Resource secondment evaluation method, device and computer equipment based on alliance chain

Abstract

The present application relates to a resource secondment evaluation method, device and computer equipment based on an alliance chain. The method includes: responding to a resource secondment request from a resource demander in the alliance chain, obtaining the resource transfer type provided by the resource demander and the original resource transfer information provided by the resource demander; obtaining target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored in the alliance chain by a third party and is used to represent the resource transfer information between the resource demander and the third party; verifying the original resource transfer information based on the target resource transfer information to obtain a verification result; if the verification result indicates that the original resource transfer information is true and valid, performing a resource secondment evaluation on the third party based on the original resource transfer information to obtain an evaluation result of the third party; if the evaluation result indicates that the evaluation is passed, the evaluation result of the third party is used as the evaluation result of the resource demander. The use of this method can improve the audit efficiency of resource secondment.

Description

Technical Field

[0001] The present application relates to the field of alliance chain technology, and in particular to a resource secondment evaluation method, device and computer equipment based on alliance chain. Background Art

[0002] With economic development, situations have emerged where the seller first delivers the goods, and then the buyer gives the seller a document and pays the money within the agreed period. When the seller needs financing or cash flow, it needs to borrow from a financial institution. In related technologies, when a seller needs financing, the financial institution needs to review the seller's repayment ability, credit, and the documents provided to determine whether the seller has the corresponding repayment ability. When reviewing the documents, it is necessary to go to the buyer's location to verify the authenticity of the documents, which reduces the efficiency of the financial institution's review of financing and lending operations and is not conducive to the seller's financing. Therefore, how to improve the review efficiency of financial institutions has become a technical problem that those skilled in the art urgently need to solve. Summary of the Invention

[0003] Based on this, it is necessary to provide a resource secondment evaluation method, device and computer equipment based on the alliance chain that can improve the audit efficiency in response to the above technical problems.

[0004] In a first aspect, the present application provides a resource secondment evaluation method based on a consortium chain. The method comprises:

[0005] In response to a resource loan request from a resource demander in the consortium chain, obtaining a resource transfer type provided by the resource demander and original resource transfer information provided by the resource demander; the resource transfer type is used to characterize the resource transfer method between the resource demander and a third party in the consortium chain;

[0006] Obtaining target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored by the third party in the alliance chain and is used to represent resource transfer information between the resource demander and the third party;

[0007] Verifying the original resource transfer information based on the target resource transfer information to obtain a verification result;

[0008] If the verification result indicates that the original resource transfer information is authentic and valid, performing a resource secondment assessment on the third party based on the original resource transfer information to obtain an assessment result of the third party;

[0009] If the evaluation result indicates that the evaluation is passed, the evaluation result of the third party is used as the evaluation result of the resource demander.

[0010] In one embodiment, the resource transfer type includes a first type for representing that the resource transfer is performed on the alliance chain and a second type for representing that the resource transfer is not performed on the alliance chain;

[0011] The acquiring target resource transfer information from the alliance chain according to the resource transfer type includes:

[0012] If the resource transfer type is the first type, obtaining log information of the resource transfer in the alliance chain, and reading the target resource transfer information from the log record according to the log information;

[0013] If the resource transfer type is the second type, obtain the node address of the third party in the alliance chain, determine the resource transfer pool of the third party based on the node address; and match the resource demander in the resource transfer pool to obtain the target resource transfer information.

[0014] In one embodiment, if the resource demander cannot be matched in the resource transfer pool, the resource loan request is rejected.

[0015] In one embodiment, the verifying the original resource transfer information based on the target resource transfer information to obtain a verification result includes:

[0016] Extracting the target resource transfer amount and the target transfer party name from the target resource transfer information;

[0017] Extracting the original resource transfer amount and the name of the original transferor from the original resource transfer information;

[0018] Verification is performed based on the target resource transfer amount, the original resource transfer amount, the target transferor name, and the original transferor name to obtain a verification result.

[0019] In one embodiment, the verification result includes a first verification result indicating that the original resource transfer information is authentic and valid, and a second verification result indicating that the original resource transfer information is unauthentic or invalid;

[0020] The verification is performed according to the target resource transfer amount, the original resource transfer amount, the name of the target transferor, and the name of the original transferor to obtain a verification result, including:

[0021] If the target resource transfer amount is equal to the original resource transfer amount, and the target transferor name is the same as the original transferor name, a first verification result is obtained;

[0022] If at least one of the following occurs: the target resource transfer amount is smaller than the original resource transfer amount, and the target transferor name is different from the original transferor name, a second verification result is obtained.

[0023] In one embodiment, the method further comprises:

[0024] If the evaluation result indicates that the evaluation is passed, the resources are transferred to the account corresponding to the resource demander according to the original resource transfer information;

[0025] A resource transfer message is sent to the third party, so that the third party updates the target resource transfer information.

[0026] In one embodiment, the third party updates the target resource transfer information, including:

[0027] The third party sends an information update request carrying a first message to the resource demander, so that the resource demander signs the first message according to a preset private key, obtains and returns a ciphertext message;

[0028] The third party verifies the encrypted message to obtain a second message;

[0029] If the first message and the second message are the same, the target resource transfer information is updated according to the original resource transfer amount in the original resource transfer information.

[0030] In a second aspect, the present application also provides a resource loan evaluation device based on an alliance chain. The device includes:

[0031] A secondment request response module is used to respond to a resource secondment request from a resource demander in the alliance chain, obtain the resource transfer type provided by the resource demander and the original resource transfer information provided by the resource demander; the resource transfer type is used to characterize the resource transfer method between the resource demander and the third party in the alliance chain.

[0032] An information acquisition module is used to obtain target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored in the alliance chain by the third party and is used to represent the resource transfer information between the resource demander and the third party.

[0033] The verification module is used to verify the original resource transfer information based on the target resource transfer information to obtain a verification result.

[0034] An evaluation module is used to, if the verification result indicates that the original resource transfer information is true and valid, perform a resource secondment evaluation on the third party based on the original resource transfer information to obtain an evaluation result of the third party.

[0035] The processing module is configured to use the third party's evaluation result as the resource demander's evaluation result if the evaluation result indicates that the evaluation has passed.

[0036] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above-mentioned resource secondment evaluation method based on the alliance chain when executing the computer program.

[0037] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-mentioned resource secondment evaluation method based on the alliance chain.

[0038] In a fifth aspect, the present application further provides a computer program product, comprising a computer program that, when executed by a processor, implements the steps of the above-mentioned resource secondment evaluation method based on the alliance chain.

[0039] The above-mentioned resource secondment evaluation method, device and computer equipment based on the alliance chain directly obtains the target resource transfer information on the alliance chain according to the resource transfer type provided by the resource demander, and then verifies the authenticity of the original resource transfer information based on the target resource transfer information. There is no need to go to the location of the third party for verification, which improves the audit efficiency; and when the verification result indicates that the original resource transfer information is true and valid, the resource secondment evaluation of the third party is directly performed based on the original resource transfer information to determine whether the third party is qualified for resource secondment, and the evaluation result of the third party is used as the evaluation result of the resource demander, so that there is no need to additionally evaluate the resource demander, which further saves the audit and evaluation process and further improves the efficiency of the audit. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] Figure 1 This is a schematic diagram of a first process of a resource secondment evaluation method based on a consortium chain in one embodiment;

[0041] Figure 2 A flowchart of the steps of obtaining target resource transfer information in one embodiment;

[0042] Figure 3 A flowchart illustrating the steps of verifying original resource transfer information in one embodiment;

[0043] Figure 4 A flowchart of the steps for obtaining verification results in one embodiment;

[0044] Figure 5A flowchart of the step of updating target resource transfer information in one embodiment;

[0045] Figure 6 is a schematic diagram of an asymmetric encryption process in one embodiment;

[0046] Figure 7 This is a structural block diagram of a resource borrowing device based on a consortium chain in one embodiment;

[0047] Figure 8 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0048] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0049] In one embodiment, Figure 1 As shown, a resource loan assessment method based on an alliance chain is provided. This embodiment uses the method applied to a terminal as an example. It is understandable that the method can also be applied to a server, and can also be applied to a system including a terminal and a server, and is implemented through the interaction between the terminal and the server. Among them, the terminal can be, but is not limited to, a personal computer, a laptop, a smart phone, and a tablet computer. The server can be implemented as an independent server or a server cluster consisting of multiple servers. In the embodiment, the method includes the following steps:

[0050] Step 102: In response to a resource loan request from a resource demander in the alliance chain, obtain the resource transfer type provided by the resource demander and the original resource transfer information provided by the resource demander; the resource transfer type is used to characterize the resource transfer method between the resource demander and the third party in the alliance chain.

[0051] A consortium chain refers to a blockchain model that lies somewhere between public and private chains, often controlled by multiple centers. Within a consortium chain, several organizations collaborate to maintain a blockchain, jointly contributing to the formation of blocks and the maintenance of the distributed ledger. Consortium chains utilize restricted access with permissions; only nodes that pass identity verification and admission mechanisms can participate. Node information within a consortium chain is fully accessible to registered nodes. Nodes run the consortium chain's consensus mechanism, ensuring consistency and liveness, and, through state machine replication, generate and maintain the blockchain's distributed ledger.

[0052] In some embodiments, the consortium chain can be built based on the Raft consensus mechanism. Raft is a blockchain consensus mechanism widely used in consortium chain-related engineering fields. The Raft protocol breaks down the consensus-achieving process into three sub-problems: leader election, log replication, and safety. In the Raft protocol, a machine is first elected as the leader, and subsequent operations are then handled by the leader, with these two steps being relatively independent and separate.

[0053] In some embodiments, after establishing a consortium chain, node registration is performed based on the corresponding identity information of resource demanders, third parties, and resource providers, allowing them to pass the consortium chain's node identity authentication and access mechanism. By setting up a node identity authentication and access mechanism for the consortium chain, malicious nodes can be prevented from impersonating other companies. Furthermore, in subsequent reviews of original resource transfer information, there is no need to repeatedly determine the node's corresponding identity as in traditional methods, allowing for quick and efficient review and improved efficiency.

[0054] Resource demanders can refer to entities that need to borrow resources, such as enterprises that need financing, individuals that need to borrow money, and companies that need to borrow money.

[0055] The resource secondment request may refer to a request message sent by a resource demander requesting to second resources.

[0056] The resource transfer type can refer to the resource transfer method between the resource demander and the third party. The resource transfer type can include resource transfers performed on the alliance chain and resource transfers performed outside the alliance chain.

[0057] A third party can refer to an entity that has a resource transfer relationship with the resource requester before the resource requester submits a resource loan request. For example, a third party can have a loan relationship with the resource requester. For example, in a real-world scenario, a third party might purchase products from the resource requester by signing an accounts receivable document with a promise to repay the loan within a certain period of time. Thus, a loan relationship exists between the third party and the resource requester.

[0058] Raw resource transfer information can refer to information about resource transfers between a third party and a resource requester. For example, in a real-world scenario, a third party might purchase products from a resource requester by signing an accounts receivable invoice with a promise to repay within a certain period of time. This raw resource transfer information could include the amount of money owed by the third party, the repayment date, the identity of the party responsible for repaying, and the identity of the party responsible for receiving the money.

[0059] Resource providers refer to entities that can loan resources to resource demanders. These resource providers can be financial institutions such as banks and lending companies.

[0060] Exemplarily, a resource provider receives a resource loan request from a resource demander, the resource loan request carrying a resource transfer type and original resource transfer information, and responds to the resource loan request by extracting the resource transfer type and original resource transfer information from the resource loan request.

[0061] Step 104: Obtain target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored in the alliance chain by a third party and is used to represent resource transfer information between the resource demander and the third party.

[0062] Among them, the target resource transfer information may refer to the information on resource transfer between the third party and the resource demander provided by the third party, and the target resource transfer information is stored on the alliance chain.

[0063] Exemplarily, the resource provider obtains target resource transfer information provided by a third party on the alliance chain based on the resource transfer type provided by the resource demander.

[0064] Step 106: Verify the original resource transfer information based on the target resource transfer information to obtain a verification result.

[0065] Exemplarily, the original resource transfer information provided by the resource demander is verified based on the target resource transfer information provided by a third party to obtain a verification result to determine whether the original resource transfer information provided by the resource demander is true and valid, thereby facilitating the evaluation of the resource secondment capability of the resource demander.

[0066] Step 108: If the verification result indicates that the original resource transfer information is true and valid, a resource secondment assessment is performed on the third party based on the original resource transfer information to obtain an assessment result of the third party.

[0067] For example, when the verification result indicates that the original resource transfer information is true and valid, it means that there is indeed a resource transfer relationship between the third party and the resource demander. At this time, a resource secondment assessment can be conducted on the third party based on the original resource transfer information provided by the resource demander to obtain an assessment result of the third party to determine whether the third party has the ability to return the seconded resources corresponding to the original resource transfer information.

[0068] Step 110: If the evaluation result indicates that the evaluation is passed, the third-party evaluation result is used as the resource demander's evaluation result.

[0069] For example, since there is a resource transfer relationship between the third party and the resource demander, when the evaluation result of the third party indicates that the evaluation is passed, it means that the third party has the ability to return the corresponding resource loan in the original resource transfer information. At this time, it can be considered that the resource demander also has the ability to return the corresponding resource loan, and the evaluation result of the third party can be used as the resource loan evaluation result of the resource demander.

[0070] For example, in a specific application scenario, Company A is a third party and Company B is the resource demander. When Company A signs an accounts receivable document (resource transfer information, which is the target resource transfer information for Company A and the original resource transfer information for Company B) by promising to repay within a certain period of time, Company B purchases some products from Company B. When Company B needs to obtain financing based on this accounts receivable document (original resource transfer information) that exceeds its creditworthiness and repayment capacity, the financial institution will only review the information based on Company B's creditworthiness and repayment capacity, resulting in Company B's approval failure. Alternatively, the financial institution will need to conduct a further review to verify the authenticity of the accounts receivable document. In this case, the financial institution must visit Company A's location and find the relevant person in charge to determine whether Company A signed the corresponding accounts receivable document and whether the repayment amount is accurate. This consumes a lot of manpower and resources, reduces the efficiency of the financial institution's review of financing operations, and is detrimental to Company B's financing.

[0071] In order to solve the above problems, this application proposes a resource loan evaluation method based on the alliance chain, which obtains the resource transfer type (transaction method between Company A and Company B) and original resource transfer information provided by Company B in the alliance chain, and then obtains the target resource transfer information provided by Company A from the alliance chain according to the resource transfer type, and then verifies the original resource transfer information according to the target resource transfer information to obtain a verification result. When the verification result indicates that the original resource transfer information is true and valid, a resource loan evaluation is performed on Company A according to the original resource transfer information to obtain an evaluation result of Company A to determine whether Formula A has the ability to return the corresponding resources. When the evaluation result of Company A indicates that the evaluation is passed, it means that Company A has the ability to return the corresponding resources. At this time, the evaluation result of Company A can be used as the evaluation result of Company B, thereby realizing the transfer of financing capabilities and resource return capabilities between different companies. Moreover, the entire audit process does not require an evaluation at the location of Company A, avoiding the manpower and material resources consumed by the audit operation and improving the efficiency of the audit.

[0072] The resource secondment evaluation method based on the alliance chain in the embodiment of the present application directly obtains the target resource transfer information on the alliance chain according to the resource transfer type provided by the resource demander, and then verifies the authenticity of the original resource transfer information based on the target resource transfer information. There is no need to go to the location of the third party for verification, which improves the audit efficiency; and when the verification result indicates that the original resource transfer information is true and valid, the resource secondment evaluation of the third party is directly performed based on the original resource transfer information to determine whether the third party is qualified for resource secondment, and the evaluation result of the third party is used as the evaluation result of the resource demander, so that there is no need to additionally evaluate the resource demander, which further saves the audit and evaluation process and further improves the efficiency of the audit.

[0073] See Figure 2 In some embodiments, the resource transfer type includes a first type for representing a resource transfer on the alliance chain and a second type for representing a resource transfer not on the alliance chain. Step 104 includes but is not limited to the following steps:

[0074] Step 202: If the resource transfer type is the first type, the log information of the resource transfer in the alliance chain is obtained, and the target resource transfer information is read from the log record according to the log information.

[0075] For example, when the resource transfer type is Type 1, it indicates that the resource transfer between the resource demander and the third party is conducted on a consortium chain. Log information about the resource transfer is recorded on the consortium chain's nodes. The resource demander records the log information of the consortium chain that processes the resource transfer and includes it in the resource loan request when initiating the resource loan request. The resource provider obtains the resource transfer log information provided by the resource demander based on the resource loan request and then searches the log record to obtain the corresponding target resource transfer information.

[0076] Step 204: If the resource transfer type is the second type, obtain the node address of the third party in the alliance chain, determine the resource transfer pool of the third party based on the node address, and match the resource demander in the resource transfer pool to obtain the target resource transfer information.

[0077] The resource transfer pool may refer to a sequence for storing third-party payable resource information. The resource transfer pool includes the company name of the account receivable and the amount of resources payable. For example, the resource transfer pool may use the format shown in Table 1 below to store the company name of the account receivable and the amount of resources payable.

[0078] Table 1

[0079] Accounts receivable company name Corresponding payment amount No. 1 Enterprise XXX Enterprise No. 2 XXX Enterprise No. 3 XXX

[0080] For example, when the resource transfer type is the second type, it means that the resource transfer is not carried out on the alliance chain. At this time, it is necessary to determine the corresponding resource transfer pool based on the node address of the third party in the alliance chain, and match the resource demander in the resource transfer pool to obtain the corresponding target resource transfer information.

[0081] For example, as shown in Table 1, first obtain the node address of the third party, then determine the corresponding resource transfer pool based on the node address of the third party, and determine the corresponding payment amount based on the enterprise name of the resource demander to obtain the target resource transfer information.

[0082] In some embodiments, the resource secondment evaluation method based on the alliance chain further includes but is not limited to the following steps: if the resource demander fails to be matched in the resource transfer pool, the resource secondment request is rejected.

[0083] Specifically, when the resource demander fails to be matched in the resource transfer pool, it means that the information of the resource demander is not found in the sequence of the corresponding third-party payable resource information. At this time, there may be an error in the original resource transfer information provided by the resource demander, or other abnormal situations may occur. In this case, the resource demander's resource secondment request is rejected.

[0084] Please refer to Figure 3 In some embodiments, step 106 includes but is not limited to the following steps:

[0085] Step 302: extract the target resource transfer amount and the name of the target transfer party from the target resource transfer information.

[0086] The target resource transfer amount may refer to the amount of resource transfer payable by a third party as stored in the target resource transfer information, or the amount of resource transfer receivable by the resource requester as stored in the target resource transfer information. For example, the target resource transfer amount may refer to the amount payable by a third party or the amount of accounts receivable by the resource requester.

[0087] The target transferee name may refer to the name information of the third party and the name information of the resource demander stored in the target resource transfer information. For example, the target transferee name may include the name of the company with accounts payable and the name of the company with accounts receivable.

[0088] Exemplarily, the resource transfer amount payable by the third party is extracted from the target resource transfer information to obtain the target resource transfer amount, and the stored name information of the third party and the name information of the resource demander are extracted to obtain the name of the target transferor.

[0089] Step 304: extract the original resource transfer amount and the name of the original transferor from the original resource transfer information.

[0090] The original resource transfer amount may refer to the amount of resource transfer payable by the third party as stored in the original resource transfer information, or the amount of resource transfer receivable by the resource demander as stored in the original resource transfer information. For example, the original resource transfer amount may refer to the amount payable by the third party or the amount of accounts receivable from the third party.

[0091] The original transferor name may refer to the name information of the third party and the name information of the resource demander stored in the original resource transfer information. For example, the original transferor name may include the name of the company with accounts payable and the name of the company with accounts receivable.

[0092] Exemplarily, the resource transfer amount payable by the third party is extracted from the original resource transfer information to obtain the original resource transfer amount, and the stored name information of the third party and the name information of the resource demander are extracted to obtain the name of the original transferor.

[0093] Step 306: Verify based on the target resource transfer amount, the original resource transfer amount, the target transferor name, and the original transferor name to obtain a verification result.

[0094] Exemplarily, the target resource transfer amount, the original resource transfer amount, the target transferor name, and the original transferor name are compared to verify the original resource transfer information and obtain a verification result.

[0095] like Figure 4 As shown, in some embodiments, the verification result includes a first verification result indicating that the original resource transfer information is authentic and valid, and a second verification result indicating that the original resource transfer information is unauthentic or invalid.

[0096] Step 306 includes but is not limited to the following steps:

[0097] Step 402: If the target resource transfer amount is equal to the original resource transfer amount, and the target transferee name is the same as the original transferee name, a first verification result is obtained.

[0098] Step 404: If at least one of the following conditions exists: the target resource transfer amount is smaller than the original resource transfer amount, or the target transferee name is different from the original transferee name, a second verification result is obtained.

[0099] Specifically, in this embodiment, the verification result is obtained by comparing the target resource transfer amount with the original resource transfer amount, and comparing the target transfer party name with the original transfer party name. When the target resource transfer amount is equal to the original resource transfer amount, and the target transfer party name is the same as the original transfer party name, it means that the original resource transfer information provided by the resource demander is consistent with the target resource transfer amount provided by the third party. In this case, the original resource transfer information is true and valid, and the corresponding verification result is the first verification result. When at least one of the following occurs: the target resource transfer amount is less than the original resource transfer amount, or the target transfer party name is different from the original transfer party name, it means that the original resource transfer information provided by the resource demander is inconsistent with the target resource transfer amount provided by the third party. In this case, the original resource transfer information is untrue or invalid, and the corresponding verification result is the second verification result.

[0100] The technical solution of the embodiment of the present application obtains a verification result by comparing the target resource transfer amount with the original resource transfer amount, and comparing the target transfer party name with the original transfer party name, thereby ensuring the legitimate rights and interests of the third party and preventing the resource demander from forging the original resource transfer information and causing loss of the interests of the third party.

[0101] In some embodiments, the resource loan evaluation method based on the alliance chain also includes but is not limited to the following steps: if the evaluation result indicates that the evaluation is passed, the resources are transferred to the account corresponding to the resource demander according to the original resource transfer information; and the resource transfer message is sent to a third party so that the third party updates the target resource transfer information.

[0102] Specifically, in this embodiment, if the assessment result indicates a passing assessment, indicating that the third party has the ability to return the resources specified in the original resource transfer information, the resource provider can transfer the resources to the corresponding account of the resource requester based on the original resource transfer amount recorded in the original resource transfer information. After transferring the resources, the resource provider needs to send a resource transfer message to the third party so that the third party can update the target resource transfer information, thereby protecting the third party's interests.

[0103] For example, in the above-mentioned actual application scenario, Company A has the ability to repay the amount payable in the original resource transfer information provided by Company B, that is, Company A has a higher credit or Company A has a higher repayment ability. At this time, the evaluation result of Company A indicates that the evaluation has passed. Since Company A needs to pay the corresponding amount to Company B, the ability to repay the amount payable by Company B is evaluated as passed. In this case, the financial institution can transfer the resources of the amount payable to the corresponding account of Company B so that Company B can complete the financing. After completing the transfer payment, the financial institution sends a resource transfer message to Company A so that Company A can update the corresponding target resource transfer information.

[0104] See Figure 5 and Figure 6 In some embodiments, the step of "a third party updates target resource transfer information" includes but is not limited to the following steps:

[0105] In step 502, the third party sends an information update request carrying a first message to the resource demander, so that the resource demander signs the first message according to a preset private key, obtains and returns a ciphertext message.

[0106] The first message may be a message sent by a third party to remind the resource demander that the target resource transfer information needs to be updated. The first message may be any plain text.

[0107] The ciphertext message may refer to a message obtained by encrypting the first message using the private key.

[0108] For example, when a resource provider loans resources to a resource requester, to protect the interests of the third party, the third party needs to update the target resource transfer information in the resource transfer pool. This update process can only be initiated by a third party. Furthermore, to protect the interests of the resource requester, the resource requester's approval is required before updating the target resource transfer information. Therefore, when initiating the update process, the third party needs to send an information update request containing a first message to the resource requester. The resource requester then signs the first message using a preset private key, obtains a ciphertext message, and sends it back.

[0109] In step 504, the third party verifies the encrypted message to obtain a second message.

[0110] The second message may refer to a plaintext message obtained by decrypting the ciphertext message.

[0111] Exemplarily, the third party decrypts and verifies the encrypted message using a preset public key to obtain the second message, wherein the public key corresponds to the private key in the above step and may be the public key of the resource demander.

[0112] Step 506: If the first message and the second message are the same, update the target resource transfer information according to the original resource transfer amount in the original resource transfer information.

[0113] Exemplarily, if the first message and the second message are identical, verification is successful. The target resource transfer information is then updated based on the original resource transfer amount in the original resource transfer information to obtain updated target resource transfer information. If, after the original resource transfer amount is transferred, the third party and the resource demander no longer have a resource loan relationship, the target resource transfer information can be deleted from the resource transfer pool.

[0114] In some embodiments, if the first message and the second message are different, the third party is denied permission to update the target resource transfer information.

[0115] For example, Figure 6 As shown, the following asymmetric encryption can be used to complete the approval process. For example, in the above application scenario, when Company A (a third party) needs to update the target resource transfer information, it can send an information update request carrying the original text 1 (the first message) to Company B (the resource demander). After Company B receives the information update request carrying the original text 1, it uses the preset private key to encrypt and sign the original text 1 to obtain the ciphertext message, and then sends the ciphertext message back to Company A. After Company A receives the ciphertext message, it uses the preset public key of the resource demander to decrypt and verify the ciphertext message to obtain the original text 2 (the second message), and then compares the original text 1 and the original text 2. If the original text 1 and the original text 2 are the same, the third party is allowed to update the target resource transfer information. If they are different, the third party is denied the ability to update the target resource transfer information.

[0116] It should be understood that, although the steps in the flowcharts of the above embodiments are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be performed in other orders. Moreover, at least a portion of the steps in the flowcharts of the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily to be performed in sequence, but can be performed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0117] Based on the same inventive concept, the present application also provides a consortium chain-based resource loan evaluation device for implementing the above-mentioned consortium chain-based resource loan evaluation method. The solution provided by the device is similar to the solution described in the above-mentioned method.

[0118] In one embodiment, Figure 7 As shown, a resource secondment evaluation device for a consortium chain is provided, comprising: a secondment request response module 702, an information acquisition module 704, a verification module 706, an evaluation module 708 and a processing module 710, wherein:

[0119] The secondment request response module 702 is used to respond to the resource secondment request of the resource demander in the alliance chain, obtain the resource transfer type provided by the resource demander and the original resource transfer information provided by the resource demander; the resource transfer type is used to characterize the resource transfer method between the resource demander and the third party in the alliance chain.

[0120] The information acquisition module 704 is used to obtain target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored in the alliance chain by a third party and is used to represent the resource transfer information between the resource demander and the third party.

[0121] The verification module 706 is configured to verify the original resource transfer information based on the target resource transfer information to obtain a verification result.

[0122] The evaluation module 708 is configured to, if the verification result indicates that the original resource transfer information is authentic and valid, perform a resource secondment evaluation on the third party based on the original resource transfer information to obtain an evaluation result of the third party.

[0123] Processing module 710 is used to use the third party's evaluation result as the resource demander's evaluation result if the evaluation result indicates that the evaluation has passed.

[0124] In some embodiments, the information acquisition module 704 includes:

[0125] The first target resource transfer information acquisition unit is used to obtain the log information of the resource transfer in the alliance chain if the resource transfer type is the first type, and read the target resource transfer information from the log record according to the log information.

[0126] The second target resource transfer information acquisition unit is used to obtain the node address of the third party in the alliance chain if the resource transfer type is the second type, determine the resource transfer pool of the third party according to the node address, and match the resource demander in the resource transfer pool to obtain the target resource transfer information.

[0127] In some embodiments, the resource loan evaluation device of the alliance chain further includes:

[0128] The rejection module is used to reject the resource secondment request if the resource demander fails to be matched in the resource transfer pool.

[0129] In some embodiments, the verification module 706 includes:

[0130] A first extraction unit is used to extract the target resource transfer amount and the target transfer party name from the target resource transfer information;

[0131] The second extraction unit is used to extract the original resource transfer amount and the name of the original transferor from the original resource transfer information;

[0132] The verification unit is used to perform verification based on the target resource transfer amount, the original resource transfer amount, the target transferor name and the original transferor name to obtain a verification result.

[0133] In some embodiments, the verification unit includes:

[0134] A first verification result subunit, configured to obtain a first verification result if the target resource transfer amount is equal to the original resource transfer amount and the target transferor name is the same as the original transferor name;

[0135] The second verification result subunit is configured to obtain a second verification result if at least one of the following exists: the target resource transfer amount is smaller than the original resource transfer amount, and the target transferee name is different from the original transferee name.

[0136] In some embodiments, the resource evaluation device based on the alliance chain further includes:

[0137] The resource transfer module is used to transfer resources to the account corresponding to the resource demander according to the original resource transfer information if the evaluation result indicates that the evaluation has passed.

[0138] The update module is used to send a resource transfer message to a third party so that the third party can update the target resource transfer information.

[0139] In some embodiments, the update module includes:

[0140] The information update request sending unit is used for a third party to send an information update request carrying a first message to a resource demander, so that the resource demander signs the first message according to a preset private key, obtains and returns a ciphertext message.

[0141] The ciphertext message verification unit is used for a third party to verify the ciphertext message to obtain a second message.

[0142] An updating unit is configured to update the target resource transfer information according to the original resource transfer amount in the original resource transfer information if the first message and the second message are the same.

[0143] Each module in the aforementioned consortium chain-based resource secondment assessment device can be implemented in whole or in part through software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0144] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 8As shown. The computer device includes a processor, a memory, an input / output interface (I / O) and a communication interface. The processor, memory and input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store the identity information, address information, original resource transfer information, data in the resource transfer pool of each third party, etc. of each resource demander in the alliance chain. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource loan assessment method based on the alliance chain is implemented.

[0145] Those skilled in the art will understand that Figure 8 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0146] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the steps of the above-mentioned resource secondment evaluation method based on the alliance chain are implemented.

[0147] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned resource secondment evaluation method based on the alliance chain are implemented.

[0148] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the steps of the above-mentioned resource secondment evaluation method based on alliance chain.

[0149] Those skilled in the art will understand that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, etc., but are not limited to these.

[0150] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0151] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A resource loan evaluation method based on alliance chain, characterized in that: The method comprises: In response to a resource loan request from a resource demander in a consortium chain, obtaining a resource transfer type provided by the resource demander and original resource transfer information provided by the resource demander; the resource transfer type is used to characterize a resource transfer method between the resource demander and a third party in the consortium chain; the resource transfer type includes a first type for characterizing a resource transfer on the consortium chain and a second type for characterizing a resource transfer not on the consortium chain; If the resource transfer type is the first type, obtaining log information of the resource transfer in the alliance chain, and reading target resource transfer information from the log record according to the log information; If the resource transfer type is the second type, obtaining the node address of the third party in the alliance chain, determining the resource transfer pool of the third party based on the node address, and matching the resource demander in the resource transfer pool to obtain the target resource transfer information; the target resource transfer information is stored by the third party in the alliance chain and is used to represent the resource transfer information between the resource demander and the third party; Extracting a target resource transfer amount and a target transferor name from the target resource transfer information; extracting an original resource transfer amount and an original transferor name from the original resource transfer information; performing verification based on the target resource transfer amount, the original resource transfer amount, the target transferor name, and the original transferor name to obtain a verification result; If the verification result indicates that the original resource transfer information is authentic and valid, performing a resource secondment assessment on the third party based on the original resource transfer information to obtain an assessment result of the third party; If the evaluation result indicates that the evaluation is passed, the evaluation result of the third party is used as the evaluation result of the resource demander.

2. The method according to claim 1, characterized in that The method further comprises: If the resource demander fails to be matched in the resource transfer pool, the resource secondment request is rejected.

3. The method according to claim 1, characterized in that The verification result includes a first verification result indicating that the original resource transfer information is true and valid, and a second verification result indicating that the original resource transfer information is untrue or invalid; The verification is performed according to the target resource transfer amount, the original resource transfer amount, the name of the target transferor, and the name of the original transferor to obtain a verification result, including: If the target resource transfer amount is equal to the original resource transfer amount, and the target transferor name is the same as the original transferor name, a first verification result is obtained; If at least one of the following occurs: the target resource transfer amount is smaller than the original resource transfer amount, and the target transferor name is different from the original transferor name, a second verification result is obtained.

4. The method according to claim 1 or 2, characterized in that The method further comprises: If the evaluation result indicates that the evaluation is passed, the resources are transferred to the account corresponding to the resource demander according to the original resource transfer information; A resource transfer message is sent to the third party, so that the third party updates the target resource transfer information.

5. The method according to claim 4, characterized in that The third party updates the target resource transfer information, including: The third party sends an information update request carrying a first message to the resource demander, so that the resource demander signs the first message according to a preset private key, obtains and returns a ciphertext message; The third party verifies the encrypted message to obtain a second message; If the first message and the second message are the same, the target resource transfer information is updated according to the original resource transfer amount in the original resource transfer information.

6. A resource loan evaluation device based on alliance chain, characterized in that: The device comprises: A secondment request response module is configured to respond to a resource secondment request from a resource demander in the consortium chain and obtain a resource transfer type and original resource transfer information provided by the resource demander; the resource transfer type is used to characterize the resource transfer method between the resource demander and a third party in the consortium chain; An information acquisition module, configured to acquire target resource transfer information from the alliance chain according to the resource transfer type; the target resource transfer information is stored in the alliance chain by the third party and is used to represent resource transfer information between the resource demander and the third party; A verification module, configured to verify the original resource transfer information based on the target resource transfer information to obtain a verification result; An evaluation module, configured to, if the verification result indicates that the original resource transfer information is authentic and valid, perform a resource secondment evaluation on the third party based on the original resource transfer information to obtain an evaluation result of the third party; a processing module, configured to use the third party's evaluation result as the resource demander's evaluation result if the evaluation result indicates that the evaluation has passed; The information acquisition module includes: a first target resource transfer information acquisition unit, which is used to obtain the log information of the resource transfer in the alliance chain if the resource transfer type is the first type, and obtain the target resource transfer information from the log record according to the log information; a second target resource transfer information acquisition unit, which is used to obtain the node address of the third party in the alliance chain if the resource transfer type is the second type, determine the resource transfer pool of the third party according to the node address, and match the resource demander in the resource transfer pool to obtain the target resource transfer information; The verification module includes: a first extraction unit, used to extract the target resource transfer amount and the target transfer party name from the target resource transfer information; a second extraction unit, used to extract the original resource transfer amount and the original transfer party name from the original resource transfer information; a verification unit, used to perform verification based on the target resource transfer amount, the original resource transfer amount, the target transfer party name and the original transfer party name to obtain a verification result.

7. The device according to claim 6, characterized in that The resource loan evaluation device of the alliance chain also includes: a rejection module, which is used to reject the resource loan request if the resource demander fails to be matched in the resource transfer pool.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

10. A computer program product, comprising a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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