Resource borrowing consensus determination method and apparatus, computer device, and storage medium

Abstract

The application relates to the technical field of big data processing, and specifically discloses a resource borrowing consensus determination method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: determining a processed party that has processed a processing request carrying a resource borrowing protocol; if the proportion of the processed party in a plurality of processing parties satisfies a first proportion condition, extracting a target processing opinion representing agreement to execute the protocol from each processing opinion; if the proportion of the number of the target processing opinions in the total number of the plurality of processing parties satisfies a second proportion condition, determining an initial consensus reached by the plurality of processing parties and sending the initial consensus to the plurality of processing parties for review; and in the case where the consensus reached by the plurality of processing parties in the review process is consistent with the initial consensus, taking the initial consensus as the target consensus of the plurality of processing parties for the resource borrowing protocol. The method can accurately and quickly determine the resource borrowing consensus in a joint resource borrowing scenario under the condition that the network environment is poor and there are interferers.

Description

Resource borrowing consensus determination methods, apparatus, computer equipment, and storage media Technical Field

[0001] This application relates to the field of big data processing technology, and in particular to a method, apparatus, computer equipment, storage medium, and computer program product for determining consensus on resource borrowing. Background Technology

[0002] In traditional resource borrowing scenarios, the process typically involves a one-to-one interaction between the initiator and the processor of the resource borrowing agreement. However, in collaborative resource borrowing scenarios, multiple processors need to jointly review the resource borrowing agreement to reach a consensus on whether to execute it. Each processor can influence the review outcome, and generally, all processors must agree to the agreement for the resource borrowing to be successfully completed.

[0003] In collaborative resource sharing scenarios, multiple processing parties typically communicate via a distributed network. However, due to the complexity and uncontrollability of distributed networks, a network failure at any processing party can cause the protocol approval process based on the distributed network to collapse, impacting the efficiency of consensus-building among multiple processing parties. Furthermore, due to the large number of processing parties, individual parties may frequently vote against the protocol, interfering with the joint review process and leading to incorrect consensus outputs or requiring multiple rounds of re-approval, further affecting the efficiency of consensus-building among multiple processing parties.

[0004] Therefore, traditional consensus-building methods are insufficient to accurately and quickly determine resource borrowing consensus in collaborative resource borrowing scenarios, especially in poor network environments and with the presence of interferers. Summary of the Invention

[0005] Therefore, it is necessary to provide a resource borrowing consensus determination method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can accurately and quickly determine resource borrowing consensus in a joint resource borrowing scenario under poor network conditions and the presence of interferers, in order to address the above-mentioned technical problems.

[0006] Firstly, this application provides a method for determining consensus on resource borrowing. The method includes:

[0007] The processing request carrying the resource borrowing agreement is sent to multiple processing parties that have established a joint relationship, and the processing party that has processed the processing request and returned the processing opinion is identified.

[0008] If the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, extract the target processing opinion representing agreement to execute the agreement from each processing opinion;

[0009] If the number of target processing opinions meets the second proportion condition as a proportion of the total number of multiple processing parties, the initial consensus reached by the multiple processing parties is determined, and the initial consensus is sent to the multiple processing parties for review.

[0010] If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus shall be regarded as the target consensus reached by multiple processing parties regarding the resource borrowing agreement.

[0011] In one embodiment, the method further includes:

[0012] When the initiator initiates a resource borrowing request on the platform, the resource borrowing request forwarded by the platform is obtained;

[0013] Based on the resource borrowing request, a resource borrowing agreement is generated;

[0014] The processing request carrying the resource borrowing agreement is sent to multiple processing parties that have established a federation, including:

[0015] Based on the resource borrowing amount and resource return information carried in the resource borrowing agreement, identify multiple processing parties that have established a joint relationship and are matched with the resource borrowing agreement.

[0016] The processing request carrying the resource borrowing agreement is sent to multiple processing parties.

[0017] In one embodiment, the method further includes:

[0018] If the proportion of the number of processed parties to the total number of multiple processed parties does not meet the first proportion condition, or the proportion of the number of target processed opinions to the total number of multiple processed parties does not meet the second proportion condition, multiple processed parties are replaced, and multiple updated processed parties with joint relationships are identified.

[0019] The processing request is sent to multiple update handlers for processing.

[0020] In one embodiment, the method further includes:

[0021] For the same resource borrowing agreement, if the number of times the processing party is changed reaches the threshold and no target consensus indicating agreement to execute the agreement is received, a notification of rejection of resource borrowing is returned to the initiator of the resource borrowing agreement.

[0022] If the initiator modifies the resource borrowing agreement, obtain the updated resource borrowing agreement;

[0023] The processing request, carrying the updated resource borrowing agreement, is sent to multiple newly selected update processors that have established a federation relationship for processing.

[0024] In one embodiment, the method further includes:

[0025] If a target consensus representing agreement to execute the resource borrowing agreement is received, the target consensus is forwarded to the platform, and a resource borrowing notification is returned by the platform.

[0026] Determine the resource borrowing ratio for each of the multiple parties that have reached a consensus on the objectives;

[0027] The resource borrowing notice and the respective resource borrowing ratio of each target processor are sent to each target processor so that each target processor can transfer resources to the initiator of the resource borrowing agreement in accordance with its respective resource borrowing ratio and the resource borrowing notice.

[0028] Once it is confirmed that each target processing party has transferred resources to the initiator of the resource borrowing agreement according to their respective resource borrowing ratios, a notification of successful resource borrowing will be returned to the platform.

[0029] In one embodiment, the method further includes:

[0030] The total number of processing opinions returned by each processing party within a set time period, and the number of processing opinions returned indicating a refusal to execute the protocol, are statistically analyzed separately.

[0031] When the number of processing opinions returned by the processor indicating refusal to execute the protocol exceeds a certain threshold, an early warning is sent to the processor.

[0032] Secondly, this application also provides a resource borrowing consensus determination apparatus. The apparatus includes:

[0033] The module for determining the processed party is used to send processing requests carrying resource borrowing agreements to multiple processing parties that have established a joint relationship, determine the processed party that has processed the processing request, and return the processing opinion.

[0034] The target processing opinion extraction module is used to extract the target processing opinion representing agreement to execute the agreement from each processing opinion if the proportion of the number of processed parties to the total number of multiple processing parties meets the first proportion condition.

[0035] The initial consensus determination module is used to determine the initial consensus reached by multiple processing parties if the proportion of the number of target processing opinions to the total number of multiple processing parties meets the second proportion condition, and to send the initial consensus to multiple processing parties for review.

[0036] The target consensus determination module is used to determine the initial consensus as the target consensus reached by multiple processors for the resource borrowing agreement, provided that the consensus reached by multiple processors during the review process is consistent with the initial consensus.

[0037] In one embodiment, the device further includes:

[0038] The processor determination module is used to obtain the resource borrowing request forwarded by the platform when the initiator initiates the resource borrowing request on the platform; generate a resource borrowing agreement based on the resource borrowing request; determine multiple processors that have established a joint relationship with the resource borrowing agreement based on the resource borrowing amount and resource return information carried in the resource borrowing agreement; and send the processing request carrying the resource borrowing agreement to the multiple processors.

[0039] In one embodiment, the device further includes:

[0040] The processor replacement module is used to replace multiple processors when the proportion of the number of already processed processors to the total number of processors does not meet the first proportion condition, or the proportion of the number of target processing opinions to the total number of processors does not meet the second proportion condition, and to identify multiple update processors with joint relationships; and to send the processing request to the multiple update processors for processing.

[0041] In one embodiment, the device further includes:

[0042] The update protocol processing module is used to return a notification of rejection of resource borrowing to the initiator of the resource borrowing protocol when the number of times the processor is changed reaches a threshold and no target consensus indicating agreement to execute the protocol is received for the same resource borrowing protocol; when the initiator modifies the resource borrowing protocol, the module obtains the updated resource borrowing protocol; and sends the processing request carrying the updated resource borrowing protocol to multiple newly selected update processors with joint relationships for processing.

[0043] In one embodiment, the device further includes:

[0044] The resource borrowing notification return module is used to forward the target consensus, which represents agreement to execute the resource borrowing agreement, to the platform upon receiving such consensus, and to receive a resource borrowing notification from the platform. It then determines the resource borrowing ratio for each of the multiple target processing parties that have reached the target consensus; sends the resource borrowing notification and the respective resource borrowing ratio to each target processing party, so that each target processing party transfers resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notification; and returns a resource borrowing success notification to the platform after confirming that all target processing parties have transferred resources to the initiator of the resource borrowing agreement according to their respective resource borrowing ratios.

[0045] In one embodiment, the device further includes:

[0046] The warning notification sending module is used to count the total number of processing opinions returned by each processing party within a set time period, as well as the number of processing opinions indicating refusal to execute the protocol. When the proportion of processing opinions indicating refusal to execute the protocol returned by a processing party exceeds a certain threshold, a warning notification is sent to the processing party.

[0047] Thirdly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to perform the following steps:

[0048] The processing request carrying the resource borrowing agreement is sent to multiple processing parties that have established a joint relationship, and the processing party that has processed the processing request and returned the processing opinion is identified.

[0049] If the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, extract the target processing opinion representing agreement to execute the agreement from each processing opinion;

[0050] If the number of target processing opinions meets the second proportion condition as a proportion of the total number of multiple processing parties, the initial consensus reached by the multiple processing parties is determined, and the initial consensus is sent to the multiple processing parties for review.

[0051] If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus shall be regarded as the target consensus reached by multiple processing parties regarding the resource borrowing agreement.

[0052] Fourthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, performs the following steps:

[0053] The processing request carrying the resource borrowing agreement is sent to multiple processing parties that have established a joint relationship, and the processing party that has processed the processing request and returned the processing opinion is identified.

[0054] If the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, extract the target processing opinion representing agreement to execute the agreement from each processing opinion;

[0055] If the number of target processing opinions meets the second proportion condition as a proportion of the total number of multiple processing parties, the initial consensus reached by the multiple processing parties is determined, and the initial consensus is sent to the multiple processing parties for review.

[0056] If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus shall be regarded as the target consensus reached by multiple processing parties regarding the resource borrowing agreement.

[0057] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0058] The processing request carrying the resource borrowing agreement is sent to multiple processing parties that have established a joint relationship, and the processing party that has processed the processing request and returned the processing opinion is identified.

[0059] If the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, extract the target processing opinion representing agreement to execute the agreement from each processing opinion;

[0060] If the number of target processing opinions meets the second proportion condition as a proportion of the total number of multiple processing parties, the initial consensus reached by the multiple processing parties is determined, and the initial consensus is sent to the multiple processing parties for review.

[0061] If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus shall be regarded as the target consensus reached by multiple processing parties regarding the resource borrowing agreement.

[0062] The aforementioned resource borrowing consensus determination method, apparatus, computer equipment, storage medium, and computer program product send a processing request carrying a resource borrowing protocol to multiple processing parties with established associations. It identifies the processing parties that have returned processing opinions. If the number of processing parties meets a first proportion condition relative to the total number of processing parties, a target processing opinion representing agreement to execute the protocol is extracted from each processing opinion. This ensures timely feedback from multiple processing parties, advancing subsequent processes and avoiding wasting time on processing parties that cannot provide timely feedback, thus affecting consensus determination efficiency. If the number of target processing opinions meets a second proportion condition relative to the total number of processing parties, an initial consensus reached by the multiple processing parties is determined. This allows for processing parties not returning processing opinions in a timely manner due to poor network conditions, and also allows for interference from parties rejecting the protocol. When the proportion of target processing opinions reaches the target, a consensus agreeing to execute the protocol can be output. This avoids the impact of poor network conditions or interference on the output consensus, thereby improving the accuracy of consensus determination. Then, the initial consensus is sent to multiple processing parties for review. If the consensus reached by the multiple processing parties during the review process is consistent with the initial consensus, the initial consensus is taken as the target consensus. Throughout the process, by ensuring that multiple processing parties can provide timely feedback, the processing flow can be advanced, which can improve the efficiency of consensus determination. Furthermore, by setting a second proportional condition, it can be ensured that consensus can still be accurately output even when some processing parties have poor network conditions or there are interfering parties. Therefore, it is possible to accurately and quickly determine resource borrowing consensus in joint resource borrowing scenarios even in poor network environments and with the presence of interfering parties. Attached Figure Description

[0063] Figure 1 is an application environment diagram of a resource borrowing consensus determination method in one embodiment;

[0064] Figure 2 is a flowchart illustrating a resource borrowing consensus determination method in one embodiment;

[0065] Figure 3 is a schematic diagram of the process of sending a processing request to the processor in one embodiment;

[0066] Figure 4 is a schematic diagram of the process of sending a processing request to the update processor in one embodiment;

[0067] Figure 5 is a schematic diagram of the process of sending a processing request to the update processor in another embodiment;

[0068] Figure 6 is a flowchart illustrating the process of sending the resource borrowing ratio in one embodiment;

[0069] Figure 7 is a schematic diagram of the process for sending an early warning notification in one embodiment;

[0070] Figure 8 is a schematic diagram of the process of implementing joint resource borrowing in one embodiment;

[0071] Figure 9 is a structural block diagram of a resource borrowing consensus determination device in one embodiment;

[0072] Figure 10 is an internal structure diagram of a computer device in one embodiment. Detailed Implementation

[0073] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0074] It should be noted that the user information or information of all parties involved in this application (including but not limited to initiator information, initiator device information, platform information, platform device information, resource borrowing related information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc. involved in the resource borrowing agreement processing) are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0075] The resource borrowing consensus determination method provided in this application embodiment can be applied to the resource consensus determination system shown in Figure 1. The resource consensus determination system includes an initiating terminal 102, a platform server 104, a resource borrowing management server 106, and multiple processing terminals 108. The resource borrowing management server 106 can communicate with the initiating terminal 102, the platform server 104, and the multiple processing terminals 108 via a network. The initiating terminal 102 can communicate with the platform server 104 via a network. A data storage system can store the data that the resource borrowing management server 106 needs to process. The data storage system can be integrated on the resource borrowing management server 106 or placed on a cloud or other network server.

[0076] Specifically, the resource borrowing management server 106 can obtain the resource borrowing request initiated by the initiating terminal 102 to the platform server 104 from the platform server 104, thereby generating a resource borrowing agreement. Furthermore, the resource borrowing management server 106 can send processing requests carrying the resource borrowing protocol to multiple processing terminal 108s that have established a joint relationship, so that multiple processing parties can process the processing requests carrying the resource borrowing protocol. Then, the resource borrowing management server 106 can determine the parties that have processed the processing requests and returned processing opinions based on the processing opinions returned by the multiple processing terminal 108s. If the number of processed parties meets a first ratio condition, the target processing opinion representing agreement to execute the protocol is extracted from each processing opinion. If the number of target processing opinions meets a second ratio condition, the initial consensus reached by the multiple processing parties can be determined, and the initial consensus is sent to the multiple processing terminal 108s so that the multiple processing parties can review the initial consensus. If the consensus reached by the multiple processing parties during the review process is consistent with the initial consensus, the initial consensus is taken as the target consensus reached by the multiple processing parties for the resource borrowing protocol.

[0077] The initiating terminal 102 and multiple processing terminals 108 can be, but are not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, and smart in-vehicle devices. Portable wearable devices can include smartwatches, smart bracelets, and head-mounted devices. The platform server 104 and resource borrowing management server 106 can be implemented using independent servers or a server cluster composed of multiple servers. Specifically, the platform can be a one-stop lifestyle service platform, providing users with various types of services, including but not limited to resource borrowing services. The platform server 104 can respond to resource borrowing requests initiated by the initiating terminal 102 and forward the requests to the resource borrowing management server 106 for processing. The resource borrowing management server 106 can return the review results of the resource borrowing agreement returned by the multiple processing terminals 108 to the initiating terminal 102 or the platform server 104 via the network. The processing parties can be compliant certification bodies or organizations with resource borrowing qualifications.

[0078] In one embodiment, as shown in Figure 2, a resource borrowing consensus determination method is provided. Taking the application of this method to the resource borrowing management server in Figure 1 as an example, the method includes the following steps:

[0079] Step 202: Send the processing request carrying the resource borrowing agreement to multiple processing parties that have established a joint relationship, identify the processing party that has processed the processing request and return the processing opinion.

[0080] The resource borrowing agreement includes information on the amount of resources borrowed, resource return information, and information on the initiator of the agreement. Resource return information includes, but is not limited to, the return period, the number of returns, and the amount of resources to be returned each time. Multiple processing parties with a joint relationship are identified as those that have signed electronic or paper agreements, forming a joint relationship and agreeing to jointly provide resources.

[0081] Optionally, the resource borrowing management server can first identify multiple processing parties with established associations, and send a processing request carrying the resource borrowing agreement to these parties. Then, based on the processing responses received from multiple processing parties within a set time period, it can determine which party has processed the request and returned the processing response. The set time period can be configured according to actual needs.

[0082] Step 204: If the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, extract the target processing opinion representing agreement to execute the agreement from each processing opinion.

[0083] The processing opinions can be specifically divided into: agreeing to execute the agreement and refusing to execute the agreement. Meeting the first proportion condition indicates that the number of processed parties that have returned processing opinions is greater than or equal to a preset first proportion, which can be configured according to actual needs. The setting of the first proportion must ensure that the proportion of processed parties that have returned processing opinions is significantly greater than the proportion of unprocessed parties that have not returned processing opinions. Meeting the first proportion condition, where the number of processed parties accounts for the total number of processing parties, specifically indicates that the majority of processing parties can promptly process processing requests carrying resource borrowing agreements.

[0084] Optionally, if the proportion of the number of processed parties to the total number of multiple processed parties meets the first proportion condition, the resource borrowing management server can determine that the current multiple processed parties can promptly process the processing request carrying the resource borrowing agreement, thereby advancing the processing flow for the processing request, and extracting the target processing opinion representing agreement to execute the agreement from each processing opinion.

[0085] Step 206: If the number of target processing opinions accounts for the total number of multiple processing parties, the second proportion condition is met, the initial consensus reached by multiple processing parties is determined, and the initial consensus is sent to multiple processing parties for review.

[0086] The second ratio condition is characterized by the following: the number of parties who have agreed to execute the agreement is greater than or equal to a preset second ratio, which can be configured according to actual needs. The second ratio must be set to ensure that the proportion of parties who have agreed to execute the agreement is significantly greater than the sum of the proportion of parties who have not returned processing opinions and the proportion of parties who have refused to execute the agreement. Specifically, the second ratio condition, which specifies that the majority of parties agree to execute the agreement, indicates that the number of target processing opinions relative to the total number of parties is equal to the number of parties who have agreed to execute the agreement.

[0087] Optionally, if the number of target processing opinions meets the second proportion condition for the total number of multiple processing parties, the resource borrowing management server can take the agreement to execute the protocol as the initial consensus reached by multiple processing parties and send the initial consensus to multiple processing parties for review.

[0088] Step 208: If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus shall be taken as the target consensus reached by multiple processing parties for the resource borrowing agreement.

[0089] Optionally, during the review process, the resource borrowing management server can receive review opinions from multiple processors within a set time for the initial consensus, and determine the consensus reached by the multiple processors during the review process based on the received review opinions. If the consensus reached by the multiple processors during the review process is consistent with the initial consensus, the resource borrowing management server can use the initial consensus as the target consensus reached by the multiple processors for the resource borrowing agreement.

[0090] In one embodiment, if the proportion of the number of processed parties to the total number of multiple processed parties does not meet the first proportion condition, the resource borrowing management server can determine that the current multiple processed parties cannot process the processing request carrying the resource borrowing protocol in a timely manner. Therefore, step 210 can be executed to replace the multiple processed parties.

[0091] In one embodiment, if the proportion of the number of target processing opinions to the total number of multiple processing parties does not meet the second proportion condition, the resource borrowing management server can take the refusal to execute protocol as the initial consensus reached by multiple processing parties. Since the initial consensus is the refusal to execute protocol, the resource borrowing management server can determine that the current multiple processing parties do not need to proceed with the subsequent process. Therefore, step 210 can be executed to replace multiple processing parties.

[0092] In one embodiment, if the consensus reached by multiple processing parties during the review process is inconsistent with the initial consensus (i.e., the initial consensus is to agree to execute the agreement, while the consensus reached during the review process is to refuse to execute the agreement), the resource borrowing management server can determine that the current multiple processing parties do not need to proceed with the subsequent process. Therefore, step 210 can be executed to replace the multiple processing parties.

[0093] In the aforementioned resource borrowing consensus determination method, a processing request carrying a resource borrowing agreement is sent to multiple processing parties with established joint relationships. The processing parties that have returned processing opinions are identified. If the number of processing parties meets the first proportion condition relative to the total number of processing parties, a target processing opinion representing agreement to execute the agreement is extracted from each processing opinion. This ensures timely feedback from multiple processing parties, allowing subsequent processes to proceed and avoiding wasting time on processing parties that cannot provide timely feedback, thus affecting consensus determination efficiency. If the number of target processing opinions meets the second proportion condition relative to the total number of processing parties, an initial consensus reached by multiple processing parties is determined. This allows for processing parties not returning processing opinions in a timely manner due to poor network conditions, and also allows for interference parties rejecting the agreement. When the proportion of target processing opinions reaches the target, a consensus agreeing to execute the agreement can be output. This avoids the impact of poor network conditions or interference parties on the output consensus, thereby improving the accuracy of consensus determination. Then, the initial consensus is sent to multiple processing parties for review. If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus is taken as the target consensus. Throughout the process, by ensuring that multiple processing parties can provide timely feedback, the processing flow can be advanced, which can improve the efficiency of consensus determination. Furthermore, by setting a second proportional condition, it can be ensured that consensus can still be accurately output even when some processing parties have poor network conditions or there are interfering parties. Therefore, it is possible to accurately and quickly determine resource borrowing consensus in joint resource borrowing scenarios even in poor network environments and with the presence of interfering parties.

[0094] In one embodiment, as shown in FIG3, the method further includes:

[0095] Step 302: If the initiator initiates a resource borrowing request on the platform, obtain the resource borrowing request forwarded by the platform.

[0096] The platform server and the resource borrowing management server can communicate over the network to forward resource borrowing requests to the resource borrowing management server. The resource borrowing request must include at least the amount of resources borrowed, resource return information, and information about the initiator of the resource borrowing agreement. The resource return information includes, but is not limited to, the period for returning resources, the number of times resources need to be returned, and the amount of resources to be returned each time.

[0097] Optionally, when the initiator initiates a resource borrowing request on the platform through the initiator's terminal, the platform server can send the resource borrowing request to the resource borrowing management server. The resource borrowing management server can receive the message forwarded by the platform server and obtain the resource borrowing request forwarded by the platform server.

[0098] Step 304: Generate a resource borrowing agreement based on the resource borrowing request.

[0099] Optionally, the resource management server can identify resource borrowing requests and generate a resource borrowing agreement based on the identified information, ensuring that the information carried in the resource borrowing agreement is consistent with the information carried in the resource borrowing request.

[0100] Step 306: Based on the resource borrowing amount and resource return information carried in the resource borrowing agreement, identify multiple processing parties that have established a joint relationship with the resource borrowing agreement.

[0101] Each association has its own corresponding resource borrowing threshold and acceptable resource borrowing and return methods.

[0102] Optionally, the resource borrowing management server can determine the association that matches the resource borrowing agreement and the multiple processing parties constituting the association from multiple associations stored in the data storage system, based on the resource borrowing amount and resource return information carried in the resource borrowing agreement.

[0103] For example, when multiple processors establish a joint relationship, they can pre-determine the resource borrowing threshold they can participate in and the acceptable resource borrowing and return methods. The resource borrowing management server can communicate with each processor terminal to obtain and store the multiple processors included in each joint relationship, the borrowing threshold corresponding to each joint relationship, and the acceptable resource borrowing and return methods for each joint relationship. Therefore, after generating a resource borrowing agreement, the resource borrowing management server can determine the multiple processors that have established a joint relationship matching the resource borrowing agreement based on the resource borrowing amount and resource return information carried in the resource borrowing agreement. The resource borrowing amount in the resource borrowing agreement is less than the resource borrowing threshold corresponding to the determined joint relationship.

[0104] Step 308: Send the processing request carrying the resource borrowing agreement to multiple processing parties.

[0105] Optionally, the resource borrowing management server can communicate with multiple processing terminals and send processing requests carrying the resource borrowing protocol to the respective terminals of each processing party.

[0106] In this embodiment, by using the resource borrowing amount and resource return information carried in the resource borrowing protocol, multiple processing parties matching the resource borrowing protocol are determined. On the one hand, this ensures that the resource borrowing protocol sent to multiple processing parties is within the acceptable range of multiple processing parties, which can reduce the probability of the resource borrowing protocol being rejected, thereby reducing the number of times processing parties need to be changed, which is conducive to improving the processing efficiency of the resource borrowing protocol and thus improving the determination efficiency of the resource borrowing consensus. On the other hand, it can also avoid the processing parties spending time processing protocols that are not within the acceptance range, which can further improve the determination efficiency of the resource borrowing consensus.

[0107] In one embodiment, based on step 210 in Figure 2, that is, when the proportion of the number of processed parties to the total number of multiple processed parties does not meet the first proportion condition, or the proportion of the number of target processed opinions to the total number of multiple processed parties does not meet the second proportion condition, and multiple processed parties are replaced, as shown in Figure 4, the method further includes:

[0108] Step 212: Identify the multiple update processing parties that have established a joint relationship.

[0109] Optionally, the resource borrowing management server can, based on the resource borrowing amount and resource return information carried in the resource borrowing agreement, re-determine the update association that matches the resource borrowing agreement from multiple associations stored in the data storage system, as well as the multiple update processing parties that constitute the update association.

[0110] Step 214: Send the processing request to multiple update processors for processing.

[0111] Optionally, the resource borrowing management server can communicate with multiple update processing terminals, sending processing requests carrying the resource borrowing protocol to the respective terminals of each update processing party.

[0112] In this embodiment, by changing the update association and multiple update processors that match the resource borrowing protocol, the success rate of the resource borrowing protocol can be improved, thus enhancing the resource borrowing experience for the initiator. Furthermore, determining the update association and multiple update processors that match the resource borrowing protocol based on the resource borrowing amount and return information carried in the resource borrowing protocol also helps reduce the probability of the resource borrowing protocol being rejected, thereby reducing the number of times processors need to be changed and improving the efficiency of determining the resource borrowing consensus. On the other hand, it can avoid processors wasting time processing protocols that are not within the acceptance range, further improving the efficiency of determining the resource borrowing consensus.

[0113] In one embodiment, as shown in FIG5, the method further includes:

[0114] Step 502: For each resource borrowing agreement, count the number of times the processing party is changed during the processing of processing requests carrying resource borrowing agreements.

[0115] Optionally, for each resource borrowing agreement, before receiving a target consensus indicating agreement to execute the resource borrowing agreement, the resource borrowing management server may count the number of times the processing party is changed during the processing of processing requests carrying resource borrowing agreements.

[0116] Step 504: For the same resource borrowing agreement, if the number of times the processor is changed reaches the threshold and no target consensus indicating agreement to execute the agreement is received, a notification of rejection of resource borrowing is returned to the initiator of the resource borrowing agreement.

[0117] The number of times threshold can be flexibly configured according to the actual application scenario.

[0118] Optionally, for the same resource borrowing agreement, if the number of times the processing party has been changed reaches a threshold and no consensus indicating agreement to execute the agreement is received, the resource borrowing management server will terminate the process of processing the resource borrowing agreement and return a notification of rejection of resource borrowing to the initiator of the resource borrowing agreement by communicating with the initiator terminal of the resource borrowing agreement.

[0119] Step 506: If the initiator modifies the resource borrowing agreement, obtain the updated resource borrowing agreement.

[0120] Optionally, if the initiator modifies the resource borrowing agreement, the resource borrowing management server can obtain the updated resource borrowing agreement forwarded by the platform server by communicating with the platform server.

[0121] Step 508: The processing request carrying the updated resource borrowing agreement is sent to multiple newly selected update processing parties with a joint relationship for processing.

[0122] Optionally, the resource borrowing management server can communicate with multiple update processing terminals to send processing requests carrying the updated resource borrowing agreement to multiple reselected update processing parties with established association relationships for processing.

[0123] For example, the resource borrowing management server can determine the update association that matches the update resource borrowing agreement and the multiple update processing parties that constitute the update association from multiple associations stored in the data storage system, based on the resource borrowing amount and resource return information carried in the update resource borrowing agreement.

[0124] It is understandable that if the number of times the processor is changed does not reach the threshold, the resource borrowing management server can execute step 510 to change the processor again.

[0125] In this embodiment, if the processing party is changed multiple times for the same resource borrowing agreement and no target consensus indicating agreement to execute the agreement is received, the approval process for the resource borrowing agreement will be terminated. This avoids spending too much review time on the same resource borrowing agreement, reduces the occupation of the processing party's review resources by invalid resource borrowing agreements, and helps improve the efficiency of resource borrowing processing, thereby improving the efficiency of determining resource borrowing consensus.

[0126] In one embodiment, as shown in FIG6, the method further includes:

[0127] Step 602: If a target consensus representing agreement to execute the resource borrowing agreement is received, the target consensus is forwarded to the platform, and a resource borrowing notification is returned by the platform.

[0128] The resource borrowing notification specifies the total amount of resources that multiple target processing parties that have reached a consensus on the objectives need to provide or transfer.

[0129] Optionally, if a target consensus representing agreement to execute the resource borrowing agreement is received, the resource borrowing management server can communicate with the platform server to forward the target consensus to the platform and receive a resource borrowing notification from the platform.

[0130] Step 604: Determine the resource borrowing ratio of each of the multiple target processing parties that have reached a consensus on the target.

[0131] Optionally, after receiving the resource borrowing notification from the platform, the resource borrowing management server can determine the resource borrowing ratio of each of the multiple target processing parties that have reached a consensus on the target based on the terms information in the joint relationship built by multiple target processing parties.

[0132] For example, if multiple target processing parties do not determine the terms related to the resource borrowing ratio when establishing a joint relationship, the resource borrowing management server can determine the resource borrowing ratio of each target processing party based on the resource records provided by each target processing party in the joint resource borrowing scenario.

[0133] For example, the resource borrowing management server can communicate with each processing terminal to update the association relationships stored in the data storage system in real time, such as adding, deleting, or editing each association relationship, to ensure that when determining the resource borrowing ratio of each processing party included in the association relationship, an effective funding ratio can be obtained.

[0134] Step 606: Send the resource borrowing notice and the resource borrowing ratio of each target processor to each target processor, so that each target processor can transfer resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notice.

[0135] Each target processing party can determine the amount of resources it needs to transfer based on the total amount of resources to be transferred carried in the resource borrowing notice and its own resource borrowing ratio.

[0136] Optionally, the resource borrowing management server can communicate with each target processing terminal to send resource borrowing notifications and the resource borrowing ratio of each target processing terminal to each target processing terminal.

[0137] For example, if a target processor returns a message indicating disagreement with the resource borrowing ratio, the resource borrowing management server can forward this message to other processors in the associated network. If the resource borrowing management server does not receive the renegotiated resource borrowing ratio from all processors in the associated network within a specified time, the resource borrowing management server can perform the operation of replacing multiple processors. If, within a specified time, the resource borrowing management server receives the renegotiated resource borrowing ratio from all processors in the associated network, the resource borrowing management server can send a resource borrowing notification and the renegotiated resource borrowing ratio to each target processor, so that each target processor can transfer resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notification.

[0138] Step 608: After confirming that each target processing party has transferred resources to the initiator of the resource borrowing agreement according to their respective resource borrowing ratios, return a notification of successful resource borrowing to the platform.

[0139] Optionally, if it is determined that each target processing party has transferred resources to the initiator of the resource borrowing agreement according to its respective resource borrowing ratio, the resource borrowing management server can communicate with the platform server to return a notification of successful resource borrowing to the platform.

[0140] For example, if each target processor transfers resources to the initiator of the resource borrowing agreement according to the resource borrowing ratio in the association stored in the data storage system, the resource borrowing management server does not need to update the association stored in the data storage system. If each target processor transfers resources to the initiator of the resource borrowing agreement not according to the resource borrowing ratio in the association stored in the data storage system, but according to the renegotiated resource borrowing ratio, the resource borrowing management server needs to update the association stored in the data storage system according to the renegotiated resource borrowing ratio so that the updated resource borrowing ratio can be obtained from the updated association in the future.

[0141] In this embodiment, after reaching a consensus on agreeing to execute the agreement, by determining the resource borrowing ratio for each target processing party, it can assist each target processing party in quickly transferring resources to the initiator according to their respective resource borrowing ratio, which is conducive to improving the efficiency of processing resource borrowing.

[0142] In one embodiment, as shown in FIG7, the method further includes:

[0143] Step 702: Statistically analyze the total number of processing opinions returned by each processing party within a set time period, as well as the number of processing opinions returned indicating a refusal to execute the protocol.

[0144] The time period can be flexibly configured according to actual needs.

[0145] Optionally, the resource borrowing management server can count the total number of processing opinions returned by each processor within a set time period, as well as the number of processing opinions returned indicating a refusal to execute the protocol, to determine the proportion of the number of processing opinions returned by the processor indicating a refusal to execute the protocol to the total number.

[0146] For example, the resource borrowing management server can periodically count the total number of processing opinions returned by each processor within a set time period, as well as the number of processing opinions indicating refusal to execute the protocol. It can also perform the above statistical operation in response to the statistical instructions of the operator of the resource borrowing management server, or perform the above statistical operation on the processor when the increase in the number of processing opinions indicating refusal to execute the protocol returned by a certain processor fluctuates abnormally.

[0147] Step 704: When the number of processing opinions returned by the processor indicating refusal to execute the protocol exceeds the proportion threshold of the total number, a warning message is sent to the processor.

[0148] Optionally, when the number of processing opinions returned by a processor indicating a refusal to execute the protocol exceeds a certain threshold, the resource borrowing management server may send an early warning to the processor and other processors in the associated association, and temporarily refrain from sending processing requests carrying the resource borrowing protocol to that processor.

[0149] For example, if, after sending an alert, within a set time period, the proportion of processing parties that return processing opinions indicating a refusal to execute the protocol exceeds a certain threshold, then the association to which that processing party belongs is deleted from the data repository.

[0150] Optionally, if the number of processing opinions indicating refusal to execute the protocol returned by no processing party exceeds a certain threshold, the resource borrowing management server will return to step 702 and continue to perform the above statistical operations on each processing party according to a fixed period.

[0151] In this embodiment, by sending warnings to processors that repeatedly refuse to execute the protocol within a set time period, and if, after sending warnings, the proportion of processors that receive warnings still return processing opinions indicating refusal to execute the protocol within the set time period exceeds a certain threshold, then the association to which that processor belongs is deleted from the data repository. This can remove processors that interfere with the resource borrowing protocol processing flow, thereby reducing the impact of interfering parties on determining the consensus of the resource borrowing protocol and improving the efficiency of determining the consensus of the resource borrowing protocol.

[0152] In one embodiment, as shown in Figure 8, a flowchart for implementing joint resource borrowing based on the above-described resource borrowing consensus determination method is provided, which mainly includes the following steps:

[0153] First, the initiator can send a resource borrowing request to the platform. The platform then forwards the request to the resource borrowing manager. Based on the forwarded request, the resource borrowing manager generates a resource borrowing agreement and a processing request carrying the agreement, which is then forwarded to multiple processing parties. The manager also receives processing responses from these parties. Finally, based on the aforementioned resource borrowing consensus determination method, the resource borrowing manager evaluates the processing responses to determine the target consensus reached by the multiple processing parties. In the process of determining the target consensus reached by multiple processing parties based on the above-mentioned resource borrowing consensus determination method, if the proportion of the number of processed opinions to the total number of multiple processing parties meets the first proportion condition, the resource borrowing manager can extract the target processing opinion representing agreement to execute the agreement from each processing opinion. If the proportion of the number of target processing opinions to the total number of multiple processing parties meets the second proportion condition, the resource borrowing manager can determine the initial consensus reached by multiple processing parties and send the initial consensus to multiple processing parties for review. If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus is taken as the target consensus reached by multiple processing parties for the resource borrowing agreement.

[0154] Furthermore, if the target consensus indicates a refusal to execute the agreement, a "Refusal to Borrow Resources" notification is returned to the initiator. The initiator can then choose to modify the resource borrowing agreement or perform other operations based on this notification. If the target consensus indicates an agreement to execute the agreement, a notification of agreement to execute the agreement is returned to the platform. The platform can then generate a resource transfer notification based on this notification and send it to the resource borrowing manager. The resource borrowing manager can then calculate the resource borrowing ratio for each processor based on the resource transfer notification and send the resource transfer notification and each processor's respective resource borrowing ratio to multiple processors. The resource transfer notification carries the total amount of resources to be transferred by each processor. Multiple processors can determine the amount of resources they need to transfer based on the total amount of resources in the resource transfer notification and their respective resource borrowing ratios. Each processor can then generate a resource transfer request based on its respective resource transfer amount and send the request to the resource transfer channel, which can specifically be a third-party payment channel.

[0155] Then, the resource transfer channel can respond to resource transfer requests sent by multiple processors and resource transfer notifications sent by the platform. It invokes the resource transfer pre-processor to verify these requests and notifications. If the requests match, the resource transfer application is invoked to transfer resources from each processor's resource account to the initiator's resource account according to their respective resource borrowing ratios. If a timeout occurs during verification, a fallback mechanism is implemented until a verification result is obtained. Then, the resource transfer application is invoked again to perform the resource transfer operation.

[0156] Finally, after the resource transfer channel has completed the resource transfer through the resource transfer application, the resource transfer channel can generate a transfer notification and send the transfer notification to multiple processing parties. The resource borrowing manager can obtain the transfer notification from multiple processing parties and determine whether the transfer notification is genuine. After confirming that it is correct, the resource borrowing manager can send the notification to the platform, and the platform will display the notification to the initiator.

[0157] In this embodiment, during the process of joint resource borrowing, the processing flow is advanced while ensuring that multiple processing parties can provide timely feedback, which can improve the efficiency of consensus determination. Furthermore, by setting a second proportional condition, it is ensured that consensus can be accurately output even when some processing parties have poor network conditions or there are interfering parties. Therefore, it is possible to accurately and quickly determine the resource borrowing consensus in the joint resource borrowing scenario under poor network conditions and the presence of interfering parties.

[0158] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0159] Based on the same inventive concept, this application also provides a resource borrowing consensus determination apparatus for implementing the resource borrowing consensus determination method described above. The solution provided by this apparatus is similar to the implementation described in the above method; therefore, the specific limitations of one or more resource borrowing consensus determination apparatus embodiments provided below can be found in the limitations of the resource borrowing consensus determination method described above, and will not be repeated here.

[0160] In one embodiment, as shown in FIG9, a resource borrowing consensus determination device is provided, including: a processed party determination module 902, a target processing opinion extraction module 904, an initial consensus determination module 906, and a target consensus determination module 908, wherein:

[0161] The module for determining the processed party is used to send a processing request carrying a resource borrowing agreement to multiple processing parties that have established a joint relationship, determine the processing party that has processed the processing request and return the processing opinion;

[0162] The target processing opinion extraction module is used to extract the target processing opinion representing agreement to execute the agreement from each of the processing opinions if the proportion of the number of processed parties to the total number of the plurality of processed parties meets a first proportion condition.

[0163] The initial consensus determination module is used to determine the initial consensus reached by the multiple processing parties if the proportion of the number of the target processing opinions to the total number of the multiple processing parties meets the second proportion condition, and to send the initial consensus to the multiple processing parties for review.

[0164] The target consensus determination module is used to determine the initial consensus as the target consensus reached by the multiple processing parties for the resource borrowing agreement when the consensus reached by the multiple processing parties in the review process is consistent with the initial consensus.

[0165] In the aforementioned resource borrowing consensus determination device, a processing request carrying a resource borrowing protocol is sent to multiple processing parties that have established a joint relationship. The device identifies the processing parties that have returned processing opinions. If the number of processing parties meets a first ratio condition relative to the total number of processing parties, a target processing opinion representing agreement to execute the protocol is extracted from each processing opinion. This ensures timely feedback from multiple processing parties, allowing subsequent processes to proceed and avoiding wasting time on processing parties that cannot provide timely feedback, thus affecting consensus determination efficiency. If the number of target processing opinions meets a second ratio condition relative to the total number of processing parties, an initial consensus reached by multiple processing parties is determined. This allows for processing parties not returning processing opinions in a timely manner due to poor network conditions, and also allows for interference parties rejecting the protocol. When the proportion of target processing opinions reaches the target, a consensus agreeing to execute the protocol can be output. This avoids the impact of poor network conditions or interference parties on the output consensus, thereby improving the accuracy of consensus determination. Then, the initial consensus is sent to multiple processing parties for review. If the consensus reached by multiple processing parties during the review process is consistent with the initial consensus, the initial consensus is taken as the target consensus. Throughout the process, by ensuring that multiple processing parties can provide timely feedback, the processing flow can be advanced, which can improve the efficiency of consensus determination. Furthermore, by setting a second proportional condition, it can be ensured that consensus can still be accurately output even when some processing parties have poor network conditions or there are interfering parties. Therefore, it is possible to accurately and quickly determine resource borrowing consensus in joint resource borrowing scenarios even in poor network environments and with the presence of interfering parties.

[0166] In one embodiment, the device further includes:

[0167] The processing party determination module is used to obtain the resource borrowing request forwarded by the platform when the initiator initiates the resource borrowing request on the platform; generate a resource borrowing agreement based on the resource borrowing request; determine multiple processing parties that have established a joint relationship with the resource borrowing agreement based on the resource borrowing amount and resource return information carried in the resource borrowing agreement; and send a processing request carrying the resource borrowing agreement to the multiple processing parties.

[0168] In one embodiment, the device further includes:

[0169] The processing party replacement module is used to replace the multiple processing parties when the proportion of the number of processed parties to the total number of multiple processing parties does not meet a first proportion condition, or the proportion of the number of target processing opinions to the total number of multiple processing parties does not meet a second proportion condition; determine multiple update processing parties that have established a joint relationship; and send the processing request to the multiple update processing parties for processing.

[0170] In one embodiment, the device further includes:

[0171] The update protocol processing module is used to, for the same resource borrowing protocol, return a notification of rejection of resource borrowing to the initiator of the resource borrowing protocol when the number of times the processing party is changed reaches a threshold and no target consensus indicating agreement to execute the protocol is received; when the initiator modifies the resource borrowing protocol, obtain the updated resource borrowing protocol; and send a processing request carrying the updated resource borrowing protocol to multiple newly selected update processing parties with established association relationships for processing.

[0172] In one embodiment, the device further includes:

[0173] The resource borrowing notification return module is used to: forward the target consensus, representing agreement to execute the resource borrowing agreement, to the platform upon receiving a target consensus, and receive a resource borrowing notification from the platform; determine the resource borrowing ratio of each of the multiple target processing parties that have reached the target consensus; send the resource borrowing notification and the resource borrowing ratio of each target processing party to each target processing party, so that each target processing party transfers resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notification; and, if it is determined that each target processing party has transferred resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio, return a notification of successful resource borrowing to the platform.

[0174] In one embodiment, the device further includes:

[0175] The warning notification sending module is used to count the total number of processing opinions returned by each of the processing parties within a set time period, as well as the number of processing opinions returned indicating refusal to execute the protocol; when the proportion of the number of processing opinions returned by a processing party indicating refusal to execute the protocol to the total number exceeds a proportion threshold, a warning notification is sent to the processing party.

[0176] The aforementioned resource borrowing consensus determination device can implement all or part of its modules through software, hardware, or a combination thereof. These modules can be embedded in hardware or independent of the processor in a computer device, or stored in software in the memory of a computer device, so that the processor can call and execute the operations corresponding to each module.

[0177] In one embodiment, a computer device, which may be a server, is provided, and its internal structure can be as shown in Figure 10. The computer device includes a processor, memory, input / output interfaces (I / O), and a communication interface. The processor, memory, and I / O interfaces are connected via a system bus, and the communication interface is connected to the system bus via the I / O interfaces. The processor of the computer device provides computing and control capabilities. The memory of the computer device includes non-volatile storage media and internal memory. The non-volatile storage media stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device stores resource borrowing consensus determination data. The input / output interfaces of the computer device are used for exchanging information between the processor and external devices. The communication interface of the computer device is used for communication with external terminals via a network connection. When the computer program is executed by the processor, it implements a resource borrowing consensus determination method.

[0178] Those skilled in the art will understand that the structure shown in Figure 10 is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or may combine certain components, or may have different component arrangements.

[0179] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above-described method embodiments.

[0180] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, which, when executed by a processor, implements the steps in the above method embodiments.

[0181] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0182] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can 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 can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0183] The technical features of the above embodiments can be combined in any way. For the sake of brevity, 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.

[0184] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A method for determining consensus on resource borrowing, characterized in that, The method includes: sending a processing request carrying a resource borrowing agreement to multiple processing parties with a joint relationship; identifying the processing parties that have processed the processing request and returned processing opinions; if the number of processing parties accounts for a first proportion condition, extracting a target processing opinion representing agreement to execute the agreement from the processing opinions; if the number of target processing opinions accounts for a second proportion condition, determining an initial consensus reached by the multiple processing parties, and sending the initial consensus to the multiple processing parties for review; if the consensus reached by the multiple processing parties during the review process is consistent with the initial consensus, using the initial consensus as... The multiple processing parties reach a target consensus regarding the resource borrowing agreement; the target consensus is forwarded to the platform, and a resource borrowing notification is returned by the platform; the resource borrowing ratio of each of the multiple target processing parties that have reached the target consensus is determined; the resource borrowing notification and the resource borrowing ratio of each of the target processing parties are sent to each of the target processing parties, so that each of the target processing parties transfers resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notification; if it is determined that each of the target processing parties has transferred resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio, a notification of successful resource borrowing is returned to the platform.

2. The method according to claim 1, characterized in that, The method further includes: when the initiator initiates a resource borrowing request on the platform, obtaining the resource borrowing request forwarded by the platform; generating a resource borrowing agreement based on the resource borrowing request; and sending a processing request carrying the resource borrowing agreement to multiple processing parties with a joint relationship includes: determining multiple processing parties with a joint relationship that match the resource borrowing agreement based on the resource borrowing amount and resource return information carried in the resource borrowing agreement; and sending a processing request carrying the resource borrowing agreement to the multiple processing parties.

3. The method according to claim 1, characterized in that, The method further includes: if the proportion of the number of processed parties to the total number of the plurality of processed parties does not meet a first proportion condition, or the proportion of the number of target processing opinions to the total number of the plurality of processed parties does not meet a second proportion condition, replacing the plurality of processed parties, determining a plurality of update processed parties with a joint relationship; and sending the processing request to the plurality of update processed parties for processing.

4. The method according to any one of claims 1 to 3, characterized in that, The method further includes: for the same resource borrowing agreement, if the number of times the processor is changed reaches a threshold and no target consensus indicating agreement to execute the agreement is received, returning a notification of rejection of resource borrowing to the initiator of the resource borrowing agreement; if the initiator modifies the resource borrowing agreement, obtaining the updated resource borrowing agreement; and sending a processing request carrying the updated resource borrowing agreement to multiple newly selected update processors with a joint relationship for processing.

5. The method according to any one of claims 1 to 3, characterized in that, The method further includes: counting the total number of processing opinions returned by each processing party within a set time period and the number of processing opinions indicating refusal to execute the protocol; when the proportion of the number of processing opinions indicating refusal to execute the protocol returned by a processing party exceeds a proportion threshold, a warning prompt is sent to the processing party.

6. A resource borrowing consensus determination device, characterized in that, The apparatus includes: a processed party determination module, configured to send a processing request carrying a resource borrowing agreement to multiple processing parties with established association, and determine the processed parties that have processed the processing request and returned a processing opinion; a target processing opinion extraction module, configured to extract a target processing opinion representing agreement to execute the agreement from each processing opinion if the proportion of the number of processed parties to the total number of the multiple processing parties meets a first proportion condition; an initial consensus determination module, configured to determine the initial consensus reached by the multiple processing parties if the proportion of the number of target processing opinions to the total number of the multiple processing parties meets a second proportion condition, and send the initial consensus to the multiple processing parties for review; and a target consensus determination module, configured to determine the consensus reached by the multiple processing parties during the review process and the initial consensus. If the consensus is consistent, the initial consensus is taken as the target consensus reached by the multiple processing parties for the resource borrowing agreement; the resource borrowing notification return module is used to forward the target consensus to the platform and obtain the resource borrowing notification returned by the platform; determine the resource borrowing ratio of each of the multiple target processing parties that have reached the target consensus; send the resource borrowing notification and the resource borrowing ratio of each target processing party to each target processing party, so that each target processing party transfers resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio and the resource borrowing notification; if it is determined that each target processing party has transferred resources to the initiator of the resource borrowing agreement according to its own resource borrowing ratio, return a resource borrowing success notification to the platform.

7. The apparatus according to claim 6, characterized in that, The apparatus further includes: a processor determination module, configured to: obtain the resource borrowing request forwarded by the platform when the initiator initiates the resource borrowing request on the platform; generate a resource borrowing agreement based on the resource borrowing request; determine multiple processors that have established a joint relationship with the resource borrowing agreement based on the resource borrowing amount and resource return information carried in the resource borrowing agreement; and send a processing request carrying the resource borrowing agreement to the multiple processors.

8. The apparatus according to claim 6, characterized in that, The device further includes: a processor replacement module, used to replace the multiple processors when the proportion of the number of processed processors to the total number of multiple processors does not meet a first proportion condition, or the proportion of the number of target processing opinions to the total number of multiple processors does not meet a second proportion condition; determine multiple update processors with a joint relationship; and send the processing request to the multiple update processors for processing.

9. The apparatus according to any one of claims 6 to 8, characterized in that, The device further includes: an update protocol processing module, configured to, for the same resource borrowing protocol, return a notification of rejection of resource borrowing to the initiator of the resource borrowing protocol when the number of times the processor is changed reaches a threshold and no target consensus indicating agreement to execute the protocol is received; when the initiator modifies the resource borrowing protocol, obtain the updated resource borrowing protocol; and send a processing request carrying the updated resource borrowing protocol to multiple newly selected update processors with a joint relationship for processing.

10. The apparatus according to any one of claims 6 to 8, characterized in that, The device further includes: an early warning notification sending module, used to count the total number of processing opinions returned by each of the processing parties within a set time period, and the number of processing opinions returned indicating refusal to execute the protocol; when the proportion of the number of processing opinions returned by a processing party indicating refusal to execute the protocol to the total number exceeds a proportion threshold, an early warning notification is sent to the processing party.

11. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 5.

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

13. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 5.

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