Resource processing method and system based on blockchain

Abstract

The embodiment of this specification provides a resource processing method and system based on blockchain, wherein the resource processing method based on blockchain is applied to a resource processing system, wherein the system includes a resource processor, an off-chain resource provider, and an on-chain resource receiver, wherein the off-chain resource provider sends a resource transfer request to the resource processor, wherein the resource transfer request carries the attribute information of the resource to be processed and the on-chain resource receiver; the resource processor, based on the resource transfer request, determines the pre-stored on-chain resources stored in the blockchain by the off-chain resource provider through the resource processor, and when the pre-stored on-chain resources are greater than or equal to the resource to be processed, determines the on-chain resource receiver based on the attribute information of the on-chain resource receiver, determines the resource to be processed from the pre-stored on-chain resources of the blockchain, and sends the resource to be processed to the on-chain resource receiver. Resource conversion between the off-chain resource provider and the on-chain resource receiver is realized.

Description

Technical Field

[0001] The embodiments of this specification relate to the field of blockchain technology, and in particular to a resource processing method based on blockchain. Background Art

[0002] With the continuous development of Internet technology and blockchain technology, financial institutions in different regions can realize cross-border remittance operations through Internet technology or blockchain technology. For example, many financial institutions in different regions will realize cross-border remittance operations between each other through the cross-border remittance network built by Internet technology, that is, the off-chain remittance model; or, financial institutions in different regions will realize cross-border remittance operations between each other based on blockchain technology, that is, the on-chain remittance model.

[0003] In this case, when a financial institution adopting an off-chain remittance model needs to conduct cross-border remittance operations with a financial institution adopting an on-chain remittance model, due to the large differences in the information flow or capital flow of the two remittance models, the financial institution adopting the off-chain remittance model cannot be directly connected to the financial institution adopting the on-chain remittance model, resulting in the inability to conduct cross-border remittance operations between the two. Summary of the invention

[0004] In view of this, the embodiments of this specification provide a resource processing method based on blockchain. One or more embodiments of this specification also involve a resource processing system based on blockchain, a computing device, a computer-readable storage medium and a computer program to solve the technical defects existing in the prior art.

[0005] According to a first aspect of the embodiments of this specification, a resource processing method based on blockchain is provided, which is applied to a resource processing system, wherein the system includes a resource processor, an off-chain resource provider, and an on-chain resource receiver, wherein:

[0006] The off-chain resource provider sends a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver;

[0007] The resource processor determines, based on the resource transfer request, the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor,

[0008] In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver,

[0009] The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource recipient.

[0010] According to a second aspect of the embodiments of this specification, a resource processing system is provided, including a resource processing party, an off-chain resource provider, and an on-chain resource receiver, wherein:

[0011] The off-chain resource provider is configured to send a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver;

[0012] The resource processor is configured to determine, based on the resource transfer request, the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor,

[0013] In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver,

[0014] The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource recipient.

[0015] According to a third aspect of an embodiment of this specification, a computing device is provided, including:

[0016] Memory and processor;

[0017] The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions. When the computer-executable instructions are executed by the processor, the steps of the above-mentioned blockchain-based resource processing method are implemented.

[0018] According to a fourth aspect of an embodiment of this specification, a computer-readable storage medium is provided, which stores computer-executable instructions, which, when executed by a processor, implement the steps of the above-mentioned blockchain-based resource processing method.

[0019] According to a fifth aspect of the embodiments of this specification, a computer program is provided, wherein when the computer program is executed in a computer, the computer is caused to execute the steps of the above-mentioned blockchain-based resource processing method.

[0020] The blockchain-based resource processing method provided in the embodiments of this specification is applied to a resource processing system, wherein the system includes a resource processor, an off-chain resource provider, and an on-chain resource receiver, wherein the off-chain resource provider sends a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver; the resource processor determines, based on the resource transfer request, the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor, and when the pre-stored on-chain resources are greater than or equal to the resource to be processed, determines the on-chain resource receiver based on the attribute information of the on-chain resource receiver, determines the resource to be processed from the pre-stored on-chain resources of the blockchain, and sends the resource to be processed to the on-chain resource receiver.

[0021] Specifically, the blockchain-based resource processing method, when the resource processing party receives a resource transfer request sent by the off-chain resource provider, determines the resources to be processed from the pre-stored on-chain resources of the off-chain resource provider in the blockchain, and sends the resources to be processed to the on-chain resource recipient in the blockchain, thereby avoiding the problem of being unable to directly connect due to the large difference in information flow or capital flow between the two, and realizing the resource transfer operation between the off-chain resource provider and the on-chain resource recipient. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 This is a flowchart of a resource processing method based on blockchain provided by an embodiment of this specification;

[0023] Figure 2A It is a flowchart of a process of currency exchange operation performed by a resource processing method based on blockchain provided in one embodiment of this specification;

[0024] Figure 2B It is a flowchart of a process of performing cross-border remittance operations using a resource processing method based on blockchain provided in one embodiment of this specification;

[0025] Figure 3 It is a structural diagram of a resource processing system provided by an embodiment of this specification;

[0026] Figure 4 It is a structural block diagram of a computing device provided by an embodiment of this specification. DETAILED DESCRIPTION

[0027] Many specific details are described in the following description to facilitate a full understanding of this specification. However, this specification can be implemented in many other ways than those described herein, and those skilled in the art can make similar generalizations without violating the connotation of this specification, so this specification is not limited to the specific implementation disclosed below.

[0028] The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms of "a", "said" and "the" used in one or more embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and / or" used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items.

[0029] It should be understood that although the terms first, second, etc. may be used to describe various information in one or more embodiments of this specification, this information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first may also be referred to as the second, and similarly, the second may also be referred to as the first. Depending on the context, the word "if" as used herein may be interpreted as "at the time of" or "when" or "in response to determining".

[0030] First, the terms involved in one or more embodiments of this specification are explained.

[0031] Blockchain: It is a special distributed database technology that is suitable for storing simple, chronological data that can be verified within the system. It uses cryptography and consensus algorithms to ensure that the data cannot be tampered with or forged.

[0032] Cross-border remittance: refers to the service of individuals / enterprises making foreign exchange remittances within the prescribed limit to recipient individuals / enterprises that have opened accounts in banks in other countries.

[0033] On-chain and off-chain remittances: There are two remittance modes for cross-border remittances. One is the remittance mode based on the SWIFT network, that is, the off-chain remittance mode; the other is the remittance mode based on the blockchain network, that is, the on-chain remittance mode.

[0034] Smart contract: A computer protocol designed to communicate, verify or execute contracts in an information-based manner.

[0035] SWIFT: International funds clearing system.

[0036] With the continuous development of Internet technology and blockchain technology, financial institutions in different countries can realize cross-border remittance operations through Internet technology or blockchain technology. There are two remittance modes for the cross-border remittance operations provided in this manual. One is a remittance mode based on the remittance network, that is, the off-chain remittance mode. The remittance network can be the SWIFT network; the other is a remittance mode based on the blockchain network, that is, the on-chain remittance mode. Many Internet financial institutions can include the above two remittance modes, but the originating institutions (i.e., remitting institutions) of Internet financial institutions mostly adopt the off-chain remittance mode, and the receiving institutions (i.e., remitting institutions) mostly adopt the on-chain remittance mode. Among them, the originating institution can be understood as the institution that needs to remit funds in the cross-border remittance operation; the receiving institution can be understood as the institution that needs to receive the remitted funds in the cross-border remittance operation.

[0037] Due to the large differences in information flow / capital flow between the above two remittance modes, the off-chain originating institution (the originating institution adopting the off-chain remittance mode) and the on-chain receiving institution (the receiving institution adopting the on-chain remittance mode) cannot be directly connected, and thus cannot provide cross-border remittance services.

[0038] Based on this, in this specification, a resource processing method based on blockchain is provided. This specification also involves a resource processing system based on blockchain, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

[0039] See also Figure 1 , Figure 1 A flowchart of a blockchain-based resource processing method provided according to an embodiment of the present specification is shown. The blockchain-based resource processing method is applied to a resource processing system, and the system includes a resource processor, an off-chain resource provider, and an on-chain resource receiver; the blockchain-based resource processing method specifically includes the following steps.

[0040] Step 102: The off-chain resource provider sends a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver;

[0041] Among them, the blockchain can be a consortium chain, in which multiple member parties are registered. The resource can be understood as funds, and the off-chain resource provider can be understood as an off-chain remittance institution that adopts an off-chain remittance model, for example, banks, enterprises, etc. that adopt an off-chain remittance model, that is, an off-chain originating institution. The on-chain resource receiver can be understood as an on-chain receiving institution that adopts an on-chain remittance model, for example, banks, enterprises, etc. that adopt an on-chain remittance model, that is, an on-chain receiving institution. In practical applications, the on-chain resource receiver is a member party registered in the blockchain. The resource processor can be understood as an institution that enables off-chain remittance institutions and off-chain originating institutions to perform remittance operations, for example, liquidity providers in the remittance network provided by Internet financial institutions, etc. In actual applications, the remittance operation can be a cross-border remittance operation. The liquidity provider can be understood as an institution in the remittance network that can perform cross-border remittance, currency exchange and other operations. The remittance network can be understood as a network that can connect the off-chain originating institution with the on-chain receiving institution; through the remittance network, the off-chain originating institution and the on-chain receiving institution can perform cross-border remittance operations.

[0042] The resource transfer request can be understood as a remittance request, such as a cross-border remittance request, a domestic remittance request, etc. The pending resource can be understood as the amount that the off-chain remittance institution needs to remit. For example, 10,000 yuan, 100,000 yuan, etc. In the case where the on-chain resource recipient is an on-chain payment institution, the attribute information of the on-chain resource recipient includes but is not limited to the ID, name, number and other information of the on-chain payment institution.

[0043] Specifically, the on-chain resource provider of the resource processing system, when a resource transfer operation is required, can determine the attribute information of the on-chain resource receiver, and based on the attribute information of the on-chain resource receiver and the resources to be processed, generate a resource transfer request, and send the resource transfer request to the resource processor.

[0044] The following uses the blockchain-based resource processing method provided in this specification as an example of applying it to a cross-border remittance scenario to further explain the resource transfer request sent by the off-chain resource provider to the resource processor. Among them, the off-chain resource provider is the off-chain remittance party that adopts the off-chain remittance mode, the on-chain resource receiver is the on-chain remittance party that adopts the on-chain remittance mode, the resource processor is the liquidity provider in the remittance network, the resource transfer request is a cross-border remittance request, the resource to be processed is the remittance amount, and the attribute information of the on-chain resource receiver is the name of the on-chain remittance party.

[0045] Based on this, when the off-chain remittance party needs to conduct cross-border remittance operations with the on-chain remittance party, it needs to determine the name of the on-chain remittance party, generate a cross-border remittance request based on the name of the on-chain remittance party and the remittance amount, and send the cross-border remittance request to the liquidity provider via the remittance network.

[0046] In the embodiment provided in this specification, the off-chain remittance party can determine the need to perform a cross-border remittance operation with the on-chain remittance party when receiving a cross-border remittance request sent by a user. Among them, the cross-border remittance request sent by the user contains the amount that the user needs to remit, and the name of the on-chain remittance party that receives the remitted amount. The subsequent off-chain remittance party can generate a cross-border remittance request based on the remittance amount and the name of the on-chain remittance party.

[0047] In the embodiments provided in this specification, the resource processing method based on the blockchain provides a resource transfer method between the off-chain resource provider and the on-chain resource receiver based on the resource processor, which can also be called an agent on-chain remittance mode. The agent on-chain remittance mode is to connect the off-chain sending institution with the on-chain receiving institution through the resource processor to the remittance transaction agent on the chain, so as to complete the entire remittance transaction. At the same time, the agent on-chain remittance mode adopts the advance payment method, which means that before the resource transfer operation is performed between the off-chain resource provider and the on-chain resource receiver, the off-chain resource provider needs to advance the resources that need to be transferred in the resource transfer operation to the resource processor in advance, and the resource processor needs to convert the resources advanced by the off-chain resource provider into resources on the blockchain. Thereby, the subsequent resource processor can quickly perform the resource transfer operation when receiving the resource transfer request sent by the resource processor, thereby improving the efficiency of resource transfer. The specific implementation method includes steps one to two.

[0048] Step 1: The off-chain resource provider sends a resource conversion request to the resource processor, wherein the resource conversion request carries the resource to be converted and the type of the resource to be converted;

[0049] Among them, the resource conversion request can be understood as a request to convert the resources paid in advance by the off-chain resource provider into on-chain resources, for example, a currency exchange request.

[0050] The resource to be converted can be understood as the amount that needs to be converted, and correspondingly, the type of resource to be converted can be understood as the type of funds that need to be converted. For example, in a cross-border remittance scenario, when bank a (off-chain resource provider) in country A needs to make a cross-border remittance operation to bank b (on-chain resource receiver) in country B, in order to improve the efficiency of cross-border remittance operations, the remittance network needs to convert the currency (the currency type is A1 currency type) pre-paid by bank a and used in country A into the currency of B1 currency type used in country B. Based on this, the off-chain resource provider needs to carry the resource to be converted and the type of resource to be converted in the resource conversion request sent to the resource processor.

[0051] Using the above example, the resource conversion request is a currency exchange request, the amount of the funds to be exchanged that need to be exchanged for the resources to be converted, and the type of resources to be converted is the currency type that the funds to be exchanged need to be converted into. Based on this, before the off-chain remittance party performs a cross-border remittance operation, it needs to send a currency exchange request to the liquidity provider in the remittance network through the remittance network. The currency exchange request carries the amount of the funds to be exchanged that the off-chain remittance party needs to perform a currency exchange operation, and the amount of the funds to be exchanged can be 10,000. At the same time, it also carries the currency type that the funds to be exchanged need to be converted into. For example, the currency type of the funds to be exchanged can be the A1 currency type commonly used in country A, and the currency type that the funds to be exchanged need to be converted into can be the B1 currency type commonly used in country B.

[0052] Step 2: The resource processor, based on the resource conversion request, determines the resource to be converted from the pre-stored resources and converts the resource to be converted into a pre-stored on-chain resource corresponding to the type of resource to be converted when it is determined that the pre-stored resources of the off-chain resource provider are greater than or equal to the resource to be converted.

[0053] The pre-stored resources can be understood as the funds pre-stored by the off-chain resource provider in the resource processor, for example, the off-chain remitter advances the funds to the liquidity provider in the remittance network. The pre-stored on-chain resources can be understood as the resources pre-stored on the blockchain by the off-chain resource provider, and the pre-stored on-chain resources are obtained by the resource processor after processing the funds of the off-chain remitter.

[0054] Specifically, when the resource processor receives a resource conversion request sent by the off-chain resource provider, it determines the pre-stored resources pre-stored by the off-chain resource provider based on the resource conversion request. When the pre-stored resources are greater than or equal to the resources to be converted that the off-chain resource provider needs to convert, it determines the resources to be converted from the pre-stored resources and converts the resources to be converted into pre-stored on-chain resources corresponding to the type of resources to be converted.

[0055] In the embodiment of this specification, the resource processing method provided in the embodiment of this specification has a cooperating bank for storing the advance payment of the off-chain remitter. Based on this, when the liquidity provider in the remittance network needs to perform a currency exchange operation, the advance payment of the off-chain remitter can be obtained from the cooperating bank for the origination, and the advance payment can be exchanged. The off-chain remitter also needs to send the advance payment to the cooperating bank for the origination before the liquidity provider needs to perform a currency exchange operation. The specific implementation method is as follows.

[0056] The resource processor, based on the resource conversion request, determines the resource to be converted from the pre-stored resources when it is determined that the pre-stored resources of the off-chain resource provider are greater than or equal to the resource to be converted, including:

[0057] The resource processing party determines, based on the resource conversion request, the pre-stored resources stored by the off-chain resource provider in the off-chain resource storage party;

[0058] When it is determined that the pre-stored resource is greater than or equal to the resource to be converted, the resource to be converted is obtained from the pre-stored resource stored by the off-chain resource storage party.

[0059] Among them, the off-chain resource storage party can be understood as an institution that stores the pre-stored resources of the off-chain resource storage party, such as a bank, financial institution, etc.

[0060] Continuing with the above example, the off-chain resource storage party is the originating cooperative bank. Based on this, when the liquidity provider in the remittance network receives a currency exchange request sent by the off-chain remitter, the liquidity provider can determine the amount of advance payment stored by the off-chain remitter from the originating cooperative bank (the advance payment is 1 million), and when it is determined that the advance payment is greater than or equal to the amount of funds to be exchanged in the currency exchange request (100,000), the liquidity provider obtains the funds to be exchanged from the advance payment stored in the originating cooperative bank.

[0061] In actual applications, obtaining the resources to be converted from the pre-stored resources stored by the off-chain resource storage party can be understood as the liquidity provider obtaining the funds to be exchanged from the advance payment stored in the originating cooperative bank, or the originating cooperative bank determines the funds to be exchanged from the advance payment and sends the funds to be exchanged to the liquidity provider.

[0062] In the embodiment of this specification, the resource processing party determines the pre-stored resources stored by the off-chain resource provider in the off-chain resource storage party based on the resource conversion request, and obtains the to-be-converted resources from the pre-stored resources stored by the off-chain resource storage party when it is determined that the pre-stored resources are greater than or equal to the to-be-converted resources. This facilitates the subsequent conversion of the to-be-converted resources into pre-stored on-chain resources, further improving the efficiency of subsequent resource transfer operations.

[0063] In the embodiment of this specification, the implementation process of the off-chain remittance party sending the advance payment to the originating cooperative bank is as follows.

[0064] Before determining the pre-stored resources stored by the off-chain resource storage party by the off-chain resource provider based on the resource conversion request, the method further includes:

[0065] The off-chain resource provider sends the pre-stored resources to the off-chain resource storage party for storage.

[0066] Continuing with the above example, before the off-chain remittance party sends a currency exchange request to the liquidity provider through the remittance network, it will determine in advance the advance payment to the originating partner bank, which may be 1 million, and send the 1 million advance payment to the receiving partner bank for storage, where the currency type of the 1 million advance payment may be A1 currency type.

[0067] In the embodiment of this specification, converting the resource to be converted into a pre-stored on-chain resource corresponding to the type of the resource to be converted includes:

[0068] The resource processor converts the resource to be converted into a resource to be uploaded to the chain corresponding to the type of the resource to be converted according to the resource conversion rule.

[0069] Determine module attribute information of an on-chain resource processing module in the blockchain, wherein the on-chain resource processing module is a module of the resource processor that performs resource processing in the blockchain,

[0070] Determine a corresponding resource conversion party based on the type of the resource to be converted, and send the module attribute information and the resource to be uploaded to the resource conversion party;

[0071] The resource converter receives the module attribute information and the resources to be uploaded to the chain sent by the resource processor,

[0072] Determine the pre-stored on-chain resources based on the resources to be on-chain, and send the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information.

[0073] The resource conversion rule can be understood as an exchange rate. In practical applications, the resource conversion rule is determined based on the resource type of the resource to be transferred and the resource type to be transferred. The resource to be transferred can be understood as a resource that needs to be converted into a pre-stored on-chain resource.

[0074] Converting the resources to be converted into resources to be put on the chain corresponding to the type of resources to be converted can be understood as the resource converter converting the resources to be converted into resources corresponding to the type of resources to be converted, and using the resources as resources to be put on the chain; for example, after the liquidity provider obtains the funds to be exchanged (the type of funds is A1 currency type) and the currency type (B1 currency type) that the funds to be exchanged need to be converted into, the liquidity provider converts the A1 currency type funds to be exchanged into B1 currency type funds, and uses the B1 currency type funds as funds that need to be stored on the blockchain.

[0075] In the case where the resource processor is a liquidity provider in the remittance network, the on-chain resource processing module can be understood as the module of the liquidity provider responsible for remittance processing on the blockchain, also known as the on-chain liquidity provider, the liquidity provider on the blockchain. In actual applications, the liquidity provider is registered as a member of the blockchain. The module attribute information of the on-chain resource processing module includes but is not limited to the name, ID, number, etc. of the on-chain liquidity provider.

[0076] The resource converter can be understood as an institution that can convert the received funds into on-chain funds, such as banks, financial institutions, etc.

[0077] Specifically, after the resource processor obtains the resources to be converted that the off-chain resource provider needs to convert, it converts the resources to be converted into resources corresponding to the type of resources to be converted according to the resource conversion rules, and uses the resources as the resources to be on-chain. After that, the resource processor determines the module attribute information of the on-chain resource processing module that performs resource processing in the blockchain, and determines the corresponding resource converter based on the type of resources to be converted. For example, when the type of resource to be converted is the B1 currency type used by country B, the resource converter corresponding to the B1 currency type is determined; when the type of resource to be converted is the C1 currency type used by country C, the resource converter corresponding to the C1 currency type is determined.

[0078] The module attribute information and the resources to be on-chain are sent to the resource converter through the off-chain remittance mode.

[0079] The resource converter receives the module attribute information and the resources to be on the chain sent by the resource processor, determines the pre-stored on-chain resources based on the resources to be on the chain, and sends the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information.

[0080] Using the above example, the resource conversion rule is the exchange rate, the on-chain resource processing module is the on-chain liquidity provider, and the resource converter is the receiving end cooperative bank. Based on this, the liquidity provider in the remittance network, after obtaining the funds to be exchanged provided by the off-chain remittance method, determines the exchange rate between the currency of the A1 currency type and the currency of the B1 currency type based on the currency type of the funds to be exchanged (A1 currency type) and the type of resources to be converted (B1 currency type), and converts the funds to be exchanged into funds of the B1 currency type according to the exchange rate; and uses the funds of the B1 currency type as the funds that need to be operated on the chain. Among them, converting the funds to be exchanged into funds of the B1 currency type according to the exchange rate can be understood as the liquidity provider, after obtaining the funds to be converted, converts the funds to be converted into funds of the corresponding amount of the currency type of the B1 currency type according to the exchange rate and the funds of the B1 currency type stored by the liquidity provider itself.

[0081] After the liquidity provider determines the funds to be put on the chain, the liquidity provider determines the name of the liquidity provider on the chain registered in the blockchain, and determines the receiving cooperative bank that can convert the funds of the B1 currency type into funds on the chain through the type of resources to be converted (B1 currency type). Then, the funds to be put on the chain and the name of the liquidity provider on the chain are sent to the receiving cooperative bank through off-chain remittance.

[0082] After receiving the funds to be put on the chain and the name of the on-chain liquidity provider, the receiving cooperative bank determines the on-chain funds corresponding to the funds to be put on the chain based on the funds to be put on the chain, and determines the on-chain liquidity provider from the blockchain according to the name of the on-chain liquidity provider, and sends the on-chain funds to the on-chain liquidity provider in the blockchain.

[0083] In the embodiments provided in this specification, the receiving cooperative bank can use currency exchange or currency issuance to determine the corresponding on-chain funds based on the funds to be put on the chain. The specific implementation of the currency issuance method is as follows.

[0084] The determining of the pre-stored on-chain resources based on the resources to be on-chain, and sending the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information, includes:

[0085] The resource converter determines an on-chain resource conversion module in the blockchain, wherein the on-chain resource conversion module is a module for the resource converter to perform resource conversion in the blockchain.

[0086] Determine the on-chain resource processing module of the resource processing party based on the module attribute information,

[0087] Based on the on-chain resource conversion module, the resource generation contract in the blockchain is called, and through the resource generation contract, on-chain resources are generated according to the resources to be on-chain, and the on-chain resources are sent to the on-chain resource processing module as pre-stored on-chain resources of the off-chain resource provider.

[0088] Among them, the resource generation contract can execute the smart contract of on-chain asset issuance. The on-chain resource conversion module can be understood as the on-chain receiving end cooperative bank. In actual applications, the receiving end cooperative bank is also a member party registered on the blockchain. Based on the fact that the receiving end cooperative bank has a corresponding on-chain receiving end cooperative bank in the blockchain, the on-chain receiving end cooperative bank can perform operations such as fund transfer (i.e. transfer) and on-chain fund issuance on the blockchain. Based on this, when the resource conversion party is the receiving end cooperative bank, the on-chain resource conversion module can be understood as the on-chain receiving end cooperative bank corresponding to the receiving end cooperative bank on the blockchain.

[0089] Specifically, after receiving the resources to be put on the chain and the module attribute information sent by the resource processing party, the resource conversion party first determines its own corresponding on-chain resource conversion module on the blockchain, and determines the corresponding on-chain resource processing module from the blockchain based on the received module attribute information.

[0090] Afterwards, the resource converter calls the resource generation contract pre-deployed in the blockchain based on the on-chain resource conversion module, and generates on-chain resources according to the resources to be on-chain through the resource generation contract in the blockchain, and sends the on-chain resources to the on-chain resource processing module as the pre-stored on-chain resources of the off-chain resource provider.

[0091] Continuing with the above example, the resource generation contract can be an asset issuance contract. Based on this, after the receiving-end cooperative bank receives the funds to be on-chain and the identifier of the on-chain liquidity provider sent by the liquidity provider through an off-chain remittance method, the receiving-end cooperative bank first needs to determine its own corresponding on-chain receiving-end cooperative bank in the blockchain, and determine the corresponding on-chain liquidity provider from the blockchain based on the identifier of the on-chain liquidity provider.

[0092] Afterwards, the receiving cooperative bank calls the asset issuance contract pre-deployed in the blockchain through the on-chain receiving cooperative bank, and based on the asset issuance contract, issues the corresponding on-chain funds according to the funds to be on-chain received by the receiving cooperative bank. The issued on-chain funds are sent to the on-chain liquidity provider as the pre-deposited on-chain funds of the off-chain remitter in the blockchain.

[0093] Furthermore, the receiving partner bank determines the on-chain funds through currency exchange in the following specific implementation methods.

[0094] The determining of the pre-stored on-chain resources based on the resources to be on-chain, and sending the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information, includes:

[0095] The resource converter determines an on-chain resource from the blockchain, wherein the on-chain resource is a resource stored in the blockchain by the resource converter, and the type of the on-chain resource is the same as the type of the resource to be converted,

[0096] In the case where it is determined that the on-chain resource is greater than or equal to the resource to be on-chain, the on-chain resource processing module of the resource processing party is determined based on the module attribute information,

[0097] Based on the on-chain resource conversion module in the blockchain, the target on-chain resource corresponding to the resource to be on-chain is determined from the on-chain resources, and the target on-chain resource is sent to the on-chain resource processing module as the pre-stored on-chain resource of the off-chain resource provider.

[0098] The on-chain resources are resources pre-stored in the blockchain by the resource converter.

[0099] Continuing with the above example, after receiving the remittance from the liquidity provider, the receiving cooperative bank determines the on-chain funds stored on the blockchain from the blockchain. The currency type of the on-chain funds is the same as the currency type of the funds to be on the chain. The currency type of the funds to be on the chain is the currency type that the advance payment needs to be converted into (B1 currency type).

[0100] Compare the size of the on-chain funds with the funds to be put on the chain. When it is determined that the on-chain funds are greater than or equal to the funds to be put on the chain, the receiving-end cooperative bank determines the on-chain liquidity provider from the blockchain based on the name of the on-chain liquidity provider sent by the liquidity provider. Among them, the receiving-end cooperative bank can be a member registered on the blockchain, so the process of the receiving-end cooperative bank putting the funds to be put on the chain can be executed by the on-chain receiving-end cooperative bank corresponding to the receiving-end cooperative bank in the blockchain. Therefore, the on-chain receiving-end cooperative bank determines the on-chain funds corresponding to the funds to be put on the chain from the on-chain funds stored in the blockchain, and sends the on-chain funds corresponding to the funds to be put on the chain as the funds pre-stored in the blockchain by the off-chain remitter to the on-chain liquidity provider.

[0101] Step 104: The resource processor, based on the resource transfer request, determines the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor.

[0102] In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver,

[0103] The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource recipient.

[0104] Specifically, when the resource processor receives a resource transfer request sent by an off-chain resource provider, it can determine the pre-stored on-chain resources stored on the blockchain by the off-chain resource provider based on the resource transfer request, and the pre-stored on-chain resources are stored on the blockchain by the resource processor. After that, the resource processor compares the pre-stored on-chain resources with the resources to be processed. When the pre-stored on-chain resources are greater than or equal to the resources to be processed, it determines that the pre-stored on-chain resources of the off-chain resource provider are sufficient to satisfy the resource transfer operation. Therefore, based on the attribute information of the on-chain resource receiver, the on-chain resource receiver is determined from the blockchain, and the to-be-processed resources are determined from the pre-stored on-chain resources of the blockchain, and the to-be-processed resources are sent to the on-chain resource receiver, thereby completing the resource transfer operation between the off-chain resource provider and the on-chain resource receiver.

[0105] In the embodiment provided in this specification, the resource processor is a member party registered on the blockchain, and the resource processor has a corresponding on-chain resource processing module on the blockchain, so the resource processor can implement the resource processing in the blockchain based on the on-chain resource processing module. Based on this, the determination of the resource to be processed from the pre-stored on-chain resources of the blockchain and sending the resource to be processed to the on-chain resource receiver includes:

[0106] The resource processing party determines an on-chain resource processing module in the blockchain,

[0107] Based on the on-chain resource processing module, the resources to be processed are determined from the pre-stored on-chain resources of the blockchain, and the resources to be processed are sent to the on-chain resource recipient on the blockchain through a resource sending contract.

[0108] Among them, the smart sending contract can be understood as a smart contract pre-deployed on the blockchain for on-chain remittance transactions, that is, an on-chain remittance transaction smart contract.

[0109] Specifically, after determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver, the resource processor can determine the corresponding on-chain resource processing module in the blockchain, and based on the on-chain resource processing module, determine the resources to be processed from the pre-stored on-chain resources stored in the blockchain by the off-chain resource provider, and call the resource sending contract deployed in the blockchain, and send the resources to be processed to the on-chain resource receiver on the blockchain based on the resource sending contract.

[0110] Continuing with the above example, after the liquidity provider determines the corresponding on-chain payee based on the name of the on-chain payee, it can call the corresponding on-chain liquidity provider in the blockchain, and based on the liquidity provider, determine the remittance funds from the funds pre-stored in the blockchain by the off-chain remitter, and call the on-chain remittance transaction smart contract deployed in the blockchain, and send the remittance funds to the on-chain payee on the blockchain based on the on-chain remittance transaction smart contract.

[0111] In one embodiment of this specification, the on-chain resource receiver has a corresponding off-chain resource receiver, which is a member registered on the blockchain. Based on this, when the on-chain resource receiver receives the pending resources sent by the resource processor, it can notify the off-chain resource receiver. Subsequently, the off-chain resource receiver can withdraw the pending resources. The specific implementation method is as follows.

[0112] After determining the to-be-processed resource from the pre-stored on-chain resources of the blockchain and sending the to-be-processed resource to the on-chain resource receiver, the method further includes:

[0113] The on-chain resource receiver stores the to-be-processed resources in the on-chain resource conversion module in the blockchain, and sends a resource storage notification to the corresponding off-chain resource receiver;

[0114] The off-chain resource receiver obtains the to-be-processed resource from the on-chain resource conversion module on the blockchain based on the resource storage notification.

[0115] Specifically, after the on-chain resource receiver receives the unprocessed resources sent by the resource processor, the on-chain resource receiver can store the unprocessed resources in the on-chain resource conversion module in the blockchain, wherein the on-chain resource conversion module can store the unprocessed resources sent by the on-chain resource receiver and withdraw the unprocessed resources.

[0116] After storing the resources to be processed in the on-chain resource conversion module, the on-chain resource receiver sends a resource storage notification to the corresponding off-chain resource receiver; the off-chain resource receiver obtains the resources to be processed from the on-chain resource conversion module on the blockchain based on the resource storage notification.

[0117] Furthermore, storing the resources to be processed in the on-chain resource conversion module includes:

[0118] The on-chain resource receiver determines a resource extraction contract from the blockchain, wherein the resource extraction contract is a contract for resource extraction in the blockchain,

[0119] Based on the resource extraction contract, the resources to be processed are sent to the on-chain resource conversion module for storage.

[0120] Using the above example, the resource extraction contract can be a smart contract pre-deployed in the blockchain for asset withdrawal. Based on this, after receiving the remittance sent by the on-chain liquidity provider, the on-chain payee can call the asset withdrawal smart contract pre-stored in the blockchain, and withdraw the remittance sent by the on-chain liquidity provider to the on-chain receiving end cooperative bank in the blockchain based on the asset withdrawal smart contract.

[0121] Furthermore, the off-chain resource receiver obtains the to-be-processed resource from the on-chain resource conversion module on the blockchain based on the resource storage notification, including:

[0122] The off-chain resource receiver sends a resource extraction request to the resource converter based on the resource storage notification, wherein the resource extraction request carries the resource to be extracted;

[0123] The resource converter determines the on-chain resource receiver corresponding to the off-chain resource receiver based on the received resource extraction request, and determines the to-be-processed resources stored by the on-chain resource receiver in the on-chain resource conversion module.

[0124] In the case where it is determined that the resource to be processed is greater than or equal to the resource to be extracted, determining the resource to be extracted from the off-chain storage resources, wherein the off-chain storage resources are resources stored by the resource conversion party;

[0125] The resources to be extracted in the off-chain storage resources are sent to the off-chain resource receiver, and the resources corresponding to the resources to be extracted in the to-be-processed resources are deducted.

[0126] Following the above example, after receiving the fund storage notification sent by the off-chain payee, the off-chain payee learns that the receiving end cooperative bank has funds to be withdrawn. Based on this, the off-chain payee can send a fund withdrawal request to the receiving end cooperative bank based on the fund storage notification, and the request carries the funds to be withdrawn. When the resource converter receives the fund withdrawal request sent by the off-chain payee, it determines the on-chain payee corresponding to the off-chain payee in the blockchain based on the fund withdrawal request, and determines the funds stored by the on-chain payee in the on-chain receiving end cooperative bank. When the funds are greater than or equal to the funds to be withdrawn carried in the fund withdrawal request, the receiving end cooperative bank determines the funds corresponding to the funds to be withdrawn from its own stored funds, and sends the funds to the off-chain payee through off-chain remittance. The receiving end cooperative bank is notified to delete the off-chain funds corresponding to the funds to be withdrawn stored in the on-chain receiving end cooperative bank, thereby realizing the withdrawal operation of the off-chain payee on the funds to be processed. Among them, the off-chain payee can be understood as the receiving institution.

[0127] In the embodiments provided in this specification, the blockchain-based resource processing method, when the resource processing party receives a resource transfer request sent by the off-chain resource provider, determines the resources to be processed from the pre-stored on-chain resources of the off-chain resource provider in the blockchain, and sends the resources to be processed to the on-chain resource recipient in the blockchain, thereby avoiding the problem of being unable to connect directly due to the large difference in information flow or capital flow between the two parties, and realizing the resource transfer operation between the off-chain resource provider and the on-chain resource recipient.

[0128] The following combination Figure 2A , Figure 2B , taking the application of the resource processing method based on blockchain provided in this specification in the cross-border remittance scenario as an example, the resource processing method based on blockchain is further explained. Among them, Figure 2A A flowchart of a process for performing currency exchange operations using a resource processing method based on blockchain provided in one embodiment of this specification is shown. Figure 2B The following is a flowchart showing a process of performing cross-border remittance operations using a resource processing method based on blockchain provided by an embodiment of this specification. Figure 2A , Figure 2BIt can be seen that the blockchain-based resource processing provided in this specification includes liquidity providers, receiving end cooperative banks, and receiving end institutions. The liquidity providers, receiving end cooperative banks, and receiving end institutions are all registered as blockchain members. Therefore, the liquidity providers have corresponding on-chain liquidity providers in the blockchain, the receiving end institutions have corresponding on-chain receiving end institutions in the blockchain, and the receiving end cooperative banks have corresponding receiving end cooperative banks in the blockchain. At the same time, the blockchain-based resource processing provided in this specification can realize currency exchange operations and cross-border remittance operations, wherein the currency exchange operation refers to the liquidity provider converting the funds pre-paid by the originating institution through the on-chain remittance method into on-chain funds, and the cross-border remittance operation refers to the liquidity provider based on the cross-border remittance request sent by the originating institution using the off-chain remittance module, to the receiving end institution using the on-chain remittance module. In addition, in the process of currency exchange and cross-border remittance operations, three blockchain smart contracts need to be pre-deployed on the blockchain. The three blockchain smart contracts are the on-chain asset issuance smart contract, the on-chain remittance transaction smart contract, and the on-chain asset withdrawal smart contract. The following example uses the originating currency as the currency used by country A (A1 currency type) and the receiving currency as the currency used by country B (B1 currency type). Figure 2A The currency exchange operation specifically includes the following steps 202 to 212.

[0129] Step 202: The originating institution advances a sum of funds to the originating cooperative bank through off-chain remittance, wherein the currency type of the advance is A1 currency type.

[0130] Step 204: The originating institution sends a currency exchange transaction to the remittance network, wherein the currency exchange transaction converts the advance payment of currency type A1 into on-chain funds of currency type B1.

[0131] Step 206: The remittance network forwards the currency exchange transaction sent by the originating institution to the liquidity provider.

[0132] Step 208: Based on the exchange transaction, the liquidity provider obtains the advance payment of the originating institution from the originating partner bank, converts the advance payment of currency A1 into funds of currency B1, and sends the funds of currency B1 to the receiving partner bank through off-chain remittance.

[0133] Step 210: After receiving the funds in currency type B1, the receiving partner bank calls the asset issuance smart contract from the blockchain through the on-chain receiving partner bank in the blockchain.

[0134] Step 212: The on-chain receiving-end cooperative bank executes the asset issuance operation based on the asset issuance smart contract.

[0135] Among them, the asset issuance operation is that the on-chain receiving cooperative bank on the blockchain issues the B1 currency type funds to the on-chain liquidity provider on the blockchain.

[0136] After receiving the on-chain funds issued by the on-chain receiving partner bank, the liquidity provider will use the on-chain funds as the pre-deposited on-chain funds of the originating institution.

[0137] In actual applications, the resource processing method based on blockchain provides an agent-on-chain remittance model, in which the remittance transaction agent of the originating institution is put on the chain by the liquidity provider, so that the originating institution and the receiving institution are connected, thereby completing the entire remittance transaction. However, before the originating institution and the receiving institution conduct a remittance transaction, the liquidity provider needs to convert the funds paid in advance by the originating institution into funds on the blockchain. This enables the subsequent liquidity provider to quickly conduct cross-border remittances when receiving the cross-border remittance transaction sent by the originating institution. Based on this, after the liquidity provider converts the funds paid in advance by the originating institution into funds on the blockchain, the liquidity provider's cross-border remittance operation can be carried out. See Figure 2B The cross-border remittance operation specifically includes the following steps 214 to 234.

[0138] Step 214: The payee initiates a cross-border remittance request to the originating institution, wherein the cross-border remittance request carries the remittance amount and the payee information.

[0139] Among them, the funds of the payer are in the currency used by country A, and the funds that the payee can receive are in the B1 currency type.

[0140] Step 216: The originating institution sends the cross-border remittance transaction to the remittance network based on the cross-border remittance transaction sent by the user.

[0141] Step 218: The remittance network forwards the cross-border remittance transaction sent by the originating institution to the liquidity provider.

[0142] Step 220: The liquidity provider determines the pre-deposited on-chain funds of the originating institution, and when the amount of the pre-deposited on-chain funds is greater than or equal to the remittance amount, calls the on-chain liquidity provider to execute the on-chain remittance transaction.

[0143] Step 222: The on-chain liquidity provider determines the funds corresponding to the remittance amount from the pre-deposited on-chain funds of the originating institution, determines the on-chain receiving institution corresponding to the payee based on the payee information carried in the cross-border remittance transaction, and calls the on-chain remittance transaction smart contract to execute the on-chain remittance transaction through the funds.

[0144] Among them, the execution of the on-chain remittance transaction can be understood as the on-chain liquidity provider on the blockchain, which sends the funds corresponding to the remittance amount in the pre-deposited on-chain funds to the on-chain receiving institution on the blockchain.

[0145] Step 224: After receiving the funds sent by the on-chain liquidity provider, the on-chain receiving institution calls the on-chain asset withdrawal smart contract in the blockchain to execute the on-chain asset withdrawal operation.

[0146] Among them, executing the on-chain asset withdrawal operation can be understood as the on-chain receiving institution on the blockchain sending the funds sent by the on-chain liquidity provider to the receiving cooperative bank on the blockchain.

[0147] Step 226: After executing the on-chain asset withdrawal operation, the on-chain receiving institution sends an on-chain payment collection notification to the receiving institution.

[0148] Step 228: After receiving the on-chain payment notification sent by the on-chain receiving institution, the receiving institution advances a sum of funds to the payee.

[0149] Step 230: The receiving institution periodically sends a fund withdrawal request to the receiving partner bank based on the received on-chain payment notification.

[0150] Step 232: After receiving the fund withdrawal request, the receiving-end cooperative bank determines the funds sent by the on-chain receiving-end institution corresponding to the receiving institution through the on-chain receiving-end cooperative bank.

[0151] Step 234: When the receiving cooperative bank determines from the blockchain that the receiving institution has on-chain funds, it will use off-chain payment to send the funds to the receiving institution and deduct the on-chain funds sent by the on-chain receiving institution.

[0152] The blockchain-based resource processing method provided in this specification can achieve remittance connectivity between the off-chain originating institution and the on-chain receiving institution at a lower integration cost, solving the problem that the off-chain originating institution and the on-chain receiving institution cannot conduct cross-border transactions, thereby improving the institutional connectivity and service coverage of cross-border remittances.

[0153] Corresponding to the above method embodiment, this specification also provides a resource processing system embodiment. Figure 3 FIG. 1 shows a schematic diagram of a resource processing system provided by an embodiment of the present specification. Figure 3 As shown, the system includes a resource processor 302, an off-chain resource provider 304, and an on-chain resource receiver 306, wherein:

[0154] The off-chain resource provider 304 is configured to send a resource transfer request to the resource processor 302, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver 306;

[0155] The resource processor 302 is configured to determine, based on the resource transfer request, the pre-stored on-chain resources stored in the blockchain by the off-chain resource provider 304 through the resource processor 302,

[0156] In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, the on-chain resource receiver 306 is determined based on the attribute information of the on-chain resource receiver 306,

[0157] The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource receiver 306.

[0158] Optionally, the off-chain resource provider 304 is further configured to send a resource conversion request to the resource processor 302, wherein the resource conversion request carries the resource to be converted and the type of the resource to be converted;

[0159] The resource processor 302 is further configured to determine the resource to be converted from the pre-stored resources based on the resource conversion request, if it is determined that the pre-stored resources of the off-chain resource provider 304 are greater than or equal to the resource to be converted,

[0160] The resource to be converted is converted into a pre-stored on-chain resource corresponding to the type of the resource to be converted.

[0161] Optionally, the resource processor 302 is further configured to determine, based on the resource conversion request, the pre-stored resources stored by the off-chain resource provider 304 in the off-chain resource storage.

[0162] When it is determined that the pre-stored resource is greater than or equal to the resource to be converted, the resource to be converted is obtained from the pre-stored resource stored by the off-chain resource storage party.

[0163] Optionally, the off-chain resource provider 304 is further configured to send the pre-stored resources to the off-chain resource storage party for storage.

[0164] Optionally, the resource processor 302 is further configured to convert the resource to be converted into a resource to be uploaded corresponding to the type of the resource to be converted according to a resource conversion rule.

[0165] Determine module attribute information of an on-chain resource processing module in the blockchain, wherein the on-chain resource processing module is a module for the resource processor 302 to perform resource processing in the blockchain,

[0166] Determine a corresponding resource conversion party based on the type of the resource to be converted, and send the module attribute information and the resource to be uploaded to the resource conversion party;

[0167] The resource converter is further configured to receive the module attribute information and the resource to be uploaded sent by the resource processor 302.

[0168] Determine the pre-stored on-chain resources based on the resources to be on-chain, and send the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information.

[0169] Optionally, the resource converter is further configured to determine an on-chain resource conversion module in the blockchain, wherein the on-chain resource conversion module is a module in the blockchain used by the resource converter to perform resource conversion.

[0170] Determine the on-chain resource processing module of the resource processing party 302 based on the module attribute information,

[0171] Based on the on-chain resource conversion module, the resource generation contract in the blockchain is called, and through the resource generation contract, on-chain resources are generated according to the resources to be on-chain, and the on-chain resources are sent to the on-chain resource processing module as pre-stored on-chain resources of the off-chain resource provider 304.

[0172] Optionally, the resource converter is further configured to determine an on-chain resource from the blockchain, wherein the on-chain resource is a resource stored in the blockchain by the resource converter, and the type of the on-chain resource is the same as the type of the resource to be converted.

[0173] In the case where it is determined that the on-chain resource is greater than or equal to the resource to be on-chain, the on-chain resource processing module of the resource processing party 302 is determined based on the module attribute information,

[0174] Based on the on-chain resource conversion module in the blockchain, the target on-chain resources corresponding to the resources to be on-chain are determined from the on-chain resources, and the target on-chain resources are sent to the on-chain resource processing module as the pre-stored on-chain resources of the off-chain resource provider 304.

[0175] Optionally, the resource processor 302 is further configured to determine an on-chain resource processing module in the blockchain,

[0176] Based on the on-chain resource processing module, the resources to be processed are determined from the pre-stored on-chain resources of the blockchain, and the resources to be processed are sent to the on-chain resource receiver 306 on the blockchain through a resource sending contract.

[0177] Optionally, the on-chain resource receiver 306 is further configured to store the to-be-processed resources in an on-chain resource conversion module in the blockchain, and send a resource storage notification to a corresponding off-chain resource receiver;

[0178] The off-chain resource receiver is also configured to obtain the to-be-processed resources from the on-chain resource conversion module on the blockchain based on the resource storage notification.

[0179] Optionally, the on-chain resource receiver 306 is further configured to determine a resource extraction contract from the blockchain, wherein the resource extraction contract is a contract for extracting resources in the blockchain.

[0180] Based on the resource extraction contract, the resources to be processed are sent to the on-chain resource conversion module for storage.

[0181] Optionally, the off-chain resource receiver is further configured to send a resource extraction request to the resource converter based on the resource storage notification, wherein the resource extraction request carries the resource to be extracted;

[0182] The resource converter is further configured to determine the on-chain resource receiver 306 corresponding to the off-chain resource receiver based on the received resource extraction request, and determine the resources to be processed stored by the on-chain resource receiver 306 in the on-chain resource conversion module.

[0183] In the case where it is determined that the resource to be processed is greater than or equal to the resource to be extracted, determining the resource to be extracted from the off-chain storage resources, wherein the off-chain storage resources are resources stored by the resource conversion party;

[0184] The resources to be extracted in the off-chain storage resources are sent to the off-chain resource receiver, and the resources corresponding to the resources to be extracted in the to-be-processed resources are deducted.

[0185] The resource processing system provided in the embodiments of this specification, when the resource processing party receives a resource transfer request sent by the off-chain resource provider, determines the resources to be processed from the pre-stored on-chain resources of the off-chain resource provider in the blockchain, and sends the resources to be processed to the on-chain resource receiver in the blockchain, thereby avoiding the problem of being unable to directly connect due to the large difference in information flow or capital flow between the two parties, and realizing the resource transfer operation between the off-chain resource provider and the on-chain resource receiver.

[0186] The above is a schematic scheme of a resource processing system of this embodiment. It should be noted that the technical scheme of the resource processing system and the technical scheme of the resource processing method based on blockchain are of the same concept. For details not described in detail in the technical scheme of the resource processing system, please refer to the description of the technical scheme of the resource processing method based on blockchain.

[0187] Figure 4 The block diagram of a computing device 400 according to one embodiment of the present specification is shown. The components of the computing device 400 include but are not limited to a memory 410 and a processor 420. The processor 420 is connected to the memory 410 via a bus 430, and the database 450 is used to store data.

[0188] The computing device 400 also includes an access device 440 that enables the computing device 400 to communicate via one or more networks 460. Examples of these networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. The access device 440 may include one or more of any type of network interface (e.g., a network interface card (NIC)) wired or wireless, such as an IEEE 802.11 wireless local area network (WLAN) wireless interface, a World Wide Interoperability for Microwave Access (Wi-MAX) interface, an Ethernet interface, a universal serial bus (USB) interface, a cellular network interface, a Bluetooth interface, a near field communication (NFC) interface, and the like.

[0189] In one embodiment of the present specification, the above components of the computing device 400 and Figure 4 Other components not shown in the figure may also be connected to each other, for example, via a bus. It should be understood that Figure 4 The computing device structure block diagram shown is only for the purpose of illustration, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.

[0190] Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a netbook, etc.), a mobile phone (e.g., a smart phone), a wearable computing device (e.g., a smart watch, smart glasses, etc.), or other types of mobile devices, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

[0191] Among them, the processor 420 is used to execute the following computer-executable instructions, which, when executed by the processor, implement the steps of the above-mentioned blockchain-based resource processing method.

[0192] The above is a schematic scheme of a computing device of this embodiment. It should be noted that the technical scheme of the computing device and the technical scheme of the resource processing method based on blockchain are of the same concept, and the details not described in detail in the technical scheme of the computing device can be found in the description of the technical scheme of the resource processing method based on blockchain.

[0193] An embodiment of the present specification also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the steps of the above-mentioned blockchain-based resource processing method.

[0194] The above is a schematic scheme of a computer-readable storage medium of this embodiment. It should be noted that the technical scheme of the storage medium and the technical scheme of the resource processing method based on blockchain mentioned above belong to the same concept, and the details not described in detail in the technical scheme of the storage medium can be found in the description of the technical scheme of the resource processing method based on blockchain mentioned above.

[0195] An embodiment of the present specification also provides a computer program, wherein when the computer program is executed in a computer, the computer is caused to execute the steps of the above-mentioned blockchain-based resource processing method.

[0196] The above is a schematic scheme of a computer program of this embodiment. It should be noted that the technical scheme of the computer program and the technical scheme of the resource processing method based on blockchain mentioned above belong to the same concept, and the details not described in detail in the technical scheme of the computer program can be found in the description of the technical scheme of the resource processing method based on blockchain mentioned above.

[0197] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0198] The computer instructions include computer program codes, which may be in source code form, object code form, executable files or some intermediate forms, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electric carrier signal, telecommunication signal and software distribution medium, etc. It should be noted that the content contained in the computer-readable medium may be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media do not include electric carrier signals and telecommunication signals.

[0199] It should be noted that, for the above-mentioned method embodiments, for the sake of simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the embodiments of this specification are not limited by the order of the actions described, because according to the embodiments of this specification, some steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the embodiments of this specification.

[0200] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0201] The preferred embodiments of this specification disclosed above are only used to help explain this specification. The optional embodiments do not describe all the details in detail, nor do they limit the invention to only the specific implementation methods described. Obviously, many modifications and changes can be made according to the content of the embodiments of this specification. This specification selects and specifically describes these embodiments in order to better explain the principles and practical applications of the embodiments of this specification, so that technicians in the relevant technical field can well understand and use this specification. This specification is only limited by the claims and their full scope and equivalents.

Claims

1. A resource processing method based on blockchain, applied to a resource processing system, the system comprising a resource processor, an off-chain resource provider, and an on-chain resource receiver, wherein: The off-chain resource provider sends a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver; The resource processor determines, based on the resource transfer request, the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor, wherein the pre-stored on-chain resources are resources on the blockchain obtained by the resource processor by converting the resources paid in advance by the off-chain resource provider; In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver, The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource recipient.

2. According to the resource processing method of claim 1, before the off-chain resource provider sends a resource transfer request to the resource processor, the method further comprises: The off-chain resource provider sends a resource conversion request to the resource processor, wherein the resource conversion request carries the resource to be converted and the type of the resource to be converted; The resource processor, based on the resource conversion request, determines the resource to be converted from the pre-stored resources when it is determined that the pre-stored resources of the off-chain resource provider are greater than or equal to the resource to be converted, The resource to be converted is converted into a pre-stored on-chain resource corresponding to the type of the resource to be converted.

3. The resource processing method according to claim 2, wherein the resource processing party, based on the resource conversion request, determines that the pre-stored resources of the off-chain resource provider are greater than or equal to the resources to be converted, and then determines the resources to be converted from the pre-stored resources, comprising: The resource processing party determines, based on the resource conversion request, the pre-stored resources stored by the off-chain resource provider in the off-chain resource storage party; When it is determined that the pre-stored resource is greater than or equal to the resource to be converted, the resource to be converted is obtained from the pre-stored resource stored by the off-chain resource storage party.

4. The resource processing method according to claim 3, before determining the pre-stored resources stored by the off-chain resource storage party of the off-chain resource provider based on the resource conversion request, further comprising: The off-chain resource provider sends the pre-stored resources to the off-chain resource storage party for storage.

5. The resource processing method according to claim 2, wherein the step of converting the resource to be converted into a pre-stored on-chain resource corresponding to the type of the resource to be converted comprises: The resource processor converts the resource to be converted into a resource to be uploaded to the chain corresponding to the type of the resource to be converted according to the resource conversion rule. Determine module attribute information of an on-chain resource processing module in the blockchain, wherein the on-chain resource processing module is a module of the resource processor that performs resource processing in the blockchain, Determine a corresponding resource conversion party based on the type of the resource to be converted, and send the module attribute information and the resource to be uploaded to the resource conversion party; The resource converter receives the module attribute information and the resources to be uploaded to the chain sent by the resource processor, Determine the pre-stored on-chain resources based on the resources to be on-chain, and send the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information.

6. The resource processing method according to claim 5, wherein the pre-stored on-chain resources are determined based on the resources to be on-chain, and the pre-stored on-chain resources are sent to the on-chain resource processing module corresponding to the module attribute information, comprising: The resource converter determines an on-chain resource conversion module in the blockchain, wherein the on-chain resource conversion module is a module for the resource converter to perform resource conversion in the blockchain. Determine the on-chain resource processing module of the resource processing party based on the module attribute information, Based on the on-chain resource conversion module, the resource generation contract in the blockchain is called, and through the resource generation contract, on-chain resources are generated according to the resources to be on-chain, and the on-chain resources are sent to the on-chain resource processing module as pre-stored on-chain resources of the off-chain resource provider.

7. The resource processing method according to claim 5, wherein the determining of the pre-stored on-chain resources based on the resources to be on-chain, and sending the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information, comprises: The resource converter determines an on-chain resource from the blockchain, wherein the on-chain resource is a resource stored in the blockchain by the resource converter, and the type of the on-chain resource is the same as the type of the resource to be converted, In the case where it is determined that the on-chain resource is greater than or equal to the resource to be on-chain, the on-chain resource processing module of the resource processing party is determined based on the module attribute information, Based on the on-chain resource conversion module in the blockchain, the target on-chain resources corresponding to the resources to be on-chain are determined from the on-chain resources, and the target on-chain resources are sent to the on-chain resource processing module as the pre-stored on-chain resources of the off-chain resource provider.

8. The resource processing method according to claim 1, wherein determining the resource to be processed from the pre-stored on-chain resources of the blockchain and sending the resource to be processed to the on-chain resource receiver comprises: The resource processing party determines an on-chain resource processing module in the blockchain, Based on the on-chain resource processing module, the resources to be processed are determined from the pre-stored on-chain resources of the blockchain, and the resources to be processed are sent to the on-chain resource recipient on the blockchain through a resource sending contract.

9. The resource processing method according to claim 1, after determining the resource to be processed from the pre-stored on-chain resources of the blockchain and sending the resource to be processed to the on-chain resource receiver, further comprises: The on-chain resource receiver stores the to-be-processed resources in the on-chain resource conversion module in the blockchain, and sends a resource storage notification to the corresponding off-chain resource receiver; The off-chain resource receiver obtains the to-be-processed resource from the on-chain resource conversion module on the blockchain based on the resource storage notification.

10. The resource processing method according to claim 9, wherein the on-chain resource conversion module for storing the to-be-processed resources in the blockchain comprises: The on-chain resource receiver determines a resource extraction contract from the blockchain, wherein the resource extraction contract is a contract for resource extraction in the blockchain, Based on the resource extraction contract, the resources to be processed are sent to the on-chain resource conversion module for storage.

11. The resource processing method according to claim 9, wherein the off-chain resource receiver obtains the to-be-processed resource from the on-chain resource conversion module on the blockchain based on the resource storage notification, comprising: The off-chain resource receiver sends a resource extraction request to the resource converter based on the resource storage notification, wherein the resource extraction request carries the resource to be extracted; The resource converter determines the on-chain resource receiver corresponding to the off-chain resource receiver based on the received resource extraction request, and determines the to-be-processed resources stored by the on-chain resource receiver in the on-chain resource conversion module. When it is determined that the resource to be processed is greater than or equal to the resource to be extracted, the resource to be extracted is determined from the off-chain storage resources, wherein the off-chain storage resources are resources stored by the resource conversion party, The resources to be extracted in the off-chain storage resources are sent to the off-chain resource receiver, and the resources corresponding to the resources to be extracted in the to-be-processed resources are deducted.

12. A resource processing system, comprising a resource processor, an off-chain resource provider, and an on-chain resource receiver, wherein: The off-chain resource provider is configured to send a resource transfer request to the resource processor, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver; The resource processor is configured to determine, based on the resource transfer request, the pre-stored on-chain resources stored by the off-chain resource provider to the blockchain through the resource processor, wherein the pre-stored on-chain resources are resources on the blockchain obtained by the resource processor by converting the resources paid in advance by the off-chain resource provider; In the case where the pre-stored on-chain resource is greater than or equal to the to-be-processed resource, determining the on-chain resource receiver based on the attribute information of the on-chain resource receiver, The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, and the resource to be processed is sent to the on-chain resource recipient.

13. A computing device comprising: Memory and processor; The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions. When the computer-executable instructions are executed by the processor, the steps of the blockchain-based resource processing method described in any one of claims 1 to 11 are implemented.

14. A computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the steps of the blockchain-based resource processing method described in any one of claims 1 to 11.

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