receiving a resource allocation request from a target user, wherein the resource allocation request includes the target user's resource allocation quota information; responding to the resource allocation request, obtaining collateralizable resource information matching the target user from the target user's nodes; determining the loan-to-value (LTV) parameters corresponding to different types of collateralizable resources in the collateralizable resource information through institutional nodes matching the target user; determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information; and determining the resource allocation interest rate matching the collateralizable resources based on the LTV parameters and interest rate parameters corresponding to the different types of collateralizable resources through the corresponding resource allocation nodes, differentiated processing of different types of collateralizable resources in the collateralizable resource information can be achieved. This overcomes the problem of using the same interest rate for collateral with different risk levels in traditional technology, which increases the risk for securities firms and is not conducive to users obtaining a high financing curve matching high-quality collateralizable resources. At the same time, securities firms can provide more refined and differentiated services to investors holding collateral of different quality, improving the user experience.

[0182] The above description is merely an embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for processing resource configuration interest, characterized in that, Applied to a server, the method includes: Receive a resource configuration request from the target user's client, wherein the resource configuration request includes the target user's resource configuration quota information; In response to the resource configuration request, obtain collateralizable resource information matching the target user from the target user's node; By using institutional nodes in the blockchain network that match the target user, the collateralization rate parameters corresponding to different types of collateral resources in the collateral resource information are determined. Determine the interest rate parameters corresponding to the different types of collateralizable resources in the collateralizable resource information; Through the corresponding resource allocation node, the resource allocation interest rate matching the collateralized resource is determined according to the collateral rate parameter and interest rate parameter corresponding to the different types of collateralized resources. A transaction is generated to update a user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information. The transaction specifies the smart contract to be invoked to implement the update operation and the parameters to be passed to the smart contract. The transaction carries the digital certificate and digital signature of the client node in the blockchain network. The digital signature is obtained by encrypting the digest of the transaction. The transaction is broadcast to the consensus nodes in the blockchain network, enabling the consensus nodes to verify the client node's digital certificate and digital signature, and to determine whether the target user has transaction permissions based on the target user's identity information. When a successfully verified transaction is received, the transaction is populated into a new block, a consensus process is performed on the new block, and when the consensus on the new block is consistent, the new block is appended to the end of the blockchain, the state database is updated according to the transaction results, and the transactions in the new block are executed. In response to a query request, the query request is parsed to obtain the corresponding user identifier. Based on the user identifier, the permission information within the target block in the blockchain network is obtained, and the matching between the permission information and the user identifier is verified.

2. The method of claim 1, wherein, The step of responding to the resource configuration request by obtaining collateralizable resource information matching the target user from the target user's node includes: Based on the collateral resource location information in the resource configuration request, obtain resource information from at least one account belonging to the target user; The resource information of at least one account belonging to the target user is verified with the institution node; When the institutional node is verified, the resource information in at least one account belonging to the target user is determined to be collateralizable resource information that matches the target user.

3. The method according to claim 2, characterized in that, The step of determining the collateral ratio parameters corresponding to different types of collateralizable resources in the collateralizable resource information by using institutional nodes in the blockchain network that match the target user includes: The market value of different types of collateralizable resources in the collateralizable resource information is queried from the institutional node, and the market value corresponding to the different types of collateralizable resource information is obtained respectively; Based on the market value of the different types of collateralizable resource information and the financing amount corresponding to the resource allocation request, the loan-to-value ratio parameter corresponding to the different types of collateralizable resource information is determined.

4. The method of claim 1, wherein, The step of determining the interest rate parameters corresponding to different types of collateralizable resources in the collateralizable resource information includes: Based on the different types of collateralizable resources in the collateralizable resource information, a query request is sent to the resource configuration node corresponding to the resource configuration request. Obtain the interest rate parameters and corresponding associated information sent by the resource configuration node, wherein the associated information includes repayment method information, repayment time information, and liquidation threshold information that match the interest rate parameters.

5. The method of claim 1, wherein, The step of determining the resource allocation interest rate matching the collateralized resources through the corresponding resource allocation nodes, based on the collateral ratio and interest rate parameters corresponding to the different types of collateralized resources, includes: Based on the loan-to-value ratio and interest rate parameters corresponding to a single collateralized resource among the different types of collateralized resources, determine the single resource allocation interest corresponding to the single collateralized resource; Based on the resource allocation quota information and the single resource allocation interest rate, determine the single resource allocation interest rate corresponding to different types of collateral resources in the collateral resource information; The individual resource allocation interest rates corresponding to the different types of collateralizable resources are summed to determine the resource allocation interest rate that matches the collateralizable resources.

6. The method of claim 4, wherein, The method further includes: Based on the repayment method information, repayment time information, and resource allocation interest that match the collateralizable resources, the billing information that matches the target user is determined. The relevant billing information is pushed to the target user through the communication method reserved by the target user.

7. The method of claim 1, wherein, The method further includes: Receive data synchronization requests from other nodes in the blockchain network; In response to the data synchronization request, the permissions of the other nodes are verified; When the permissions of the other nodes are verified, the current node is controlled to synchronize data with the other nodes, so that the other nodes can obtain the user identifier, the resource configuration interest corresponding to the user identifier, and the corresponding collateralizable resource information.

8. The method of claim 1, wherein, The method further includes: When the permission information matches the user identifier, the corresponding resource allocation interest and corresponding collateralizable resource information are obtained in the blockchain network. In response to the query request, the obtained cursor information, resource allocation interest corresponding to the user identifier, and corresponding collateralizable resource information are pushed to the corresponding client, so that the client can obtain the resource allocation interest corresponding to the user identifier and the corresponding collateralizable resource information stored in the blockchain network.

9. A resource configuration interest processing apparatus, characterized by, Applied to a server, the device includes: The information transmission module is used to receive resource configuration requests from the target user's client, wherein the resource configuration requests include the target user's resource configuration quota information; The information processing module is used to respond to the resource configuration request by obtaining collateralizable resource information matching the target user from the target user's node; The information processing module is used to determine the collateralization rate parameters corresponding to different types of collateral resources in the collateral resource information by using institutional nodes in the blockchain network that match the target user. The information processing module is used to determine the interest rate parameters corresponding to different types of collateral resources in the collateral resource information; The information processing module is used to determine the resource allocation interest that matches the collateralized resources based on the collateral rate parameters and interest rate parameters corresponding to the different types of collateralized resources through the corresponding resource allocation nodes. The information processing module is used to generate an update operation transaction from the user identifier, the corresponding resource allocation interest, and the corresponding collateralizable resource information. The transaction specifies the smart contract to be invoked to implement the update operation and the parameters passed to the smart contract. The transaction carries the digital certificate and digital signature of the client node in the blockchain network. The digital signature is obtained by encrypting the digest of the transaction. The transaction is broadcast to the consensus nodes in the blockchain network so that the consensus nodes can verify the digital certificate and digital signature of the client node and determine whether the target user has transaction permissions based on the target user's identity information. When a successfully verified transaction is received, the transaction is populated into a new block, a consensus process is performed on the new block, and when the consensus on the new block is consistent, the new block is appended to the end of the blockchain, the state database is updated according to the transaction results, and the transactions in the new block are executed. The information processing module is used to respond to a query request, parse the query request to obtain the corresponding user identifier, obtain the permission information within the target block in the blockchain network based on the user identifier, and verify the matching between the permission information and the user identifier.

10. The apparatus of claim 9, wherein, The information processing module is further configured to obtain resource information in at least one account belonging to the target user based on the collateral resource location information in the resource configuration request; verify the resource information in at least one account belonging to the target user with the institution node; and determine that the resource information in at least one account belonging to the target user is collateralizable resource information matching the target user when the institution node verifies it.

11. The apparatus of claim 10, wherein, The information processing module is further configured to query the market value of different types of collateralizable resource information in the collateralizable resource information to the institutional node respectively, and obtain the market value corresponding to the different types of collateralizable resource information respectively; and determine the collateralization ratio parameter corresponding to the different types of collateralizable resource information based on the market value of the different types of collateralizable resource information and the financing amount corresponding to the resource allocation request.

12. The apparatus of claim 9, wherein, The information processing module is further configured to send a query request to the resource configuration node corresponding to the resource configuration request based on the different types of collateralizable resources in the collateralizable resource information; and to obtain the interest rate parameters and corresponding associated information sent by the resource configuration node, wherein the associated information includes repayment method information, repayment time information and liquidation threshold information that match the interest rate parameters.

13. The apparatus of claim 9, wherein, The information processing module is further configured to: determine the single resource allocation interest corresponding to the single collateral resource based on the loan-to-value ratio parameter and interest rate parameter corresponding to the single collateral resource among the different types of collateral resources; determine the single resource allocation interest corresponding to the different types of collateral resources in the collateral resource information based on the resource allocation quota information and the single resource allocation interest; and sum the single resource allocation interest corresponding to the different types of collateral resources to determine the resource allocation interest matching the collateral resource.

14. The apparatus of claim 12, wherein, The information processing module is further configured to determine billing information matching the target user based on the repayment method information, repayment time information, and resource allocation interest matching the collateralized resources that match the interest rate parameters; and to push the corresponding billing information to the target user through the communication method reserved by the target user.

15. The apparatus of claim 9, wherein, The information processing module is further configured to receive data synchronization requests from other nodes in the blockchain network; in response to the data synchronization requests, verify the permissions of the other nodes; when the permissions of the other nodes are verified, control the current node to synchronize data with the other nodes, so that the other nodes can obtain user identifiers, resource allocation interest corresponding to the user identifiers, and corresponding collateralizable resource information.

16. The apparatus of claim 9, wherein, The information processing module is further configured to, when the permission information matches the user identifier, obtain the corresponding resource allocation interest and the corresponding collateralizable resource information in the blockchain network; in response to the query request, push the obtained cursor information and the resource allocation interest and the corresponding collateralizable resource information corresponding to the user identifier to the corresponding client, so that the client can obtain the resource allocation interest and the corresponding collateralizable resource information corresponding to the user identifier stored in the blockchain network.

17. An electronic device, comprising: The electronic device includes: Memory, used to store executable instructions; A processor, when executing executable instructions stored in the memory, implements the resource allocation interest processing method according to any one of claims 1 to 8.

18. A computer-readable storage medium storing executable instructions, wherein the instructions, when executed by a processor, cause the processor to perform operations comprising: When the executable instructions are executed by the processor, they implement the resource allocation interest processing method according to any one of claims 1 to 8.

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