Resource processing method and system based on blockchain

Abstract

The embodiments of this specification provide a blockchain-based resource processing method and system, which is applied to a resource processing system. The system includes a first decision module, a second decision module and a task storage module of a resource processing party, wherein the first decision module, upon receiving a resource transfer task sent by an off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource receiver, and stores the resource transfer task in the task storage module when it is determined that the current status information meets the preset task interruption condition; the task storage module sends the resource transfer task to the second decision module based on the preset task sending rules; the second decision module monitors the current status information of the off-chain resource provider and the on-chain resource receiver in response to the resource transfer task, and executes the resource transfer task when it is determined that the current status information meets the preset task execution condition.

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 using an off-chain remittance model conducts cross-border remittances with a financial institution using an on-chain remittance model, the cross-border remittance operation between the two may fail due to problems such as the unavailability of the cross-border remittance services of both parties or abnormal amounts, which in turn leads to low efficiency of the cross-border remittance operation and a large waste of computing resources. Summary of the Invention

[0004] In view of this, the present invention provides a blockchain-based resource processing method. One or more embodiments of the present invention also involve a blockchain-based resource processing system, a computing device, a computer-readable storage medium, and a computer program to address technical deficiencies 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. The system includes a first decision module, a second decision module and a task storage module of a resource processing party, wherein:

[0006] The first decision module, upon receiving a resource transfer task sent by an off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource receiver, and

[0007] When it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in a task storage module;

[0008] The task storage module sends the resource transfer task to the second decision module based on a preset task sending rule;

[0009] The second decision module monitors the current status information of the off-chain resource provider and the on-chain resource receiver in response to the status decision instruction, and

[0010] When it is determined that the current state information meets the preset task execution condition, the resource transfer task is executed. According to the second aspect of the embodiment of this specification, a resource processing system is provided, including a first decision module, a second decision module and a task storage module of a resource processing party, wherein,

[0011] The first decision module is configured to determine the current status information of the off-chain resource provider and the on-chain resource recipient when receiving the resource transfer task sent by the off-chain resource provider, and

[0012] When it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in a task storage module;

[0013] The task storage module is configured to send the resource transfer task to the second decision module based on a preset task sending rule;

[0014] The second decision module is configured to monitor the current status information of the off-chain resource provider and the on-chain resource receiver in response to the resource transfer task, and

[0015] In the case where it is determined that the current state information meets the preset task execution condition, the resource transfer task is executed. According to a third aspect of the embodiment of this specification, a computing device is provided, comprising:

[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 the embodiments 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 perform 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 first decision module, a second decision module and a task storage module of a resource processing party, wherein the first decision module, upon receiving a resource transfer task sent by an off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource receiver, and upon determining that the current status information meets a preset task interruption condition, stores the resource transfer task in the task storage module; the task storage module sends the resource transfer task to the second decision module based on a preset task sending rule; the second decision module monitors the current status information of the off-chain resource provider and the on-chain resource receiver in response to the status decision instruction, and upon determining that the current status information meets a preset task execution condition, executes the resource transfer task. Specifically, the blockchain-based resource processing method, through the first decision module, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and stores the received resource transfer task in the task storage module when the preset task interruption condition is met; and through the second decision module, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and obtains and executes the resource transfer task when the preset task execution condition is met, thereby ensuring the safe execution of the resource transfer task, avoiding the failure of the resource transfer operation caused by problems such as unavailability of resource transfer service and abnormal amount, thereby improving the efficiency of cross-border remittance operations and avoiding the problem of large-scale waste of computing resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 This is a processing flow chart of an agent on-chain remittance model provided by an embodiment of this specification;

[0022] Figure 2 This is a flowchart of a blockchain-based resource processing method provided in one embodiment of this specification;

[0023] Figure 3 This is a structural diagram of a flood storage and discharge processor and a flood storage component in a blockchain-based resource processing method provided by one embodiment of this specification;

[0024] Figure 4 This is a schematic diagram of flood storage decision-making in a blockchain-based resource processing method provided in one embodiment of this specification;

[0025] Figure 5 This is a schematic diagram of a flood discharge decision in a blockchain-based resource processing method provided in one embodiment of this specification;

[0026] Figure 6This is a flowchart of a processing process of a resource processing method based on blockchain provided in one embodiment of this specification;

[0027] Figure 7 This is a schematic diagram of the structure of a resource processing system provided by an embodiment of this specification;

[0028] Figure 8 This is a structural block diagram of a computing device provided by one embodiment of this specification. DETAILED DESCRIPTION

[0029] The following description sets forth many specific details to facilitate a thorough 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 scope of this specification. Therefore, this specification is not limited to the specific implementations disclosed below.

[0030] The terms used in one or more embodiments of this specification are for the purpose of describing specific embodiments only and are not intended to limit one or more embodiments of this specification. The singular forms "a," "the," 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 otherwise. 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.

[0031] 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, such 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".

[0032] First, the terms involved in one or more embodiments of this specification are explained.

[0033] Blockchain: It is a special distributed database technology that is suitable for storing simple, sequential 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.

[0034] Cross-border remittance: refers to the service of individuals / enterprises making foreign exchange remittances within the prescribed limit to recipient individuals / enterprises with bank accounts in other countries.

[0035] Transaction flood storage: Transaction flood storage means that transactions are put into the queue and the transaction process is not advanced for the time being.

[0036] Transaction flooding: refers to the removal of transactions from the queue and the continuation of the transaction process.

[0037] Proxy on-chain remittance: The remittance transaction of the off-chain originating institution (i.e., remitting institution) is proxy-on-chain through the remittance network, connecting it with the on-chain receiving institution (i.e., remitting institution), thereby completing the entire remittance transaction.

[0038] 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 three cross-border remittance operations provided in this manual. The first 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 second 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, and 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 incoming funds in the cross-border remittance operation. Because the two have different remittance methods, Internet financial institutions will adopt a third remittance model, namely the agent on-chain remittance model. This agent on-chain remittance model is that Internet financial institutions use the remittance network to proxy the remittance transaction of the off-chain originating institution on the chain, connecting the off-chain originating institution with the on-chain receiving institution, thereby completing the entire cross-border remittance transaction.

[0039] See also Figure 1 , Figure 1 This is a processing flow chart of the agent chain remittance model provided in this manual; it specifically includes the following steps.

[0040] Step 102: Originating institution A advances funds to remittance network B.

[0041] Step 104: Remittance network B increases the balance of originating institution A.

[0042] Step 106: Recharge the on-chain institution B on the chain.

[0043] Step 108: Increase the on-chain balance of on-chain institution B.

[0044] Step 110: Originating institution A sends a remittance request to remittance network B.

[0045] Step 112: Remittance Network B freezes the on-chain balance of originating institution A.

[0046] Step 114: Remittance network B sends a pre-remittance request to receiving institution C.

[0047] Step 116: Remittance Network B proxies the remittance request onto the blockchain.

[0048] Step 118: On-chain institution B deducts the on-chain balance.

[0049] Step 120: On-chain institution B sends an on-chain remittance request to on-chain institution C.

[0050] Step 122: Increase the on-chain balance of on-chain institution C.

[0051] Step 124: The blockchain sends a successful on-chain remittance notification to remittance network B.

[0052] Step 126: Remittance Network B deducts the on-chain balance of Originating Institution A.

[0053] Step 128: Remittance network B sends a remittance success notification to originating institution A.

[0054] Step 130: The blockchain sends a successful on-chain remittance notification to the receiving institution C.

[0055] Step 132: Receiving institution C remits the funds to the payee.

[0056] Step 134: Receiving institution C regularly withdraws the on-chain balance of on-chain institution C.

[0057] Among them, the originating institution A can be understood as an off-chain originating institution (an originating institution adopting an off-chain remittance model), which can actively initiate off-chain remittance transactions; the remittance network B can be understood as a remittance service aggregation institution, which can actively initiate pre-remittance requests (used by the receiving institution C to verify the legitimacy of the beneficiary information, remittance amount and other information), and proxy the off-chain remittance requests (remittance requests sent by the off-chain originating institution) onto the chain, etc.; the on-chain institution B can be understood as an on-chain member of the remittance network B registered on the blockchain network; the on-chain institution C can be understood as an on-chain member of the receiving institution C registered on the blockchain network; the receiving institution C can be understood as an off-chain receiving institution, which receives the on-chain remittance success notification, sends the remittance funds to the payee, and regularly withdraws the on-chain balance of the on-chain institution C.

[0058] In a cross-border remittance operation using an on-chain proxy remittance model, originating institution A sends a deposit to the remittance network via an off-chain remittance. The remittance network increases the corresponding deposit balance of originating institution A. Subsequently, upon receiving a currency exchange request from the originating institution, the remittance network converts the deposit from originating institution A into a deposit to on-chain institution B on the blockchain, thereby increasing the on-chain balance of on-chain institution B.

[0059] After completing the on-chain recharge, the originating institution A sends a cross-border remittance request to the remittance network B to remit the remittance to the receiving institution. After receiving the request, the remittance network B freezes the on-chain balance of the originating institution A in the on-chain institution B and sends a pre-remittance request to the receiving institution C. The pre-remittance request contains information such as the payee information and the remittance amount, so that the receiving institution C can verify the legitimacy of the information.

[0060] After sending the pre-remittance request, remittance network B will proxy the cross-border remittance request of originating institution A onto the chain. Remittance network B deducts the on-chain balance of originating institution A through on-chain institution B, and sends an on-chain remittance request to on-chain institution C. Only the deducted on-chain balance is sent to on-chain institution C, thereby increasing the on-chain balance of on-chain institution C.

[0061] After on-chain institution B completes its on-chain remittance to on-chain institution C, the blockchain sends a successful on-chain remittance notification to remittance network B. Remittance network B deducts the on-chain balance of originating institution A and sends a successful remittance notification to originating institution A. Simultaneously, the blockchain sends a successful on-chain remittance notification to receiving institution C. Based on this successful on-chain remittance notification, receiving institution C sends the remittance to the recipient and periodically withdraws the on-chain balance of on-chain institution C.

[0062] However, during the execution of the above-mentioned agent-on-chain remittance model, the remittance transaction may fail due to the following reasons:

[0063] First, the advance payment from originating institution A did not arrive in advance, resulting in insufficient balance in A's off-chain account. Consequently, the freezing of A's off-chain balance failed, and the remittance transaction failed.

[0064] Secondly, the service of the receiving institution C is unavailable, resulting in the failure of the pre-remittance request processing and the remittance transaction.

[0065] Third, if the services of on-chain institution B / on-chain institution C are unavailable, when Ant Remittance Network B proxies the off-chain remittance request onto the chain, the on-chain remittance request fails to be processed, and the remittance transaction fails.

[0066] Fourthly, the manual on-chain recharge was not completed in time, resulting in insufficient balance on the B chain, and thus the deduction of the balance on the B chain failed, and the remittance transaction failed.

[0067] Therefore, in order to improve the remittance success rate and service availability of the cross-border remittance-agent chain remittance model, a blockchain-based resource processing method provided in the manual automatically identifies the risk factors that lead to the failure of remittance transactions, thereby making intelligent decisions on the flood storage / discharge processing of remittance transactions.

[0068] In this specification, a blockchain-based resource processing method is provided. This specification also involves a blockchain-based resource processing system, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

[0069] See also Figure 2 , Figure 2 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, which includes a first decision module, a second decision module and a task storage module of a resource processing party. The blockchain-based resource processing method specifically includes the following steps.

[0070] Step 202: The first decision module, upon receiving a resource transfer task from an off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and

[0071] When it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in a task storage module.

[0072] The blockchain can be a consortium chain with multiple registered members. The resource can be understood as funds; the resource transfer task can be understood as a cross-border remittance transaction process; and the resource processor can be understood as the institution that connects off-chain resource providers and off-chain resource recipients, such as the remittance network in an on-chain remittance model, or the liquidity providers included in the remittance network. The liquidity provider can be understood as an institution in the remittance network that enables cross-border remittances, currency exchange, and other operations. The remittance network can be understood as a network that connects off-chain originating institutions with on-chain receiving institutions. Through this remittance network, the off-chain originating institutions and on-chain receiving institutions can conduct cross-border remittance operations.

[0073] In the case where the resource processor is a remittance network, the first decision module can be understood as a module within the remittance network that decides whether to store the resource transfer task in the task storage module, for example, an intelligent flood storage processor within the remittance network that performs transaction flood storage. In the case where the resource processor is a liquidity provider, the first decision module can be understood as a module within the liquidity provider that decides whether to store the resource transfer task in the task storage module. For example, an intelligent flood storage processor within the liquidity provider that performs transaction flood storage. In the blockchain-based resource processing method provided in this specification, this intelligent flood storage processor is capable of deciding whether to perform flood storage processing on a cross-border remittance transaction process.

[0074] The off-chain resource provider can be understood as an off-chain remittance institution using an off-chain remittance model, such as a bank or enterprise, also known as the off-chain originating institution. The on-chain resource recipient can be understood as an on-chain receiving institution using an on-chain remittance model, such as a bank or enterprise, also known as the on-chain receiving institution. In practical applications, the on-chain resource recipient is a registered member of the blockchain.

[0075] The current status information of the on-chain resource recipient can be understood as information indicating the current status of the on-chain resource recipient. For example, when the on-chain resource provider is an on-chain payment institution, the current status information of the on-chain resource recipient can be information indicating whether the service of the on-chain payment institution is available, such as whether the on-chain payment institution stores a large network delay, whether it is impossible to connect to the on-chain payment institution, etc.

[0076] When the off-chain resource provider is the originating institution, the current status information of the off-chain resource provider can be understood as the off-chain funding balance of the originating institution.

[0077] The preset task interruption condition can be set according to the actual application scenario, for example, the service of the on-chain payment receiving institution is unavailable, the off-chain advance balance of the originating institution A is less than the remittance amount, etc. Correspondingly, determining that the current state information satisfies the preset task interruption condition can be understood as that, when the intelligent flood storage processor determines that the service of the on-chain payment receiving institution is unavailable, or the off-chain advance balance of the off-chain resource provider is less than the remittance amount, and determines that the operating state information satisfies the preset task interruption condition, the intelligent flood storage processor then performs a flood storage operation on the cross-border remittance transaction process.

[0078] The task storage module can be understood as a module that stores cross-border remittance transaction processes, such as a flood storage component, which can store cross-border remittance transaction processes in the form of a queue. Therefore, the intelligent flood storage processor stores the cross-border remittance transaction process in the flood storage component. In fact, the intelligent flood storage processor stores the cross-border remittance transaction process in the flood storage component's flood storage queue, i.e., the flood storage queue.

[0079] The following uses the blockchain-based resource processing method applied to a cross-border remittance transaction scenario as an example, and further explains how the first decision module stores the resource transfer task in the task storage module when the current status information of the off-chain resource provider and the on-chain resource receiver is determined and the preset task interruption conditions are met. Among them, the resource processor can be a liquidity provider in the remittance network, the first decision module is an intelligent flood storage processor, the on-chain resource receiver is an on-chain receiving institution, the off-chain resource provider is an originating institution, the current status information of the on-chain resource provider can be the network connectivity status between the on-chain receiving institution and the liquidity provider, and the current status information of the on-chain resource receiver can be the off-chain advance payment balance of the originating institution. Based on this, in order to solve Figure 1 Regarding the problems existing in the agent on-chain remittance model, the blockchain-based resource processing method provided in this specification can obtain the network connectivity status of the on-chain receiving institution and the liquidity provider and the on-chain funds of the originating institution and other information through intelligent flood storage processing when receiving the cross-border remittance transaction process sent by the liquidity provider. When it is determined that the blockchain service of the on-chain institution is unavailable (network interruption or high network latency) or the off-chain advance payment balance of the originating institution is less than the remittance amount, it is determined that the preset task interruption conditions are met, and the flood storage decision result of performing flood storage operations on the cross-border remittance transaction process is obtained. The intelligent flood storage processor stores the cross-border remittance transaction process in the flood storage component based on the flood storage decision result.

[0080] The structures of the intelligent flood storage processor, intelligent flood discharge processor and flood storage component in the resource processing method based on blockchain provided in this specification can be found in Figure 3 , Figure 3 This is a structural diagram of a flood storage, flood discharge processor, and flood storage component in a blockchain-based resource processing method provided by an embodiment of this specification. The intelligent flood storage processor is composed of two modules: a flood storage decision module and a flood storage delivery module. When the intelligent flood storage processor receives a cross-border remittance transaction process, it makes a decision to store flood through the flood storage decision module. If the decision result of the flood storage decision module is to execute flood storage, it delivers flood storage to the flood storage component through the flood storage delivery module, sends the cross-border remittance transaction process to the flood storage queue of the flood storage component, i.e., stores flood into the queue, and interrupts the remittance transaction process (remittance transaction flood storage); the intelligent flood discharge processor is composed of two modules: a flood discharge decision module and a flood discharge promotion module. When the intelligent flood discharge processor receives a flood discharge delivery (sent cross-border remittance transaction process) from the flood storage component, it discharges flood out of the queue and makes a decision to discharge flood through the flood discharge decision module. If the decision result of the flood discharge decision module is to execute flood discharge, the flood discharge promotion module starts to promote the remittance transaction process (remittance transaction flood discharge).

[0081] In one embodiment of the present specification, the first decision module can also obtain the current status information of the on-chain resource processing module and the off-chain resource recipient, and determine whether the current status information of the on-chain resource processing module and the off-chain resource recipient, as well as the current status information of the off-chain resource provider and the on-chain resource recipient meet the task interruption conditions; the specific implementation method is as follows.

[0082] In the case where it is determined that the current state information meets the preset task interruption condition, before storing the resource transfer task in the task storage module, the method further includes:

[0083] The first decision module determines the on-chain resource processing module of the resource processing party in the blockchain and obtains the current status information of the on-chain resource processing module, and

[0084] Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient;

[0085] Accordingly, when it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in the task storage module, including:

[0086] The first decision module stores the resource transfer task in the task storage module when determining that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task interruption condition.

[0087] If the resource processor is a liquidity provider, the liquidity provider can register as a member of the blockchain. Based on this, the on-chain resource processing module can be understood as the module responsible for remittance processing on the blockchain by the liquidity provider, also known as the liquidity provider on the blockchain.

[0088] The off-chain resource receiver can be understood as the institution that receives the remittance sent by the originating institution, such as the receiving institution. In practical applications, the receiving institution can be registered as a member of the blockchain. Therefore, the receiving institution has a corresponding on-chain receiving institution (on-chain resource receiver) in the blockchain.

[0089] The current status information of the on-chain resource processing module can be understood as the blockchain balance of the on-chain institution (liquidity provider on the blockchain) and / or information representing whether the services of the on-chain institution's blockchain are available, such as network delays and network interruptions between liquidity providers on the blockchain.

[0090] The current status information of the off-chain resource recipient can be understood as information indicating whether the services of the receiving institution are available, such as network delays and network interruptions between the receiving institution and the liquidity provider.

[0091] Continuing with the above example, the off-chain resource recipient is the receiving institution, and the on-chain resource processing module is the liquidity provider on the blockchain. Based on this, before the intelligent flood storage processor makes a flood storage decision, it can also obtain information about the availability of the end-of-chain institution's services (whether the network between the receiving institution and the liquidity provider is disconnected), the blockchain balance of the liquidity provider on the blockchain, and information indicating the availability of the on-chain institution's blockchain services (whether the network between the liquidity provider on the blockchain and the liquidity provider is disconnected).

[0092] The intelligent flood storage processor can then obtain information to make flood storage decisions, see Figure 4 , Figure 4 This is a schematic diagram of flood storage decision-making in a blockchain-based resource processing method provided in one embodiment of this specification; Figure 4 The article describes the intelligent flood storage decision process for the proxy on-chain remittance model. The intelligent flood storage decision result is: Recipient institution C's service is unavailable (network interruption between the recipient and the liquidity provider) || On-chain institution B's blockchain service is unavailable (network interruption between the liquidity provider and the liquidity provider on the blockchain) || On-chain institution C's blockchain service is unavailable (network interruption between the recipient and the liquidity provider on the blockchain) || Originator A's off-chain balance is less than the remittance amount || On-chain institution B's blockchain balance is less than the remittance amount. If the intelligent flood storage decision result is true (success), flood storage is decided, and the transaction flood storage operation is executed, namely, flood storage for the remittance transaction. If the intelligent flood storage decision result is false (failure), flood storage is not decided, and flood storage is not executed. Here, "||" represents or; in actual applications, the decision factors (current state information) for flood storage decisions include, but are not limited to, those listed above.

[0093] In one embodiment provided in this specification, the intelligent flood storage processor consists of two modules: flood storage decision-making and flood storage delivery. The transaction flood storage operation is performed based on the two modules; the specific implementation method is as follows.

[0094] In the case where it is determined that the current state information meets the preset task interruption condition, before storing the resource transfer task in the task storage module, the method further includes:

[0095] The first decision module determines whether the current state information meets the preset task interruption condition based on the storage decision submodule, wherein the storage decision submodule is the submodule that performs the judgment in the first decision module,

[0096] If yes, it is determined that the current status information meets the preset task interruption condition,

[0097] If not, the resource transfer task is executed.

[0098] Among them, the storage decision submodule is a flood storage decision module in the intelligent flood storage processor for performing flood storage decision operations.

[0099] Using the above example, the storage decision submodule is the flood storage decision module in the intelligent flood storage processor. Based on this, after obtaining the above current state information, the intelligent flood storage processor can make decisions based on the current state information through the flood storage decision module included in itself. Figure 4 The flood storage decision operation in , and obtain the flood storage decision result (i.e. Figure 4 The flood storage decision operation can refer to the description of the flood storage decision operation in this manual. Figure 4 If the flood storage decision result is to execute flood storage, it means that the current state information meets the preset task interruption condition (flood storage decision condition). If the flood storage decision result is not to execute flood storage, the intelligent flood storage processor will proceed with the cross-border remittance transaction process.

[0100] Furthermore, storing the resource transfer task in a task storage module includes:

[0101] The first decision module stores the resource transfer task in the task storage module based on the task storage submodule.

[0102] The task storage submodule is a flood storage delivery module in the intelligent flood storage processor for performing flood storage delivery operations. The flood storage delivery operation can be understood as delivering (storing) the cross-border remittance transaction process to the flood storage component.

[0103] Continuing with the above example, when the flood storage decision result of the flood storage decision module in the intelligent flood storage processor is to execute flood storage, the flood storage delivery module delivers the flood storage to the flood storage component, that is, stores the flood into the queue and interrupts the cross-border remittance transaction process (remittance transaction flood storage).

[0104] Step 204: The task storage module sends the resource transfer task to the second decision module based on a preset task sending rule.

[0105] In the case where the resource processor is a remittance network, the second decision module can be understood as a module in the remittance network that decides whether to acquire and execute the resource transfer task. For example, an intelligent flood discharge processor in the remittance network that performs transaction flooding. In the case where the resource processor is a liquidity provider, the second decision module can be understood as a module in the liquidity provider that decides whether to acquire and execute the resource transfer task. For example, an intelligent flood discharge processor in the liquidity provider that performs transaction flooding. In the blockchain-based resource processing method provided in this specification, the intelligent flood discharge processor can decide whether to perform flooding processing on the cross-border remittance transaction process.

[0106] The preset task sending rule can be understood as a specific time frequency rule or a specific storage capacity rule.

[0107] The specific time frequency rule can be understood as the task storage module being able to send the resource transfer task to the second decision module based on a specific time frequency when receiving the resource transfer task stored in the first decision module. The specific time frequency can be set according to the actual application scenario, and this specification does not impose specific restrictions on this, such as a frequency of once every 1 minute, a frequency of once every 10 minutes, etc.

[0108] This specific storage capacity rule can be understood as requiring that, upon receiving a resource transfer task stored by the first decision module, the task storage module send the resource transfer task to the second decision module if its own available storage space is less than a specific space threshold. This specific space threshold can be set based on actual application scenarios and is not specifically limited in this specification. For example, 50% of the storage space can be used. In other words, the task storage module sends the resource transfer task to the second decision module if its own available storage space is less than 50%.

[0109] Continuing with the above example, after the flood storage component receives the cross-border remittance transaction process delivered by the intelligent flood storage processor and stores the cross-border remittance transaction process in the flood storage queue, the flood storage component can send the cross-border remittance transaction process stored in its own flood storage queue to the intelligent flood discharge processor once per minute.

[0110] In the process of sending the resource transfer task to the second decision module, the task storage module also retains a backup of the resource transfer task. If the task storage module subsequently receives a task execution notification for the resource transfer task from the second decision module, the task storage module will delete the retained resource transfer task. If the task storage notification for the resource transfer task is subsequently received from the second decision module, it indicates that the conditions for executing the resource transfer task are not currently met. The task storage module will retain the resource transfer task and continue to send the resource transfer task to the second decision module based on the preset task sending rules.

[0111] Step 206: The second decision module monitors the current status information of the off-chain resource provider and the on-chain resource receiver in response to the status decision instruction, and

[0112] When it is determined that the current state information meets the preset task execution condition, the resource transfer task is executed.

[0113] Among them, the preset task execution condition can be set according to the actual application scenario, and this manual does not impose specific restrictions on this. For example, the service of the on-chain payment institution is available, the off-chain advance balance of the originating institution A is greater than or equal to the remittance amount, etc. Correspondingly, determining that the current status information meets the preset task execution condition can be understood as, when the intelligent flood discharge processor determines that the service of the on-chain payment institution is available and the off-chain advance balance of the off-chain resource provider is greater than or equal to the remittance amount, and determines that the operating status information meets the preset task execution condition, the intelligent flood discharge processor re-executes the cross-border remittance transaction process.

[0114] Continuing with the above example, when the intelligent flood discharge processor receives the flood discharge delivery from the flood storage component, that is, the flood is discharged from the queue, the intelligent flood discharge processor performs the flood discharge decision operation, obtains the network connectivity status between the on-chain receiving institution and the liquidity provider, and the on-chain funds of the originating institution and other information, and determines that the blockchain service of the on-chain institution is available (network uninterrupted or network latency is low), or the off-chain advance payment balance of the originating institution is greater than or equal to the remittance amount, and determines that the preset task execution conditions are met, the cross-border remittance transaction process is executed.

[0115] In one embodiment of the present specification, the second decision module can also obtain the current status information of the on-chain resource processing module and the off-chain resource recipient, and determine whether the current status information of the on-chain resource processing module and the off-chain resource recipient, as well as the current status information of the off-chain resource provider and the on-chain resource recipient meet the task execution conditions; the specific implementation method is as follows.

[0116] In the case where it is determined that the current state information meets the preset task execution condition, before executing the resource transfer task, the method further includes:

[0117] The second decision module monitors the on-chain resource processing module of the resource processing party in the blockchain in response to the resource transfer task, and obtains current status information of the on-chain resource processing module, and

[0118] Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient;

[0119] Accordingly, when it is determined that the current state information meets the preset task execution condition, executing the resource transfer task includes:

[0120] The second decision module executes the resource transfer task when it determines that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task execution conditions.

[0121] Continuing with the above example, when the intelligent flood discharge processor receives a flood discharge delivery from the flood storage component, it discharges the flood from the queue and makes a flood discharge decision. It obtains information about the service availability of the metering end institution (whether the network between the receiving institution and the liquidity provider is interrupted), the blockchain balance of the liquidity provider on the blockchain, and information indicating the service availability of the on-chain institution blockchain (whether the network between the liquidity provider on the blockchain and the liquidity provider is interrupted).

[0122] The intelligent flood discharge processor can then obtain information to make flood discharge decisions, see Figure 5 , Figure 5 This is a schematic diagram of a flood discharge decision in a blockchain-based resource processing method provided in one embodiment of this specification. Figure 5 This article describes the intelligent flooding decision process for the proxy on-chain remittance model. The intelligent flooding decision result is: receiving institution C's service is available && on-chain institution B's blockchain service is available && on-chain institution C's blockchain service is available && originating institution A's off-chain balance is greater than or equal to the remittance amount && on-chain institution B's blockchain balance is greater than or equal to the remittance amount. If the intelligent flooding decision result is true (success), a flooding decision is made, and the transaction flooding operation, i.e., a remittance transaction flooding operation, is executed. If the intelligent flooding decision result is false (failure), a flooding decision is not made, and the transaction flooding operation is not executed. "&&" represents an AND. In practical applications, the decision factors (current state information) for flooding decisions include, but are not limited to, those listed above.

[0123] In addition, in actual applications, to query the blockchain balance of on-chain institution B, the smart flood storage processor or smart flood discharge processor needs to call the blockchain smart contract and execute the on-chain asset query operation through the smart contract.

[0124] In one embodiment provided in this specification, the intelligent flood discharge processor consists of two modules: flood discharge decision-making and flood discharge promotion. The transaction flood discharge operation is performed based on the two modules; the specific implementation method is as follows.

[0125] In the case where it is determined that the current state information meets the preset task execution condition, before executing the resource transfer task, the method further includes:

[0126] The second decision module determines whether the current state information meets the preset task execution condition based on the execution decision submodule, wherein the execution decision submodule is a submodule in the second decision module that performs judgment.

[0127] If yes, then determine that the current state information satisfies the preset task execution condition,

[0128] If not, a task storage notification is sent to the task storage module.

[0129] Using the above example, the execution decision submodule is the flood discharge decision module in the intelligent flood discharge processor. Based on this, after obtaining the above current state information, the intelligent flood discharge processor can make a decision based on the current state information through the flood discharge decision module included in itself. Figure 5 The flood discharge decision operation in , and obtain the flood discharge decision result (i.e. Figure 5 The flood discharge decision operation can refer to the description of the intelligent flood discharge decision operation in this manual. Figure 5 If the flood discharge decision result is to execute flood discharge, it means that the current state information meets the preset task execution conditions (flood discharge decision conditions). If the flood discharge decision result is not to execute flood discharge, the intelligent flood discharge processor will send a task storage notification to the flood storage component, causing the flood storage component to continue to save the cross-border remittance transaction process.

[0130] Furthermore, the executing the resource transfer task includes:

[0131] The second decision module executes the resource transfer task based on the task execution submodule.

[0132] Continuing with the above example, when the flood discharge decision result of the flood discharge decision module in the intelligent flood discharge processor is to execute flood discharge, the intelligent flood discharge processor starts to promote the cross-border remittance transaction process (remittance transaction flood discharge) through the flood discharge promotion module.

[0133] In the embodiments provided in this specification, the resource transfer task is generated by a resource transfer request sent by an off-chain resource provider, and the specific implementation methods include:

[0134] The first decision module, upon receiving the resource transfer task sent by the off-chain resource provider, before determining the current status information of the off-chain resource provider and the on-chain resource recipient, further includes:

[0135] The resource processor receives a resource transfer request sent by the off-chain resource provider, wherein the resource transfer request carries the attribute information of the resource to be processed and the on-chain resource receiver.

[0136] A resource transfer task is generated based on the attribute information of the resource to be processed and the on-chain resource receiver, and the resource transfer task is sent to the first decision module.

[0137] The resource transfer request can be understood as a cross-border remittance request. The pending resource can be understood as the amount that the off-chain originating institution needs to remit. For example, 10,000 yuan, 100,000 yuan, etc. If the on-chain resource recipient is an on-chain receiving institution, the attribute information of the on-chain resource recipient includes but is not limited to the on-chain receiving institution's ID, name, number, and other information.

[0138] Specifically, when the resource processor receives a resource transfer request sent by the off-chain resource provider, it generates a resource processing task based on the resource to be processed carried in the resource transfer request and the attribute information of the on-chain resource recipient, and sends the resource processing task to the first decision module.

[0139] Continuing with the above example, if an off-chain receiving institution wishes to conduct a cross-border remittance operation, it can send a cross-border remittance request to the liquidity provider in the remittance network. The cross-border remittance request carries the remittance amount and the ID of the recipient (the on-chain receiving institution). The liquidity provider can generate a cross-border remittance transaction process based on the remittance amount and the recipient ID carried in the request, and send the cross-border remittance transaction process to the smart flood storage processor. The smart flood storage processor can then determine whether it currently has the conditions to execute the cross-border remittance transaction process, thus avoiding the problem of cross-border remittance transaction process execution failure.

[0140] In the embodiments provided in this specification, the resource transfer task can also be executed by the resource processing party. Based on this, the execution of the resource transfer task includes:

[0141] The second decision module sends the resource transfer task to the resource processing party;

[0142] The resource processor determines the attribute information of the on-chain resource receiver based on the resource transfer task, and determines the on-chain resource receiver based on the attribute information of the on-chain resource receiver.

[0143] Determining the resource to be processed from pre-stored on-chain resources of the blockchain, wherein the pre-stored on-chain resources are resources stored in the blockchain by the off-chain resource provider through the resource processor;

[0144] Send the resources to be processed to the on-chain resource receiver.

[0145] Specifically, the second decision module sends the resource transfer task to the resource processor, wherein the resource transfer task is generated based on a resource transfer request sent by the off-chain resource provider and carrying attribute information of the resource to be processed and the resource recipient. The resource processor obtains the attribute information of the on-chain resource recipient carried in the resource transfer request based on the resource transfer task, and determines the on-chain resource recipient based on the attribute information of the on-chain resource recipient. The resource to be processed is determined from the pre-stored on-chain resources of the blockchain, wherein the pre-stored on-chain resources are resources stored on the blockchain by the off-chain resource provider through the resource processor, and the resource to be processed is sent to the on-chain resource recipient, thereby completing the resource transfer operation between the off-chain resource provider and the on-chain resource recipient.

[0146] Continuing with the above example, the intelligent flood discharge processor can send the cross-border remittance transaction process to the liquidity provider. The liquidity provider receives the cross-border remittance transaction process, determines that the conditions for executing the cross-border remittance transaction process are currently met, and obtains the ID of the on-chain receiving institution from the cross-border remittance transaction process. Based on the ID of the on-chain receiving institution, the on-chain receiving institution is determined from the blockchain, and the on-chain funds stored on the blockchain by the off-chain receiving institution are sent to the on-chain receiving institution. In this way, the cross-border remittance transaction operation between the off-chain originating institution and the on-chain receiving institution is completed.

[0147] In the embodiment provided in this specification, the resource processor is a member registered on the blockchain, and the resource processor has a corresponding on-chain resource processing module on the blockchain. Therefore, the resource processor can perform resource processing on the blockchain based on the on-chain resource processing module. Based on this, the process of 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 includes:

[0148] The resource processing party determines the resource to be processed from the pre-stored on-chain resources of the blockchain based on the on-chain resource processing module in the blockchain,

[0149] The resource to be processed is sent to the on-chain resource receiver on the blockchain through the resource sending contract.

[0150] Among them, the resource 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.

[0151] Specifically, after determining the on-chain resource recipient based on the attribute information of the on-chain resource recipient, the resource processor can determine its 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 recipient on the blockchain based on the resource sending contract.

[0152] 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 its corresponding on-chain liquidity provider in the blockchain, and based on the liquidity provider, determine the remittance funds from the funds pre-stored on 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.

[0153] The resource processing method based on blockchain in the embodiment provided in this specification uses an agent-on-chain remittance mode to connect the off-chain originating institution with the on-chain receiving institution, thereby completing the entire remittance transaction. At the same time, the agent-on-chain remittance mode adopts an advance payment method. The advance payment method 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 processing party in advance, and the resource processing party needs to convert the resources advanced by the off-chain resource provider into resources on the blockchain. This enables the subsequent resource processing party to quickly perform the resource transfer operation when receiving the resource transfer request sent by the resource processing party, thereby improving the efficiency of resource transfer. Therefore, before the resource processing party receives the resource transfer request sent by the off-chain resource provider, it also includes steps one to two.

[0154] 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;

[0155] 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.

[0156] 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 recipient) in Country B, in order to improve the efficiency of cross-border remittance operations, the liquidity provider in the remittance network needs to convert the currency used in Country A (the currency type is A1) pre-paid by Bank A into the currency of B1 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.

[0157] Continuing with the above example, the resource conversion request is a currency exchange request, the resource to be converted is the amount of funds to be exchanged, and the resource type is the currency to which the exchanged funds need to be converted. Therefore, before conducting a cross-border remittance operation, the off-chain remitter must send a currency exchange request to the liquidity provider within the remittance network. This request carries the amount of funds to be exchanged, which could be 10,000. It also carries the currency type to which the exchanged funds need to be converted. For example, the currency type of the exchanged funds could be the A1 currency commonly used in country A, and the currency type to which the exchanged funds need to be converted could be the B1 currency commonly used in country B.

[0158] Step 2: Based on the resource conversion request, the resource processor 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, if it determines that the pre-stored resources of the off-chain resource provider are greater than or equal to the resource to be converted.

[0159] Pre-deposited resources can be understood as funds pre-stored by off-chain resource providers with resource processors, for example, funds advanced by off-chain remitters to liquidity providers in a remittance network. Pre-deposited on-chain resources can be understood as resources pre-existing on the blockchain, which are obtained by resource processors through processing the funds advanced by off-chain remitters.

[0160] 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.

[0161] In the resource processing method provided in the embodiments of this specification, there is an originating partner bank for storing the off-chain remitter's advance funds. Based on this, when the liquidity provider in the remittance network needs to perform a currency exchange operation, it can obtain the off-chain remitter's advance funds from the originating partner bank and perform a currency exchange operation on the advance funds. The off-chain remitter also needs to send the advance funds to the originating partner bank before the liquidity provider needs to perform the currency exchange operation. The specific implementation method is as follows.

[0162] The resource processor, based on the resource conversion request, determines, when determining that the pre-stored resources of the off-chain resource provider are greater than or equal to the resources to be converted, the resources to be converted from the pre-stored resources, including:

[0163] 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;

[0164] 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.

[0165] 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.

[0166] 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 remittance party, the liquidity provider can determine the amount of advance funds stored by the off-chain remittance party from the originating cooperative bank (the advance funds are 1 million), and when it is determined that the advance funds are 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 funds stored in the originating cooperative bank.

[0167] In actual applications, the resources to be converted are obtained from the pre-stored resources stored by the off-chain resource storage party, which can be understood as the liquidity provider obtaining the funds to be exchanged from the advance funds stored in the originating cooperative bank, or the originating cooperative bank determines the funds to be exchanged from the advance funds and sends the funds to be exchanged to the liquidity provider.

[0168] In the embodiments of this specification, the resource processor determines the pre-stored resources stored by the off-chain resource provider at the off-chain resource storage based on the resource conversion request. If the pre-stored resources are determined to be equal to the resources to be converted, the resource to be converted is obtained from the pre-stored resources stored at the off-chain resource storage. This facilitates the subsequent conversion of the resources to be converted into pre-stored on-chain resources, further improving the efficiency of subsequent resource transfer operations.

[0169] 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.

[0170] Before determining the pre-stored resources stored by the off-chain resource provider and the off-chain resource storage based on the resource conversion request, the method further includes:

[0171] The off-chain resource provider sends the pre-stored resources to the off-chain resource storage party for storage.

[0172] Continuing with the above example, before the off-chain remittance party sends a currency exchange request to the liquidity provider via the remittance network, it will advance the funds that need to be paid to the originating partner bank. The funds can be 1 million, and the funds will be sent to the receiving partner bank. The currency type of the 1 million funds can be A1 currency type.

[0173] 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:

[0174] 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.

[0175] 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,

[0176] Determine a corresponding resource converter 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 converter;

[0177] The resource converter receives the module attribute information and the resources to be uploaded to the chain sent by the resource processor.

[0178] 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.

[0179] The resource conversion rule can be understood as an exchange rate. In actual applications, the resource conversion rule is determined based on the resource type of the resource to be transferred and the type of the resource to be transferred. The resource to be transferred can be understood as the resource that needs to be converted into the pre-stored on-chain resource.

[0180] 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 to be converted into (B1 currency type), it 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.

[0181] If the resource processor is a liquidity provider in a remittance network, the on-chain resource processing module can be understood as the liquidity provider's module responsible for remittance processing on the blockchain, also known as the on-chain liquidity provider. In practice, this liquidity provider is registered as a member of the blockchain. The module attributes of the on-chain resource processing module include, but are not limited to, the name, ID, and number of the liquidity provider on the blockchain.

[0182] 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.

[0183] Specifically, after obtaining the resources to be converted that need to be converted by the off-chain resource provider, the resource processor 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 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 resources 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 resources to be converted is the C1 currency type used by country C, the resource converter corresponding to the C1 currency type is determined.

[0184] The module attribute information and the resources to be on-chain are sent to the resource converter through the off-chain remittance mode.

[0185] The resource converter receives the module attribute information and the resources to be on-chain sent by the resource processor, determines the pre-stored on-chain resources based on the resources to be on-chain, and sends the pre-stored on-chain resources to the on-chain resource processing module corresponding to the module attribute information.

[0186] Continuing with the above example, where the resource conversion rule is the exchange rate, the on-chain resource processing module is the liquidity provider on the blockchain, and the resource converter is the receiving partner 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 funds to be exchanged (currency type A1) and the type of the resource to be converted (currency type B1), converts the funds to be exchanged into funds of currency type B1 based on this exchange rate, and then uses the funds of currency type B1 as the funds to be on-chain. The conversion of the funds to be exchanged into funds of currency type B1 based on this exchange rate can be understood as the liquidity provider, after obtaining the funds to be exchanged, converting the funds to the corresponding amount of funds of currency type B1 based on the exchange rate and the liquidity provider's own stored funds of currency type B1.

[0187] After determining the funds to be on-chain, the liquidity provider determines the name of the liquidity provider registered on the blockchain and, based on the type of resource to be converted (B1 currency type), identifies the receiving partner bank that can convert the B1 currency type funds into on-chain funds. The funds to be on-chain and the name of the liquidity provider on the blockchain are then sent to the receiving partner bank via off-chain remittance.

[0188] After receiving the funds to be put on the chain and the name of the liquidity provider on the blockchain, 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 liquidity provider on the blockchain from the blockchain according to the name of the liquidity provider on the blockchain, and sends the on-chain funds to the liquidity provider on the blockchain in the blockchain.

[0189] In the embodiment provided in this specification, determining 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:

[0190] The resource converter determines the on-chain resource processing module of the resource processor based on the module attribute information.

[0191] The resource generation contract in the blockchain is called based on the 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.

[0192] The resource generation contract is used to generate on-chain resources to be sent according to the resources to be on-chain, and the on-chain resource processing module sends the on-chain resources to be sent.

[0193] The resource generation contract is capable of executing the smart contract for on-chain asset issuance. The on-chain resource conversion module can be understood as the on-chain receiving partner bank. In practical applications, this receiving partner bank is also a registered member on the blockchain. Because this receiving partner bank has a corresponding on-chain receiving partner bank on the blockchain, this on-chain receiving partner bank can perform operations such as fund transfers (i.e., transfers) and on-chain fund issuance on the blockchain. Therefore, if the resource converter is a receiving partner bank, the on-chain resource conversion module can be understood as the on-chain receiving partner bank corresponding to the receiving partner bank on the blockchain.

[0194] Specifically, after receiving the resources to be on-chain and module attribute information sent by the resource processing party, the resource converter 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.

[0195] 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 to be sent according to the resources to be on-chain through the resource generation contract in the blockchain, and sends the on-chain resources to be sent to the on-chain resource processing module in the blockchain.

[0196] 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 sent by the liquidity provider through an off-chain remittance method and the identifier of the liquidity provider on the blockchain, 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 liquidity provider on the blockchain.

[0197] The receiving partner bank then calls the asset issuance contract pre-deployed on the blockchain through the on-chain receiving partner bank. Based on this asset issuance contract, it issues the corresponding on-chain funds based on the funds to be on-chain received by the receiving partner bank. The issued on-chain funds are then sent to the liquidity provider on the blockchain.

[0198] The blockchain-based resource processing method provided in this specification stores the received resource transfer task in the task storage module through the first decision module after determining the current status information of the off-chain resource provider and the on-chain resource recipient and satisfying the preset task interruption condition; and obtains and executes the resource transfer task through the second decision module after determining the current status information of the off-chain resource provider and the on-chain resource recipient and satisfying the preset task execution condition, thereby ensuring the safe execution of the resource transfer task, avoiding the failure of the resource transfer operation caused by problems such as unavailability of the resource transfer service and abnormal amount, thereby improving the efficiency of cross-border remittance operations and avoiding the problem of large-scale waste of computing resources.

[0199] The following combined Figure 6 , taking the application of the blockchain-based resource processing method provided in this specification in the cross-border remittance scenario as an example, the blockchain-based resource processing method is further explained. Figure 6 A flowchart of a processing process of a blockchain-based resource processing method provided by an embodiment of this specification is shown, which specifically includes the following steps.

[0200] Step 602: Originating institution A advances funds to remittance network B.

[0201] Step 604: Remittance network B increases the balance of originating institution A.

[0202] Step 606: Recharge the on-chain institution B on the chain.

[0203] Step 608: Increase the on-chain balance of on-chain institution B.

[0204] Step 610: Originating institution A sends a remittance request to remittance network B.

[0205] Step 612: The intelligent flood storage decision result is to execute flood storage.

[0206] The intelligent flood storage decision result is determined by the intelligent flood storage processor in the remittance network.

[0207] Step 614: Execute flood storage and delivery.

[0208] Step 616: The flood storage component performs flood discharge delivery.

[0209] Step 618: The result of the intelligent flood discharge decision is to execute flood storage.

[0210] The intelligent flood discharge decision result is determined by the intelligent flood discharge processor in the remittance network.

[0211] Step 620: Remittance network B freezes the on-chain balance of originating institution A.

[0212] Step 622: Remittance network B sends a pre-remittance request to receiving institution C.

[0213] Step 624: Remittance Network B proxies the remittance request onto the blockchain.

[0214] Step 626: On-chain institution B deducts the on-chain balance.

[0215] Step 628: On-chain institution B sends an on-chain remittance request to on-chain institution C.

[0216] Step 630: Increase the on-chain balance of on-chain institution C.

[0217] Step 632: The blockchain sends a successful on-chain remittance notification to remittance network B.

[0218] Step 634: Remittance network B deducts the on-chain balance of originating institution A.

[0219] Step 636: Remittance network B sends a remittance success notification to originating institution A.

[0220] Step 638: The blockchain sends a successful on-chain remittance notification to the receiving institution C.

[0221] Step 640: Receiving institution C remits the funds to the payee.

[0222] Step 642: The receiving institution C regularly withdraws the on-chain balance of the on-chain institution C.

[0223] In actual applications, in order to avoid the problem of remittance transaction failure during the execution of the agent chain remittance model, the blockchain-based resource processing method provided in this specification configures an intelligent flood storage processor, an intelligent flood discharge processor and a flood storage component in the liquidity provider in the remittance network, thereby automatically identifying the risk factors that lead to remittance transaction failure, and intelligently deciding the flood storage / flood discharge processing of remittance transactions, thereby improving the remittance success rate and service availability of cross-border remittance-agent chain remittance. Specifically, see Figure 6 In the process of cross-border remittance operations using the agent on-chain remittance model, the originating institution A sends a sum of advance funds to the liquidity provider through the remittance network B through the off-chain remittance method. The liquidity provider in the remittance network increases the corresponding advance funds balance of the originating institution A. After that, when the liquidity provider in the remittance network receives the exchange request sent by the originating institution, it converts the advance funds of the originating institution A into a recharge to the on-chain institution B on the blockchain, thereby increasing the on-chain balance of the on-chain institution B.

[0224] After completing the on-chain recharge, the originating institution A sends a cross-border remittance request to the liquidity provider in the remittance network B to remit the money to the receiving institution. After receiving the request, the liquidity provider of the remittance network B creates a cross-border remittance transaction process for the cross-border remittance request and makes a decision on flood storage through the flood storage decision module in the intelligent flood storage processor. If the decision result of the flood storage decision module is to execute flood storage, the flood storage delivery module of the intelligent flood storage processor is used to perform flood storage delivery to the flood storage component, and the cross-border remittance transaction process is sent to the flood storage queue of the flood storage component. The remittance transaction process is interrupted and the flood storage component is waited for the flood discharge delivery. If the decision result is not to execute flood storage, the remittance transaction process is continued (i.e., step 620 is started). When the intelligent flood discharge processor in the liquidity provider receives the flood discharge delivery from the flood storage component, the flood discharge decision module is used to make a decision on flood discharge. If the decision result of the flood discharge decision module is to execute flood discharge, the flood discharge promotion module starts to promote the remittance transaction process and step 620 is started. If the decision result is not to execute flood discharge, wait for the next flood discharge delivery of the flood storage component.

[0225] When the liquidity provider starts to promote the remittance transaction process, it first freezes the on-chain balance of the originating institution A in the on-chain institution B and sends a pre-remittance request to the receiving institution C. The pre-remittance request contains information such as the payee information and the remittance amount, so that the receiving institution C can verify the legitimacy of the information.

[0226] After sending the pre-remittance request, remittance network B will proxy the cross-border remittance request of originating institution A onto the chain. Remittance network B deducts the on-chain balance of originating institution A through on-chain institution B, and sends an on-chain remittance request to on-chain institution C. Only the deducted on-chain balance is sent to on-chain institution C, thereby increasing the on-chain balance of on-chain institution C.

[0227] After on-chain institution B completes its on-chain remittance to on-chain institution C, the blockchain sends a successful on-chain remittance notification to remittance network B. Remittance network B deducts the on-chain balance of originating institution A and sends a successful remittance notification to originating institution A. Simultaneously, the blockchain sends a successful on-chain remittance notification to receiving institution C. Based on this successful on-chain remittance notification, receiving institution C sends the remittance to the recipient and periodically withdraws the on-chain balance of on-chain institution C.

[0228] Corresponding to the above method embodiment, this specification also provides a resource processing system embodiment, Figure 7 FIG1 shows a schematic diagram of a resource processing system provided by an embodiment of this specification. Figure 7 As shown, the system includes a first decision module 702, a second decision module 706 and a task storage module 704 of a resource processing side, wherein:

[0229] The first decision module 702 is configured to determine the current status information of the off-chain resource provider and the on-chain resource recipient when receiving the resource transfer task sent by the off-chain resource provider, and

[0230] If it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in the task storage module 704;

[0231] The task storage module 704 is configured to send the resource transfer task to the second decision module 706 based on a preset task sending rule;

[0232] The second decision module 706 is configured to monitor the current status information of the off-chain resource provider and the on-chain resource receiver in response to the resource transfer task, and

[0233] When it is determined that the current state information meets the preset task execution condition, the resource transfer task is executed.

[0234] Optionally, the first decision module 702 is further configured to determine whether the current state information meets a preset task interruption condition based on a storage decision submodule, wherein the storage decision submodule is a submodule in the first decision module 702 that performs the judgment.

[0235] If yes, it is determined that the current status information meets the preset task interruption condition,

[0236] If not, the resource transfer task is executed.

[0237] Optionally, the first decision module 702 is further configured to store the resource transfer task in the task storage module 704 based on the task storage submodule.

[0238] Optionally, the second decision module 706 is further configured to determine whether the current state information meets the preset task execution condition based on the execution decision submodule, wherein the execution decision submodule is the submodule that performs the judgment in the second decision module 706.

[0239] If yes, then determine that the current state information satisfies the preset task execution condition,

[0240] If not, a task storage notification is sent to the task storage module 704 .

[0241] Optionally, the second decision module 706 is further configured to execute the resource transfer task based on the task execution submodule.

[0242] Optionally, the first decision module 702 is further configured to determine the on-chain resource processing module of the resource processing party in the blockchain, and obtain the current status information of the on-chain resource processing module, and

[0243] Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient;

[0244] Correspondingly, the first decision module 702 is also configured to store the resource transfer task in the task storage module 704 when it is determined that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task interruption condition.

[0245] Optionally, the second decision module 706 is further configured to monitor the on-chain resource processing module of the resource processing party in the blockchain in response to the resource transfer task, and obtain current status information of the on-chain resource processing module, and

[0246] Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient;

[0247] Correspondingly, the second decision module 706 is also configured to execute the resource transfer task when it is determined that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task execution conditions.

[0248] Optionally, the resource processor is further configured to receive a resource transfer request sent by an off-chain resource provider, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver.

[0249] A resource transfer task is generated based on the attribute information of the resource to be processed and the on-chain resource recipient, and the resource transfer task is sent to the first decision module 702.

[0250] Optionally, the second decision module 706 is further configured to send the resource transfer task to the resource processing party;

[0251] The resource processor determines the attribute information of the on-chain resource receiver based on the resource transfer task, and determines the on-chain resource receiver based on the attribute information of the on-chain resource receiver.

[0252] Determining the resource to be processed from pre-stored on-chain resources of the blockchain, wherein the pre-stored on-chain resources are resources stored in the blockchain by the off-chain resource provider through the resource processor;

[0253] Send the resources to be processed to the on-chain resource receiver.

[0254] Optionally, the off-chain resource provider is further configured to send 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;

[0255] The resource processing party 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 are greater than or equal to the resource to be converted,

[0256] The resource to be converted is converted into a pre-stored on-chain resource corresponding to the type of the resource to be converted.

[0257] The resource processing system provided in this specification, through the first decision module, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and stores the received resource transfer task in the task storage module when the preset task interruption condition is met; and through the second decision module, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and obtains and executes the resource transfer task when the preset task execution condition is met, thereby ensuring the safe execution of the resource transfer task, avoiding the failure of the resource transfer operation caused by problems such as unavailability of resource transfer service and abnormal amount, thereby improving the efficiency of cross-border remittance operations and avoiding the problem of large-scale waste of computing resources.

[0258] The above is a schematic diagram of a resource processing system according to this embodiment. It should be noted that the technical solution of this resource processing system and the technical solution of the blockchain-based resource processing method described above are based on the same concept. For details not described in detail in the technical solution of the resource processing system, please refer to the description of the technical solution of the blockchain-based resource processing method described above.

[0259] Figure 8 8 shows a block diagram of a computing device 800 according to one embodiment of the present disclosure. Components of the computing device 800 include, but are not limited to, a memory 810 and a processor 820. The processor 820 is connected to the memory 810 via a bus 830, and a database 850 is used to store data.

[0260] The computing device 800 also includes an access device 840 that enables the computing device 800 to communicate via one or more networks 860. 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 840 may include one or more of any type of network interface (e.g., a network interface card (NIC)), whether wired or wireless, such as an IEEE 802.11 wireless local area network (WLAN) wireless interface, a Worldwide 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.

[0261] In one embodiment of the present specification, the above components of the computing device 800 and Figure 8 Other components not shown in the figure may also be connected to each other, for example, via a bus. Figure 8 The computing device structure block diagram shown is for illustrative purposes only and is not intended to limit the scope of this specification. Those skilled in the art may add or replace other components as needed.

[0262] The computing device 800 can 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 computer, etc.), a mobile phone (e.g., a smartphone), a wearable computing device (e.g., a smartwatch, smart glasses, etc.), or other types of mobile devices, or a stationary computing device such as a desktop computer or PC. The computing device 800 can also be a mobile or stationary server.

[0263] The processor 820 is configured 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.

[0264] The above is a schematic diagram of a computing device according to this embodiment. It should be noted that the technical solution of this computing device and the technical solution of the blockchain-based resource processing method described above are based on the same concept. For details not described in detail in the technical solution of the computing device, please refer to the description of the technical solution of the blockchain-based resource processing method described above.

[0265] An embodiment of this 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.

[0266] The above is a schematic diagram of a computer-readable storage medium according to this embodiment. It should be noted that the technical solution of this storage medium is based on the same concept as the technical solution of the blockchain-based resource processing method described above. For details not described in detail in the technical solution of the storage medium, please refer to the description of the technical solution of the blockchain-based resource processing method described above.

[0267] An embodiment of this specification also provides a computer program, wherein when the computer program is executed in a computer, the computer is caused to perform the steps of the above-mentioned blockchain-based resource processing method.

[0268] The above is an illustrative embodiment of a computer program. It should be noted that the technical solution of this computer program and the technical solution of the blockchain-based resource processing method described above share the same concept. For details not described in detail in the technical solution of the computer program, please refer to the description of the technical solution of the blockchain-based resource processing method described above.

[0269] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0270] The computer instructions include computer program code, which may be in source code form, object code form, executable file, or some intermediate form. 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.

[0271] It should be noted that for the aforementioned 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, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the embodiments of this specification.

[0272] In the above embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0273] The preferred embodiments disclosed above are intended only to help illustrate this specification. The optional embodiments do not exhaustively describe all details, nor do they limit the invention to the specific embodiments described. Obviously, many modifications and variations can be made based on 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 those skilled in the art can better understand and utilize this specification. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. A resource processing method based on blockchain, applied to a cross-border remittance scenario, and applied to a resource processing system, the system comprising a first decision module, a second decision module, and a task storage module of a resource processing party, wherein: The resource processor is an institution that connects the off-chain resource provider and the on-chain resource receiver. The resource is funds. The off-chain resource provider is an off-chain remittance institution that adopts the off-chain remittance model. The on-chain resource receiver is an on-chain payment institution that adopts the on-chain remittance model. The first decision module, upon receiving the resource transfer task sent by the off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource recipient, and If it is determined that the current status information meets the preset task interruption condition, the resource transfer task is stored in the task storage module, wherein the current status information includes the network connectivity status between the on-chain resource recipient and the resource processor and the off-chain advance payment balance of the off-chain resource provider. The preset task interruption condition is that the service of the on-chain resource recipient is unavailable or the off-chain advance payment balance of the off-chain resource provider is less than the remittance amount; The task storage module sends the resource transfer task to the second decision module based on a preset task sending rule, wherein the preset task sending rule is a specific time frequency rule or a specific storage capacity rule; The second decision module monitors the current status information of the off-chain resource provider and the on-chain resource receiver in response to the resource transfer task, and When it is determined that the current status information meets the preset task execution conditions, the resource transfer task is executed, wherein the preset task execution conditions are that the service of the on-chain resource recipient is available and the off-chain funding balance of the off-chain resource provider is greater than or equal to the remittance amount.

2. The blockchain-based resource processing method according to claim 1, wherein, before storing the resource transfer task in the task storage module when determining that the current state information satisfies a preset task interruption condition, the method further comprises: The first decision module determines whether the current state information meets the preset task interruption condition based on the storage decision submodule, wherein the storage decision submodule is the submodule that performs the judgment in the first decision module, If yes, it is determined that the current status information meets the preset task interruption condition, If not, the resource transfer task is executed.

3. The blockchain-based resource processing method according to claim 1, wherein storing the resource transfer task in the task storage module comprises: The first decision module stores the resource transfer task in the task storage module based on the task storage submodule.

4. The blockchain-based resource processing method according to claim 1, wherein before executing the resource transfer task, upon determining that the current state information satisfies the preset task execution condition, the method further comprises: The second decision module determines whether the current state information meets the preset task execution condition based on the execution decision submodule, wherein the execution decision submodule is a submodule in the second decision module that performs judgment. If yes, then determine that the current state information satisfies the preset task execution condition, If not, a task storage notification is sent to the task storage module.

5. The blockchain-based resource processing method according to claim 1, wherein executing the resource transfer task comprises: The second decision module executes the resource transfer task based on the task execution submodule.

6. The blockchain-based resource processing method according to claim 1, wherein before storing the resource transfer task in the task storage module when determining that the current state information satisfies a preset task interruption condition, the method further comprises: The first decision module determines the on-chain resource processing module of the resource processing party in the blockchain and obtains the current status information of the on-chain resource processing module, and Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient; Accordingly, when it is determined that the current state information meets the preset task interruption condition, the resource transfer task is stored in the task storage module, including: The first decision module stores the resource transfer task in the task storage module when determining that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task interruption condition.

7. The blockchain-based resource processing method according to claim 1, wherein before executing the resource transfer task, upon determining that the current state information satisfies the preset task execution condition, the method further comprises: The second decision module monitors the on-chain resource processing module of the resource processing party in the blockchain in response to the resource transfer task, and obtains current status information of the on-chain resource processing module, and Determine the off-chain resource recipient corresponding to the on-chain resource recipient, and obtain the current status information of the off-chain resource recipient; Accordingly, when it is determined that the current state information meets the preset task execution condition, executing the resource transfer task includes: The second decision module executes the resource transfer task when it determines that the current status information of the off-chain resource provider, the on-chain resource receiver, the off-chain resource receiver or the on-chain resource processing module meets the preset task execution conditions.

8. The blockchain-based resource processing method according to claim 1, wherein the first decision module, upon receiving a resource transfer task sent by an off-chain resource provider, determines the current status information of the off-chain resource provider and the on-chain resource recipient, further comprising: The resource processor receives a resource transfer request from an off-chain resource provider, wherein the resource transfer request carries attribute information of the resource to be processed and the on-chain resource receiver. A resource transfer task is generated based on the attribute information of the resource to be processed and the on-chain resource receiver, and the resource transfer task is sent to the first decision module.

9. The blockchain-based resource processing method according to claim 8, wherein executing the resource transfer task comprises: The second decision module sends the resource transfer task to the resource processing party; The resource processor determines the attribute information of the on-chain resource receiver based on the resource transfer task, and determines the on-chain resource receiver based on the attribute information of the on-chain resource receiver. Determining the resource to be processed from pre-stored on-chain resources of the blockchain, wherein the pre-stored on-chain resources are resources stored in the blockchain by the off-chain resource provider through the resource processor; Send the resources to be processed to the on-chain resource receiver.

10. The blockchain-based resource processing method according to claim 8, before the resource processing party receives the resource transfer request sent by the off-chain resource provider, further comprising: 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 if 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.

11. A blockchain-based resource processing system, applied to cross-border remittance scenarios, comprising a first decision-making module, a second decision-making module, and a task storage module of a resource processing party, wherein: The resource processor is an institution that connects the off-chain resource provider and the on-chain resource receiver. The resource is funds. The off-chain resource provider is an off-chain remittance institution that adopts the off-chain remittance model. The on-chain resource receiver is an on-chain payment institution that adopts the on-chain remittance model. The first decision module is configured to determine the current status information of the off-chain resource provider and the on-chain resource recipient when receiving the resource transfer task sent by the off-chain resource provider, and If it is determined that the current status information meets the preset task interruption condition, the resource transfer task is stored in the task storage module, wherein the current status information includes the network connectivity status between the on-chain resource recipient and the resource processor and the off-chain advance payment balance of the off-chain resource provider. The preset task interruption condition is that the service of the on-chain resource recipient is unavailable or the off-chain advance payment balance of the off-chain resource provider is less than the remittance amount; The task storage module is configured to send the resource transfer task to the second decision module based on a preset task sending rule, wherein the preset task sending rule is a specific time frequency rule or a specific storage capacity rule; The second decision module is configured to monitor the current status information of the off-chain resource provider and the on-chain resource receiver in response to the resource transfer task, and When it is determined that the current status information meets the preset task execution conditions, the resource transfer task is executed, wherein the preset task execution conditions are that the service of the on-chain resource recipient is available and the off-chain funding balance of the off-chain resource provider is greater than or equal to the remittance amount.

12. 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 10 are implemented.

13. 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 10.

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