Credit generation method and device, computer equipment and storage medium

Abstract

The invention relates to a credit card generation method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: receiving a credit card generation request in a resource interaction scene, and determining resource information of a to-be-interacted resource and a resource providing object and a resource receiving object participating in resource interaction based on the credit card generation request; performing issuing auditing on the resource information through an issuing node associated with the resource receiving object on the block chain to obtain an issuing auditing result; under the condition that the issuing auditing result is that issuing auditing is passed, credit data auditing is carried out on the to-be-audited credit certificate generated by the issuing node through a target node associated with the resource providing object on the block chain, and a credit auditing result is obtained; and generating a target credit certificate for the credit certificate generation request under the condition that the credit audit result is that credit audit is passed. By adopting the method, the credit card generation efficiency can be improved.

Description

Technical Field

[0001] This application relates to the field of computer technology, and particularly to a method, apparatus, computer device, and storage medium for generating a letter of credit. Background Art

[0002] With the advancement of economic globalization, a letter of credit refers to a commitment made by a bank according to the requirements and instructions of an applicant to pay a third party (the beneficiary of the letter of credit) upon presentation of stipulated documents under the condition of meeting the requirements of the letter of credit. A letter of credit usually describes requirements for goods specifications and quantities, prices, the place of receipt and the time limit for receipt, etc. After production and shipment are completed, documents such as valid invoices, packing lists, and bills of lading are submitted to the bank for review. Currently, it is still necessary to manually review whether these documents comply with the requirements of the letter of credit. If they comply, subsequent settlement and other business processing procedures will continue. However, the process of manual review by the bank is relatively cumbersome and complex, and the requirements for the terms of the letter of credit vary among different parties opening the letter of credit, resulting in low efficiency in the generation of existing letters of credit. Summary of the Invention

[0003] Based on this, it is necessary to provide a method, apparatus, computer device, and storage medium for generating a letter of credit that can improve the efficiency of letter of credit generation for the above technical problems.

[0004] In a first aspect, this application provides a method for generating a letter of credit. The method includes:

[0005] Receiving a letter of credit generation request in a resource interaction scenario, and determining the resource information of the resources to be interacted, as well as the resource provider object and the resource receiver object participating in the resource interaction based on the letter of credit generation request;

[0006] Conducting an issuing review on the resource information through an issuing node associated with the resource receiver object on the blockchain to obtain an issuing review result;

[0007] In the case where the issuing review result is that the issuing review is passed, conducting a credit data review on the letter of credit to be reviewed generated by the issuing node through a target node associated with the resource provider object on the blockchain to obtain a credit review result;

[0008] In the case where the credit review result is that the credit review is passed, generating a target letter of credit for the letter of credit generation request.

[0009] In a second aspect, this application also provides a letter of credit generation apparatus. The apparatus includes:

[0010] A request receiving module, configured to receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resources to be interacted, as well as the resource provider object and the resource receiver object participating in the resource interaction based on the letter of credit generation request;

[0011] The issuing review module is used to conduct an issuing review on the resource information through the issuing node associated with the resource receiving object on the blockchain to obtain an issuing review result;

[0012] The credit data review module is used to, when the issuing review result is that the issuing review is passed, conduct a credit data review on the letter of credit to be reviewed generated by the issuing node through the target node associated with the resource providing object on the blockchain to obtain a credit review result;

[0013] The letter of credit generation module is used to generate a target letter of credit for the letter of credit generation request when the credit review result is that the credit review is passed.

[0014] Thirdly, the present application also provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0015] Receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resources to be interacted, as well as the resource providing object and the resource receiving object participating in the resource interaction based on the letter of credit generation request;

[0016] Conduct an issuing review on the resource information through the issuing node associated with the resource receiving object on the blockchain to obtain an issuing review result;

[0017] When the issuing review result is that the issuing review is passed, conduct a credit data review on the letter of credit to be reviewed generated by the issuing node through the target node associated with the resource providing object on the blockchain to obtain a credit review result;

[0018] Generate a target letter of credit for the letter of credit generation request when the credit review result is that the credit review is passed.

[0019] Fourthly, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0020] Receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resources to be interacted, as well as the resource providing object and the resource receiving object participating in the resource interaction based on the letter of credit generation request;

[0021] Conduct an issuing review on the resource information through the issuing node associated with the resource receiving object on the blockchain to obtain an issuing review result;

[0022] In the case where the result of the letter of credit review is that the letter of credit review is passed, the credit data of the letter of credit to be reviewed generated by the issuing node is reviewed through the target node associated with the resource providing object on the blockchain, and the credit review result is obtained;

[0023] In the case where the credit review result is that the credit review is passed, a target letter of credit for the letter of credit generation request is generated.

[0024] Fifthly, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0025] Receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resources to be interacted, as well as the resource providing object and the resource receiving object participating in the resource interaction based on the letter of credit generation request;

[0026] The issuing node associated with the resource receiving object on the blockchain reviews the resource information to obtain the issuing review result;

[0027] In the case where the result of the issuing review is that the issuing review is passed, the credit data of the letter of credit to be reviewed generated by the issuing node is reviewed through the target node associated with the resource providing object on the blockchain, and the credit review result is obtained;

[0028] In the case where the credit review result is that the credit review is passed, a target letter of credit for the letter of credit generation request is generated.

[0029] In the resource interaction scenario, the above method, device, computer device, storage medium, and computer program product for letter of credit generation review the resource information through the issuing node associated with the resource receiving object on the blockchain, and review the credit data of the letter of credit to be reviewed generated by the issuing node through the target node associated with the resource providing object on the blockchain, thereby completing the automated processing of the letter of credit generation process. Moreover, the target letter of credit is generated on the basis of the passing of the issuing review and the passing of the credit review, that is, the reliability of the issuing process is ensured on the basis of the automated processing process, thereby avoiding the cumbersome process of manual review and reducing the individual errors brought by manual review, thus improving the efficiency of letter of credit generation. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] Figure 1 It is a schematic structural diagram of a blockchain in an embodiment;

[0031] Figure 2 It is an application environment diagram of the method for letter of credit generation in an embodiment;

[0032] Figure 3 It is a schematic flowchart of the method for letter of credit generation in an embodiment;

[0033] Figure 4 Schematic flow diagram of a method for generating a letter of credit in another embodiment;

[0034] Figure 5 Schematic flow diagram of a method for generating a letter of credit in yet another embodiment;

[0035] Figure 6 Complete schematic flow diagram of a method for generating a letter of credit in one embodiment;

[0036] Figure 7 Complete schematic flow diagram of a method for generating and executing a letter of credit in a cross-border resource interaction scenario in one embodiment;

[0037] Figure 8 Block diagram of the structure of a letter of credit generation device in one embodiment;

[0038] Figure 9 Internal structure diagram of a computer device in one embodiment. Detailed implementation manners

[0039] In order to make the objectives, technical solutions and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0040] With the advancement of economic globalization, a letter of credit refers to a commitment made by a bank according to the requirements and instructions of an applicant to pay a third party (the beneficiary of the letter of credit) against stipulated documents under the condition of meeting the requirements of the letter of credit. A letter of credit usually describes requirements for goods specifications and quantities, prices, place of receipt and receipt timeliness, etc. After production and shipment are completed, documents such as valid invoices, packing lists and bills of lading are submitted to the bank for review. Currently, it is still necessary to manually review whether these documents comply with the requirements of the letter of credit. If they comply, subsequent settlement and other business processing procedures will continue. However, the process of manual review by the bank is relatively cumbersome and complex, and the requirements for the terms of the letter of credit vary among different parties opening the letter of credit, resulting in relatively low efficiency in the generation of existing letters of credit.

[0041] Therefore, to solve the above technical problems, the embodiments of the present application provide a method for generating a letter of credit that can improve the efficiency of letter of credit generation. Before specific description, some terms involved in the present application will be explained.

[0042] Blockchain is a new application mode of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, and encryption algorithms. Blockchain, in essence, is a decentralized database, a series of data blocks generated by using cryptographic methods. Each data block contains information about a batch of network transactions, which is used to verify the validity of the information (anti-counterfeiting) and generate the next block. Blockchain can include the blockchain underlying platform, the platform product service layer, and the application service layer.

[0043] A smart contract is code developed by a business party to execute business logic. It is developed using a programming language and deployed on the blockchain. When a user wants to call a smart contract, a blockchain transaction is generated and sent to the chain. Each blockchain node can consensus-pack this transaction, execute the same code logic, and produce the same result. The code is publicly visible and transparent on the chain, ensuring that it cannot be tampered with. Once a smart contract is successfully deployed, it cannot be modified and exists permanently on the chain.

[0044] The letter of credit generation method provided in the embodiments of this application can be applied to an application environment including multiple nodes. This application environment can be a data sharing system including multiple nodes, or a distributed system formed by connecting a client and multiple nodes (any form of computing device accessing the network, such as a server, user terminal) through network communication. Taking the distributed system as a blockchain system as an example, as Figure 1 shown, the distributed system can include multiple nodes 101 and a client 102. A peer-to-peer network is formed among the nodes 101. The peer-to-peer protocol is an application layer protocol running on top of the Transmission Control Protocol (TCP). In a distributed system, any machine such as a server or a terminal can join and become a node. A node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer. As Figure 1As shown, the functions involved in each node 101 in the blockchain system may include routing, applications, and the blockchain, etc. Among them, routing is the basic function of the node, which is used to support communication between nodes. The application is deployed in the blockchain and is used to implement specific services according to actual business requirements, record the data related to the implemented functions to form record data, carry a digital signature in the record data to indicate the source of the task data, and send the record data to other nodes in the blockchain system. When other nodes verify the source and integrity of the record data successfully, they add the record data to the temporary block. The services implemented by the application may include a shared ledger and smart contracts, etc. The shared ledger is used to provide functions such as storage, query, and modification of account data, send the record data of the operations on the account data to other nodes in the blockchain system. After other nodes verify its validity, as a response to acknowledging the validity of the account data, they store the record data in the temporary block and may also send a confirmation to the node that initiated the operation. The blockchain includes a series of blocks that are sequentially connected in the order of generation time. Once a new block is added to the blockchain, it will not be removed again. The block records the record data submitted by the nodes in the blockchain system.

[0045] Furthermore, each node 101 can receive input information during operation and maintain the shared data within the blockchain system based on the received input information. For each node in the blockchain system, there is a corresponding node identifier, and each node in the blockchain system can store the node identifiers of other nodes in the blockchain system, so that subsequently, according to the node identifiers of other nodes, the generated block can be broadcast to other nodes in the blockchain system. A node identifier list can be maintained in each node, and the node name and node identifier are stored in the node identifier list correspondingly. Among them, the node identifier can be an IP (Internet Protocol) address or any other information that can be used to identify the node.

[0046] Among them, the client 102 can be a resource interaction client. The resource interaction client can implement the resource interaction service function and establish a communication connection with the decentralized application client based on this resource interaction service function. The resource interaction client is a tool for managing and storing user digital resources. For example, the resource provider object participating in the resource interaction can provide resource information to the resource receiver object based on the resource interaction client. Another example is that the resource receiver object participating in the resource interaction can receive the resource information provided by the resource provider object based on the resource interaction client. The resource interaction client can be a hardware device or a software program.

[0047] The method for generating a letter of credit provided by the embodiments of this application can be applied to, for example Figure 2In the application environment shown. The application environment includes a resource receiving object 201, a resource providing object 202, an issuing node 203, a target node 204, and a resource interaction management platform 205. Each object in the application environment can perform network communication and implement functions such as consensus, data recording, and uploading to the blockchain based on smart contracts.

[0048] Among them, in the process of implementing the letter of credit generation method: The resource interaction management platform 205 first receives a letter of credit generation request in the resource interaction scenario, determines the resource information of the resources to be interacted and the resource receiving object 201 and the resource providing object 202 participating in the resource interaction based on the letter of credit generation request. Based on this, the resource interaction management platform 205 conducts an issuing review of the resource information through the issuing node 203 associated with the resource receiving object 201 on the blockchain to obtain an issuing review result; in the case where the issuing review result is that the issuing review is passed, the target node 204 associated with the resource providing object 202 on the blockchain conducts a credit data review on the letter of credit to be reviewed generated by the issuing node 203 to obtain a credit review result; and in the case where the credit review result is that the credit review is passed, a target letter of credit for the letter of credit generation request is generated. Conducting an issuing review of the resource information and a credit data review of the letter of credit to be reviewed both need to be carried out according to the letter of credit elements in the letter of credit contract, and the letter of credit elements in the letter of credit contract are obtained by matching the resource interaction rules established by the resource receiving object 201 and the resource providing object 202 through the resource interaction smart contract.

[0049] Furthermore, the resource receiving object 201, the resource providing object 202, the issuing node 203, the target node 204, and the resource interaction management platform 205 can all be implemented through a terminal or a server. Among them, the terminal includes but is not limited to mobile phones, computers, intelligent voice interaction devices, intelligent home appliances, vehicle-mounted terminals, aircraft, etc., and the server can be implemented by an independent server or a server cluster composed of multiple servers. The embodiments of the present invention can be applied to various scenarios, including but not limited to blockchain, cloud technology, and artificial intelligence, etc.

[0050] Specifically, it is illustrated through the following embodiments: In one embodiment, as Figure 3 shown, a method for generating a letter of credit is provided, and this method is illustrated by taking the resource interaction management platform 205 in Figure 2 as an example. In this embodiment, the method includes the following steps:

[0051] Step 302, receive a letter of credit generation request in the resource interaction scenario, and determine the resource information of the resources to be interacted and the resource providing object and the resource receiving object participating in the resource interaction based on the letter of credit generation request.

[0052] Among them, the letter of credit generation request is used to request the generation of a letter of credit for the resource provider object and the resource receiver object participating in the resource interaction. A letter of credit refers to a digital certificate that guarantees the commitment to provide the resource value corresponding to the resource information. The resource provider object is the party that provides the resource information. That is, the resource provider object has the ownership of the resource information and transfers the ownership of the resource information to the resource receiver object by providing the resource information to the resource receiver object.

[0053] And the letter of credit can be a cross-border resource interaction letter of credit or a domestic resource interaction letter of credit, which is not limited here. Based on this, if the resource interaction scenario is a cross-border resource interaction scenario, then the letter of credit generation request is used to request the generation of a cross-border resource interaction letter of credit. The resource provider object participating in the cross-border resource interaction is the export object, and the resource receiver object participating in the cross-border resource interaction is the import object. Secondly, the resource information at least includes the resource type of the resource to be interacted. The resource type of the resource to be interacted can be physical goods or virtual goods. For example, the resource type can be physical goods such as electronic products, physical objects, and animals and plants, and the resource type can also be virtual goods such as game props and digital goods, which is not limited here.

[0054] Specifically, in the resource interaction scenario, if the resource provider object and the resource receiver object participating in the resource interaction determine to provide the resource data in the resource interaction scenario through a letter of credit (i.e., pay through a letter of credit), at this time, the resource interaction management platform can receive the letter of credit generation request. The letter of credit generation request can be sent by the resource provider object or the resource receiver object, which is not limited here. Since a letter of credit refers to a digital certificate that guarantees the commitment to provide the resource value corresponding to the resource information to be interacted, that is, the letter of credit interaction request can describe: generate a letter of credit for the resource provider object to provide the resource information to be interacted to the resource receiver object. Therefore, here, the resource interaction management platform determines the resource information of the resource to be interacted, as well as the resource provider object and the resource receiver object participating in the resource interaction based on the letter of credit generation request. For example, the letter of credit generation request A1 describes: generate a letter of credit for the resource provider object B1 to provide a keyboard to the resource receiver object C1. At this time, the resource provider object B1 and the resource receiver object C1 participating in the resource interaction can be determined, and the resource type in the resource information is a keyboard. Or, the letter of credit generation request A2 describes: generate a letter of credit for the resource provider object B2 to provide bananas to the resource receiver object C2. At this time, the resource provider object B2 and the resource receiver object C2 participating in the resource interaction can be determined, and the resource type in the resource information is bananas.

[0055] Optionally, in practical applications, the resource information may further include the resource value range of resource interaction, the interaction period of the resource to be interacted, the resource value providing method of resource interaction, the resource value providing period of resource interaction, the resource value providing location of resource interaction, etc. Since the resource type of the resource to be interacted may be an entity commodity, the shipping agency of the resource to be interacted should also be considered during resource interaction. The specific information in the resource information is not limited herein.

[0056] Step 304: Through the issuing node associated with the resource receiving object on the blockchain, conduct issuing review on the resource information to obtain the issuing review result.

[0057] Among them, the issuing node is a node pre-deployed on the blockchain, and specifically, this node is the node corresponding to a financial institution capable of making resource data payments, such as a bank. And the association between the issuing node and the resource receiving object is obtained through pre-configuration by the resource receiving object. In practical applications, the resource receiving object can adjust and update the associated issuing node according to actual needs. Secondly, the issuing review is used to review the compliance and effectiveness of the resource information, that is, the issuing review is used to review whether the letter of credit to be generated for the submitted letter of credit generation request is used for the resource interaction participated by the resource providing object and the resource receiving object. Therefore, the issuing review result includes passing the issuing review or failing the issuing review. Specifically, the resource interaction management platform conducts issuing review on the resource information through the issuing node associated with the resource receiving object on the blockchain, that is, reviews the compliance and effectiveness of the resource information through the issuing node, so as to obtain the issuing review result of passing the issuing review or failing the issuing review.

[0058] Step 306: In the case where the issuing review result is passing the issuing review, through the target node associated with the resource providing object on the blockchain, conduct credit data review on the letter of credit to be reviewed generated by the issuing node to obtain the credit review result.

[0059] Among them, the target node is a node pre-deployed on the blockchain, and specifically, this node is the node corresponding to a financial institution capable of making resource data payments, such as a bank, that is, the target node and the issuing node should be of the same type of node. And the association between the target node and the resource providing object is obtained through pre-configuration by the resource providing object. In practical applications, the resource providing object can adjust and update the associated target node according to actual needs. Secondly, the credit data review is used to review the compliance and effectiveness of the letter of credit data in the letter of credit, that is, the credit data review is used to review whether the letter of credit to be reviewed generated by the issuing node can ensure the commitment to provide the resource value corresponding to the resource information. Therefore, the credit review result includes passing the credit review or failing the credit review.

[0060] Specifically, when the result of the letter of credit review is that the letter of credit review is passed, the resource interaction management platform conducts a credit data review on the letter of credit to be reviewed generated by the letter of credit issuing node through the target node associated with the resource providing object on the blockchain, that is, reviews the compliance and validity of the letter of credit data in the letter of credit to be reviewed through the target node, so as to obtain a credit review result of passing or failing the credit review.

[0061] Optionally, in one embodiment, when the resource interaction scenario is the target resource interaction scenario, the letter of credit review can be re-reviewed manually. The foregoing target resource interaction scenario can be a resource interaction scenario for special resource types. For example, the special resource type is high-risk physical goods. And the foregoing target resource interaction scenario can also be a resource interaction scenario where the value of the interactable resources exceeds the resource value threshold, and no specific limitation is made here. Therefore, when the result of the letter of credit review is that the letter of credit review fails, manual letter of credit review can be conducted on the resource information. Then, when the result of the manual letter of credit review for the resource information is that the manual letter of credit review passes, the credit data of the letter of credit to be reviewed generated by the letter of credit issuing node can still be reviewed through the target node associated with the resource providing object on the blockchain to obtain the credit review result. Or, even when the result of the letter of credit review is that the letter of credit review passes, manual letter of credit review can also be conducted on the resource information at this time. When the result of the manual letter of credit review for the resource information is that the manual letter of credit review passes, the subsequent similar steps are executed.

[0062] Step 308, when the credit review result is that the credit review passes, generate a target letter of credit for the letter of credit generation request.

[0063] Among them, the target letter of credit is used to: guarantee to undertake that after the resource providing object provides the resource information to be interacted to the resource receiving object, it can provide the resource value corresponding to the resource information to be interacted to the resource providing object. Specifically, when the credit review result is that the credit review passes, the resource interaction management platform generates a target letter of credit for the letter of credit generation request. Further, after the resource interaction management platform generates the target letter of credit, the letter of credit can be opened through the resource providing object. At this time, the resource providing object can perform resource interaction with online automatic review based on specific resource interaction requirements.

[0064] Optionally, in one embodiment, when the resource interaction scenario is the target resource interaction scenario, the review of credit data can be re-reviewed through manual review. The target resource interaction scenario is similar to that introduced in the foregoing embodiments and will not be elaborated here. Therefore, when the credit review result is that the credit review fails, manual credit data review can be performed on the letter of credit to be reviewed generated by the issuing node. Then, when the manual credit review result for the letter of credit to be reviewed is that the manual credit review passes, the target letter of credit for the letter of credit generation request can still be generated. Or, even when the credit review result is that the credit review passes, at this time, manual credit data review can still be performed on the letter of credit to be reviewed. At this time, when the manual credit review result for the letter of credit to be reviewed is that the manual credit review passes, the target letter of credit for the letter of credit generation request can also be generated.

[0065] Optionally, in one embodiment, after the target letter of credit is generated, the target letter of credit can be monitored in real time, that is, the execution process of the target letter of credit is monitored in real time to ensure that both the resource provider object and the resource recipient object can perform normal resource interaction according to the resource interaction rules. Therefore, after the target letter of credit is generated, the resource interaction management platform will also monitor the usage information of the target letter of credit in real time. The usage information of the target letter of credit specifically includes the usage information of the resource provider object for the target letter of credit and the usage information of the resource recipient object for the target letter of credit. And when the usage information of the target letter of credit meets the abnormal usage information, a letter of credit usage warning message is sent to remind the detection of the execution process of the target letter of credit and take measures in time to avoid adverse effects on the resource interaction process of any one of the resource provider object and the resource recipient object, thereby ensuring the reliability of the letter of credit execution process. The foregoing abnormal usage information may be: the resource type of the resource information to be interacted is not the resource type stored in the target letter of credit, or the resource value of the resource information to be interacted exceeds the resource value limit stored in the target letter of credit, or other objects other than the resource provider object and the resource recipient object operate and use the target letter of credit, etc., which are not limited here.

[0066] Secondly, when the letter of credit termination condition is met, the resource interaction management platform can also terminate the usage process of the target letter of credit. That is, in specific situations, the target letter of credit being executed can be terminated and corresponding operations can be performed, and these operations can ensure the accuracy and security of the target letter of credit execution. The letter of credit termination condition can be that the target letter of credit reaches the usage period, etc., which are not limited here.

[0067] It can be understood that the foregoing examples are only for understanding this solution, and the specific settings need to be flexibly determined based on actual situations.

[0068] In the above method for generating a letter of credit, in a resource interaction scenario, the issuing node associated with the resource receiving object on the blockchain is used to conduct an issuing review of the resource information, and the target node associated with the resource providing object on the blockchain is used to conduct a credit data review of the letter of credit to be reviewed generated by the issuing node, thereby completing the automated processing of the letter of credit generation process. Moreover, the target letter of credit is generated based on the passing of the issuing review and the credit review, that is, the reliability of the issuing process is ensured on the basis of the automated processing process, thereby avoiding the cumbersome process of manual review and reducing the individual errors caused by manual review, thus improving the efficiency of letter of credit generation.

[0069] In one embodiment, as Figure 4 shown, since corresponding reviews need to be conducted through nodes on the blockchain, and the basis for the issuing review and the credit data review both need to be determined through the resource providing object and the resource receiving object, and then executed through the corresponding smart contract, therefore, the method for generating a letter of credit further includes:

[0070] Step 402, receiving the resource interaction rules concluded by the resource providing object and the resource receiving object through the resource interaction smart contract, and storing the letter of credit elements matching the resource interaction rules on the pre-deployed letter of credit contract.

[0071] Among them, the resource interaction rules are the regulations stipulating the resource interaction process between the resource providing object and the resource receiving object. And in the resource interaction scenario, the resource interaction rules can be a transaction contract. Therefore, the resource interaction rules at least include: the resource providing object and the resource receiving object participating in the resource interaction, the resource type of the resource to be interacted participated in the resource interaction, the resource value range of the resource interaction, the interaction period of the resource to be interacted, the resource value providing method of the resource interaction, the resource value providing period of the resource interaction, the resource value providing location of the resource interaction, and the shipping agency of the resource to be interacted, etc. The specific rules in the resource interaction rules are not limited here.

[0072] Secondly, the letter of credit elements are the information containing the core business content in the resource interaction rules. That is, the letter of credit elements shall at least include the resource provider object and the resource receiver object participating in the resource interaction, the resource type of the resource to be interacted, the resource value range of the resource interaction, the interaction period of the resource to be interacted, the resource value providing method of the resource interaction, the resource value providing period of the resource interaction, the resource value providing location of the resource interaction, and the shipping agency of the resource to be interacted, etc. In actual application, the resource provider object and the resource receiver object participating in the resource interaction are specifically the information of the two trading parties, the resource value range of the resource interaction is specifically the transaction amount, the interaction period of the resource to be interacted is specifically the delivery period, the resource value providing method of the resource interaction is specifically the payment method, the resource value providing period of the resource interaction is specifically the payment period, the resource value providing location of the resource interaction is specifically the delivery location, and the shipping agency of the resource to be interacted is specifically the shipping enterprise. Based on this, relevant documents and files can also be stored in the letter of credit contract in addition to the letter of credit elements. Therefore, the letter of credit elements, relevant documents and files can all be managed through the letter of credit contract to ensure the compliance and effectiveness of the letter of credit elements.

[0073] Specifically, on the basis that it is determined to guarantee resource interaction with a letter of credit for the resource provider object and the resource receiver object participating in the resource interaction, it is necessary to first receive the resource interaction rules established by the resource provider object and the resource receiver object through the resource interaction smart contract. The resource interaction rules are set by the resource provider object and the resource receiver object through the resource interaction smart contract, that is, the resource interaction rules are the rules agreed by both the resource provider object and the resource receiver object. And the resource interaction rules may also include: the issuing institution associated with the resource receiver object, and the target institution associated with the resource provider object. The issuing institution stores and interacts information with the issuing node in the blockchain, while the target institution stores and interacts information with the target node in the blockchain. That is, in actual application, the two trading parties (i.e., the resource provider object and the resource receiver object participating in the resource interaction) conclude an import and export contract through the resource interaction smart contract and stipulate payment by letter of credit, thereby clarifying the letter of credit elements such as the information of the two trading parties, the transaction amount, the payment method, the delivery period, the payment period, the delivery location, and the shipping enterprise. At this time, the resource interaction smart contract deposits the foregoing letter of credit elements and relevant information on the blockchain for evidence preservation.

[0074] Furthermore, it is necessary to pre-deploy the letter of credit contract. The pre-deployed letter of credit contract is specifically a smart contract, that is, by pre-writing smart contract code, functions such as the transaction, storage, and payment of digital resources are realized, and at the same time, operations such as the creation, modification, review, and execution of letters of credit are realized. This smart contract can be written in mainstream smart contract languages such as Solidity, which is not limited here. Based on this, the resource interaction rules are stored on the blockchain, that is, the letter of credit elements matching the resource interaction rules are stored on the pre-deployed letter of credit contract. The stored letter of credit elements can be the resource interaction rules.

[0075] Based on this, through the issuing node associated with the resource provider object on the blockchain, the resource information is subject to issuing review to obtain the issuing review result, including:

[0076] Step 404, through the issuing node associated with the resource provider object on the blockchain, the resource information is subject to issuing review according to the letter of credit elements in the letter of credit contract to obtain the issuing review result.

[0077] Specifically, the resource interaction management platform, through the issuing node associated with the resource provider object on the blockchain, reviews the compliance and effectiveness of the resource information according to the information in the letter of credit elements in the letter of credit contract that matches the resource interaction rules to obtain the issuing review result. It can be known from the foregoing embodiments that the resource information at least includes the resource type of the resource to be interacted and the resource value range of the resource interaction, etc., and the letter of credit elements at least include the resource provider object and the resource receiver object participating in the resource interaction, the resource type of the resource to be interacted participating in the resource interaction, and the resource value range of the resource interaction. Therefore, each piece of information included in the resource information is checked one by one through the letter of credit elements, that is, checking whether the resource type in the resource information is the resource type in the resource interaction rules, and checking whether the resource value range in the resource information is the resource value range in the resource interaction rules, etc.

[0078] It can be understood that since the letter of credit elements can also be updated and adjusted based on the actual situation, before generating the letter of credit, the letter of credit elements in the letter of credit contract can be adjusted through a letter of credit element adjustment request to determine that the adjusted letter of credit elements are stored in the letter of credit contract. Then, when conducting the issuing review, the resource information needs to be subject to issuing review through the adjusted letter of credit elements in the letter of credit contract.

[0079] In a specific embodiment, the resource information is reviewed for a letter of credit according to the letter of credit elements in the letter of credit contract through an issuance node associated with the resource provider on the blockchain, and a letter of credit review result is obtained, including: the resource information is reviewed for a letter of credit according to the letter of credit elements in the letter of credit contract and credit data through an issuance node associated with the resource provider on the blockchain, and a letter of credit review result is obtained.

[0080] In practical applications, the credit data of the party initiating the LC request can also be considered during the LC issuance review. Specifically, if the resource provider initiates the LC request, the resource information will be reviewed by the issuance node on the blockchain, based on the LC elements in the LC contract and the credit data of the resource provider. Secondly, if the resource recipient initiates the LC request, the resource information will be reviewed by the issuance node on the blockchain, based on the LC elements in the LC contract and the credit data of the resource recipient.

[0081] Furthermore, in one embodiment, a credit approval result is obtained by performing a credit approval review on resource information according to the credit elements and credit data in the credit contract. This includes determining that the credit approval result is approved if the credit data satisfies the credit data conditions and the resource information matches the credit elements. Specifically, if the credit data satisfies the credit data conditions, the resource information is then matched with the credit elements. If the resource information and the credit elements match, the credit approval result is determined to be approved. The aforementioned credit data conditions can specifically be a credit data range. For example, if the credit data range is 60 to 100, then a credit data value of 70 indicates that the credit data conditions are satisfied.

[0082] Secondly, in another embodiment, resource information is reviewed for issuance according to the letter of credit elements and credit data in the letter of credit contract to obtain a letter of credit review result, including: if the resource information does not match the letter of credit elements, the letter of credit review result is determined to be a letter of credit review failure. Therefore, if the resource information does not match the letter of credit elements, the letter of credit review result is determined to be a letter of credit review failure, regardless of whether the credit data meets the credit data conditions. It is understood that manual letter of credit review can also be introduced to further determine the letter of credit review result.

[0083] In yet another embodiment, the issuance review of resource information is performed according to the letter of credit elements in the letter of credit contract and the credit data, and the issuance review result is obtained, including: in the case where the credit data does not meet the credit data conditions and the resource information matches the letter of credit elements, the guaranteed resource data is deducted, and the issuance review result is determined to be a passing issuance review. That is, on the basis that the credit data does not meet the credit data conditions, it indicates that the object issuing the letter of credit generation request has insufficient credit. At this time, the risk can be reduced by deducting the guaranteed resource data, and the issuance review result is determined to be a passing issuance review. It can be seen from this that if a letter of credit generation request is issued by a resource provider and the credit data of the resource provider does not meet the credit data conditions, the guaranteed resource data of the resource provider is deducted, and the issuance review result is determined to be a passing issuance review. If a letter of credit generation request is issued by a resource recipient and the credit data of the resource recipient does not meet the credit data conditions, the guaranteed resource data of the resource recipient is deducted, and the issuance review result is determined to be a passing issuance review.

[0084] As can be seen from the foregoing embodiments, in practical applications, a letter of credit can also be applied to the issuing bank through a letter of credit contract. The issuing bank automatically verifies and reviews according to the letter of credit elements of the applicant and the letter of credit elements in the letter of credit contract. In special business conditions, manual review can be introduced, that is, manual issuance review and verification are introduced to determine the issuance review result again. That is, in the case of insufficient credit, the risk can be reduced by deducting the margin.

[0085] Optionally, the credit data conditions include multiple credit data ranges, and each credit data range has its own matching range of interactive resource values. The credit data range includes the minimum credit data to the maximum credit data, and the range of interactive resource values includes the minimum value of interactive resource values to the maximum value of interactive resource values. And the credit data range is positively correlated with the range of interactive resource values, that is, the larger the maximum credit data in the credit data range, the larger the maximum value of interactive resource values in the range of interactive resource values.

[0086] For example, the credit data conditions specifically include: the credit data range D1 is "60 to 70", the credit data range D2 is "70 to 80", the credit data range D3 is "80 to 90", and the credit data range D4 is "90 to 100". At this time, the range of interactive resource values E1 that can be matched with the credit data range D1 is "20000 to 40000". Similarly, the range of interactive resource values E2 that can be matched with the credit data range D2 is "40000 to 60000", the range of interactive resource values E3 that can be matched with the credit data range D3 is "60000 to 80000", and the range of interactive resource values E4 that can be matched with the credit data range D4 is "80000 to 100000".

[0087] Based on this, when the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determining that the letter of credit review result is a pass in the letter of credit review may include: when the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determining the range of interactive resource values to which the resource value range in the letter of credit elements belongs, and the range of credit data to which the credit data belongs; when the range of interactive resource values to which the resource value range belongs is consistent with the range of interactive resource values that match the range of credit data to which the credit data belongs, determining that the letter of credit review result is a pass in the letter of credit review.

[0088] Specifically, when the credit data meets the credit data conditions and the resource information matches the letter of credit elements, first determine the range of interactive resource values to which the resource value range in the letter of credit elements belongs, and the range of credit data to which the credit data belongs. For example, if the credit data condition is from 60 to 100, and the credit data condition specifically includes credit data ranges D1 to D4, if the credit data is 75, it can be determined that the credit data meets the credit data conditions, and the credit data of 75 belongs to the credit data range D2 "70 to 80". If the resource value in the letter of credit elements is 50,000, the resource value "50,000" belongs to the range of interactive resource values E2 of "40,000 to 60,000".

[0089] At this time, it is necessary to further determine whether the range of interactive resource values to which the resource value range belongs is consistent with the range of interactive resource values that match the range of credit data to which the credit data belongs. From the foregoing example, it can be seen that the credit data of 75 belongs to the credit data range D2, and the resource value "50,000" belongs to the range of interactive resource values E2, and the credit data range D2 matches the range of interactive resource values E2, that is, they match and are consistent. At this time, it can be determined that the letter of credit review result is a pass in the letter of credit review. If they are inconsistent, it can be determined that the letter of credit review result is a failure in the letter of credit review. It can be understood that manual review and verification of the letter of credit can also be introduced here to re-determine the letter of credit review result.

[0090] Similarly, through the target node associated with the resource recipient on the blockchain, the credit data of the letter of credit to be reviewed generated by the letter of credit issuing node is reviewed to obtain a credit review result, including:

[0091] Step 406, through the target node associated with the resource recipient on the blockchain, the credit data of the letter of credit to be reviewed generated by the letter of credit issuing node is reviewed according to the letter of credit elements in the letter of credit contract to obtain a credit review result.

[0092] Among them, the letter of credit to be audited carries letter of credit data. The letter of credit data is similar to the aforementioned resource information and also carries the resource value range of resource interaction, the interaction period of the resources to be interacted, the resource value providing method of resource interaction, the resource value providing period of resource interaction, and the usage validity period carried by the letter of credit to be audited. Specifically, the resource interaction management platform audits the credit data of the letter of credit to be audited generated by the issuing node according to the letter of credit elements in the letter of credit contract through the target node associated with the resource receiving object on the blockchain, and obtains the credit audit result. That is, it is necessary to determine whether the information in the letter of credit data of the letter of credit to be audited matches the letter of credit elements, and it is also necessary to determine whether the usage validity period of the letter of credit to be audited is within the interaction period of the resources to be interacted. After the foregoing matching and determination are completed, the credit audit result is obtained.

[0093] It can be seen from the foregoing embodiments that in practical applications, after the issuance of the letter of credit to be audited is completed, the target node (such as the node corresponding to the negotiating bank) can be automatically notified through the smart contract, and the target node automatically detects the letter of credit data of the letter of credit to be audited through the letter of credit contract conditions. And it can be understood that special business conditions can introduce manual review to confirm the reviewed letter of credit, and then notify the beneficiary (i.e., the resource providing object) after the credit audit result passes.

[0094] It can be understood that the foregoing examples are only for understanding this solution, and the specific settings need to be flexibly determined based on the actual situation.

[0095] In this embodiment, the letter of credit elements matching the resource interaction rules are stored through the letter of credit contract. Thus, the issuing audit process and the credit data audit process can be automatically processed through the letter of credit elements, and credit issues can be further considered in the issuing audit process, which can reduce manual intervention and the participation of third-party institutions. On the basis of reducing the audit cost, the efficiency and reliability of letter of credit generation can be further improved.

[0096] In one embodiment, after the letter of credit is generated, the resource providing object and the resource receiving object need to perform resource interaction based on the generated target letter of credit. At this time, operations such as payment and delivery are automatically executed through the smart contract, and these operations can be managed through the smart contract to ensure the accuracy and security of resource interaction. The method of performing resource interaction based on the target letter of credit will be introduced in detail below: As Figure 5 shown, the method for generating a letter of credit further includes:

[0097] Step 502, receiving a resource interaction request sent by a resource providing object and determining the resource information to be interacted.

[0098] Among them, the resource interaction request carries the resource providing object and the resource receiving object participating in the resource interaction, as well as the resource information to be interacted for this resource interaction. Secondly, the resource information to be interacted includes at least the resource type of the resource to be interacted, the quantity of the resource to be interacted, and the interaction period of the resource to be interacted, and the resource information to be interacted has a corresponding resource value. For example, the resource information to be interacted is 100 keyboards, and the resource value corresponding to the resource information to be interacted is 8000. Specifically, after generating the target letter of credit for the letter of credit generation request, the resource providing object participating in the resource interaction will initiate a resource interaction request to start the resource interaction with the resource receiving object. Thus, the resource interaction management platform receives the resource interaction request sent by the resource providing object and determines the resource information to be interacted in the resource interaction request.

[0099] Step 504, through the target node, based on the letter of credit elements in the target letter of credit, conduct a resource information review on the resource information to be interacted to obtain a resource information review result.

[0100] Among them, the resource information review is used to match the information between the letter of credit elements and the resource information to be interacted. Specifically, since the resource information to be interacted includes at least the resource type of the resource to be interacted, the quantity of the resource to be interacted, and the interaction period of the resource to be interacted, and the letter of credit elements can also include the resource type of the resource to be interacted, the resource value range of the resource interaction, the interaction period of the resource to be interacted, etc., then match the resource type in the resource information to be interacted with the resource type in the letter of credit elements, match the interaction period in the resource information to be interacted with the interaction period in the letter of credit elements, and match the resource value corresponding to the resource information to be interacted with the resource value range in the letter of credit elements to obtain a resource information review result. That is, in the case of any information matching failure, it can be determined that the resource information review result is that the resource information review fails.

[0101] It can be understood that in practical applications, in the target resource interaction scenario as introduced in the foregoing embodiments, in the case of any information matching failure, manual review can be introduced for resource information re-review. If the resource information re-review result is passed, the subsequent steps can also be carried out.

[0102] Optionally, in one embodiment, the generated target letter of credit can also be updated. Specifically, the elements of the letter of credit in the target letter of credit are updated, that is, according to the actual needs of both the resource provider and the resource recipient, the elements of the letter of credit in the target letter of credit are updated and managed through a digital resource smart contract to ensure the accuracy and security of the update of the letter of credit elements. It can be seen from this that the method for generating a letter of credit further includes: receiving a request for updating the elements of the letter of credit, and updating the elements of the letter of credit in the target letter of credit that match the resource interaction rules to determine that the updated elements of the letter of credit are stored in the target letter of credit.

[0103] Specifically, first, a request for updating the elements of the letter of credit is received. The request for updating the elements of the letter of credit can be sent by either the resource provider or the resource recipient, but the execution of the request for updating the elements of the letter of credit requires confirmation by both the resource provider and the resource recipient. Based on this, after the resource provider and the resource recipient confirm that the request for updating the elements of the letter of credit is executable, the elements of the letter of credit in the target letter of credit that match the resource interaction rules are updated. After obtaining the updated elements of the letter of credit, the updated elements of the letter of credit are stored, that is, it is determined that the updated elements of the letter of credit are stored in the target letter of credit, and the elements of the letter of credit before the update are deleted. Based on this, at this time, it is necessary to perform a resource information review on the resource information to be interacted based on the updated elements of the letter of credit in the target node to obtain a resource information review result.

[0104] Step 506, in the case where the resource information review result is that the resource information review is passed, the resource value corresponding to the resource information to be interacted is provided to the resource provider through the target node.

[0105] Specifically, in the case where the resource information review result is that the resource information review is passed, that is, after the resource information review is completed, at this time, the delivery of the resource value can be ensured through the target letter of credit. Therefore, first, the resource value corresponding to the resource information to be interacted is provided to the resource provider through the target node.

[0106] Step 508, send a resource value provision request to the resource recipient through the issuing node, and after the resource recipient completes the operation of providing the resource value corresponding to the resource information to be interacted, send the acquisition information of the resource information to be interacted to the resource recipient.

[0107] Specifically, after providing the resource value corresponding to the resource information to be interacted with to the resource providing object through the target node, it is necessary to send a resource value providing request to the resource receiving object through the issuing node. The resource value providing request is used to request the resource receiving object to perform a resource value providing operation on the resource value corresponding to the resource information to be interacted with. Therefore, after the resource receiving object completes the resource value providing operation for the resource information to be interacted with, the issuing node will further send the acquisition information of the resource information to be interacted with to the resource receiving object.

[0108] That is, in practical applications, after the resource providing object receives the generated target letter of credit, it ships the resource information to be interacted with according to the established resource interaction rules. After the shipment is completed, it passes the review of the target node so that the target node automatically provides the resource value corresponding to the resource providing object. After the resource providing object receives the resource value, it notifies the issuing node through the target node, so that the issuing node notifies the resource receiving object to make a payment for the corresponding resource value. After the payment is completed, the resource receiving object receives the resource information to be interacted with through the acquisition information.

[0109] Taking cross-border resource interaction as an example, the beneficiary (i.e., the resource providing object) receives the issued target letter of credit, ships according to the terms of the resource exchange contract, and submits documents online according to the bill of lading. The letter of credit contract confirms the document information by accessing the transportation data service provider corresponding to the target letter of credit, automatically makes a payment through the target node corresponding to the beneficiary (i.e., the negotiating bank or the paying bank), and notifies the issuer (i.e., the resource receiving object) through the target node (i.e., the issuing bank). Based on this, the target node notifies the issuer to pay and redeem the documents through the letter of credit contract. After the issuer makes a payment, it obtains the relevant bill of lading. Therefore, the issuer can obtain the goods corresponding to the resource interaction through the bill of lading.

[0110] In this embodiment, based on the generation of the target letter of credit, the review of the target letter of credit can ensure the security and reliability of resource interaction, preventing the information in resource interaction from being tampered with or forged, that is, completing reliable and secure resource interaction based on a reliable target letter of credit.

[0111] Based on the detailed introduction of the foregoing embodiments, the following will introduce the complete process of the method for generating a letter of credit in the embodiments of the present application. In one embodiment, as Figure 6 shown, a method for generating a letter of credit is provided. Taking the resource interaction management platform 205 in Figure 2 as an example for illustration. In this embodiment, the method includes the following steps:

[0112] Step 601, receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resource to be interacted with, as well as the resource providing object and the resource receiving object participating in the resource interaction based on the letter of credit generation request.

[0113] Step 602: Receive the resource interaction rules established by the resource provider object and the resource receiver object through the resource interaction smart contract, and store the letter of credit elements matching the resource interaction rules on the pre-deployed letter of credit contract.

[0114] Step 603: Through the issuing node associated with the resource provider object on the blockchain, when the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determine that the issuing review result is that the issuing review is passed.

[0115] Step 604: Through the issuing node associated with the resource provider object on the blockchain, when the resource information does not match the letter of credit elements, determine that the issuing review result is that the issuing review is not passed.

[0116] Step 605: Through the issuing node associated with the resource provider object on the blockchain, when the credit data does not meet the credit data conditions and the resource information matches the letter of credit elements, deduct the guaranteed resource data and determine that the issuing review result is that the issuing review is passed.

[0117] Step 606: When the issuing review result is that the issuing review is passed, through the target node associated with the resource receiver object on the blockchain, conduct a credit data review on the letter of credit to be reviewed generated by the issuing node according to the letter of credit elements in the letter of credit contract to obtain a credit review result.

[0118] Step 607: When the credit review result is that the credit review is passed, generate a target letter of credit for the letter of credit generation request.

[0119] Step 608: Receive the resource interaction request sent by the resource provider object and determine the resource information to be interacted.

[0120] Step 609: Through the target node, conduct a resource information review on the resource information to be interacted based on the letter of credit elements in the target letter of credit to obtain a resource information review result.

[0121] Step 610: When the resource information review result is that the resource information review is passed, provide the resource value corresponding to the resource information to be interacted to the resource provider object through the target node.

[0122] Step 611: Send a resource value provision request to the resource receiver object through the issuing node, and after the resource receiver object completes the operation of providing the resource value corresponding to the resource information to be interacted, send the acquisition information of the resource information to be interacted to the resource receiver object.

[0123] It should be understood that the specific implementation manners of steps 601 to 611 are similar to those of the foregoing embodiments and will not be elaborated herein.

[0124] As can be seen from the foregoing examples, the method for generating a letter of credit will be introduced below for the specific steps of letter of credit generation and execution in the actual application of cross-border resource interaction scenarios for better understanding. For example Figure 7 as shown below:

[0125] Step 701, create a smart contract. By writing smart contract code, functions such as resource trading, storage, and payment are realized, and operations such as the creation, modification, review, and execution of letters of credit are also realized. This smart contract can be written in mainstream smart contract languages such as Solidity.

[0126] Step 702, set the letter of credit elements. After creating the smart contract, it is necessary to set the letter of credit elements, including information of both trading parties, transaction amount, payment method, delivery deadline, payment deadline, delivery location, shipping enterprise, etc., and upload relevant documents and files. These information can be managed through the smart contract to ensure their compliance and effectiveness. Specifically, the importer and the exporter need to enter into an import and export contract, stipulate payment by letter of credit, and clarify information of both parties, transaction amount, payment method, delivery deadline, payment deadline, delivery location, shipping enterprise. The smart contract stores the relevant information on the blockchain and determines the information in the import and export contract as the letter of credit elements.

[0127] Step 703, issuing review. The importer applies for a letter of credit to the issuing institution through the smart contract. The issuing institution is the issuing node on the blockchain and automatically verifies and reviews based on the importer's credit and the letter of credit elements in the smart contract.

[0128] Step 704, review the letter of credit. Automatically review the letter of credit elements through the smart contract to ensure their compliance and effectiveness.

[0129] Step 705, execute the letter of credit. Once the letter of credit is reviewed and approved, operations such as payment and delivery can be automatically executed through the smart contract. These operations can be managed through the digital resource smart contract to ensure their accuracy and security.

[0130] Step 706, monitor the letter of credit: Monitor the execution process of the letter of credit in real time to ensure that both the importer and the exporter conduct transactions in accordance with the agreement. Once any abnormal situation is found, measures can be taken in a timely manner for handling.

[0131] Step 707, update the letter of credit. According to the actual needs of both the importer and the exporter, the letter of credit elements of the letter of credit can be updated through the smart contract. These operations can be managed through the digital resource smart contract to ensure their accuracy and security.

[0132] Step 708, terminate the letter of credit. Under specific circumstances, an ongoing letter of credit can be terminated through a smart contract, and corresponding operations can be carried out. These operations can be managed through a digital resource smart contract to ensure their accuracy and security.

[0133] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are shown in sequence according to the indications of the arrows, these steps do not necessarily need to be executed in the order indicated by the arrows. Unless there is a clear indication in this article, the execution of these steps has no strict order limit, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages do not necessarily need to be completed at the same moment, but can be executed at different moments. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0134] Based on the same inventive concept, an embodiment of the present application further provides a letter of credit generation device for implementing the method for generating a letter of credit involved above. The solution provided by this device for solving problems is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the letter of credit generation device provided below can refer to the limitations on the method for generating a letter of credit in the above text, and will not be repeated here.

[0135] In one embodiment, as Figure 8 shown, a letter of credit generation device is provided, including: a request receiving module 802, an issuing review module 804, a credit data review module 806, and a letter of credit generation module 808, where:

[0136] The request receiving module 802 is configured to receive a letter of credit generation request in a resource interaction scenario, and determine the resource information of the resources to be interacted, as well as the resource providing object and the resource receiving object participating in the resource interaction, based on the letter of credit generation request;

[0137] The issuing review module 804 is configured to perform an issuing review on the resource information through an issuing node associated with the resource receiving object on the blockchain to obtain an issuing review result;

[0138] The credit data review module 806 is configured to, when the issuing review result is that the issuing review is passed, perform a credit data review on the letter of credit to be reviewed generated by the issuing node through a target node associated with the resource providing object on the blockchain to obtain a credit review result;

[0139] The letter of credit generation module 808 is used to generate a target letter of credit for a letter of credit generation request when the credit review result is that the credit review is passed.

[0140] In one embodiment, the letter of credit generation device further includes a letter of credit element matching module;

[0141] The letter of credit element matching module is used to receive the resource interaction rules established by the resource providing object and the resource receiving object through the resource interaction smart contract, and store the letter of credit elements matching the resource interaction rules on the pre-deployed letter of credit contract;

[0142] The issuing review module is specifically used to conduct an issuing review on the resource information according to the letter of credit elements in the letter of credit contract through the issuing node associated with the resource providing object on the blockchain, and obtain the issuing review result;

[0143] The credit data review module is specifically used to conduct a credit data review on the letter of credit to be reviewed generated by the issuing node according to the letter of credit elements in the letter of credit contract through the target node associated with the resource receiving object on the blockchain, and obtain the credit review result.

[0144] In one embodiment, the issuing review module is specifically used to conduct an issuing review on the resource information according to the letter of credit elements in the letter of credit contract and the credit data through the issuing node associated with the resource providing object on the blockchain, and obtain the issuing review result.

[0145] In one embodiment, the issuing review module is specifically used to determine that the issuing review result is that the issuing review is passed when the credit data meets the credit data conditions and the resource information matches the letter of credit elements.

[0146] In one embodiment, the issuing review module is specifically used to determine that the issuing review result is that the issuing review is not passed when the resource information does not match the letter of credit elements.

[0147] In one embodiment, the issuing review module is specifically used to deduct the guaranteed resource data when the credit data does not meet the credit data conditions and the resource information matches the letter of credit elements, and determine that the issuing review result is that the issuing review is passed.

[0148] In one embodiment, the credit data conditions include multiple credit data ranges, and each credit data range has its own matching range of interactable resource values;

[0149] The issuing review module is specifically configured to determine the interactive resource value range to which the resource value range in the letter of credit elements belongs, and the credit data range to which the credit data belongs when the credit data meets the credit data conditions and the resource information matches the letter of credit elements; when the interactive resource value range to which the resource value range belongs is consistent with the interactive resource value range to which the credit data belongs, determine that the issuing review result is that the issuing review is passed.

[0150] In one embodiment, the letter of credit generation device further includes a resource information determination module, a resource information review module, a resource value providing module, and a resource information acquisition module;

[0151] The resource information determination module is configured to receive a resource interaction request sent by a resource providing object and determine the resource information to be interacted;

[0152] The resource information review module is configured to, through a target node, perform resource information review on the resource information to be interacted based on the letter of credit elements in the target letter of credit to obtain a resource information review result;

[0153] The resource value providing module is configured to, when the resource information review result is that the resource information review is passed, provide the resource value corresponding to the resource information to be interacted to the resource providing object through the target node;

[0154] The resource information acquisition module is configured to send a resource value providing request to a resource receiving object through an issuing node, and send acquisition information of the resource information to be interacted to the resource receiving object after the resource receiving object completes the resource value providing operation corresponding to the resource information to be interacted.

[0155] In one embodiment, the letter of credit generation device further includes a letter of credit element update module;

[0156] The letter of credit element update module is configured to receive a letter of credit element update request, update the letter of credit elements in the target letter of credit that match the resource interaction rules, so as to determine that the updated letter of credit elements are stored in the target letter of credit;

[0157] The resource information review module is specifically configured to, through a target node, perform resource information review on the resource information to be interacted based on the updated letter of credit elements in the target letter of credit to obtain a resource information review result.

[0158] In one embodiment, the letter of credit generation device further includes a letter of credit usage warning module;

[0159] The letter of credit usage warning module is configured to send a letter of credit usage warning message when the usage information of the target letter of credit meets the abnormal usage information.

[0160] In one embodiment, the letter of credit generation device further includes a letter of credit termination module;

[0161] The letter of credit termination module is used to terminate the usage process of the target letter of credit when the letter of credit termination condition is met.

[0162] In one embodiment, the resource interaction scenario is the target resource interaction scenario;

[0163] The credit data review module is further used to, when the letter of credit opening review result is that the letter of credit opening review fails and the manual letter of credit opening review result for the resource information is that the manual letter of credit opening review passes, review the credit data of the letter of credit to be reviewed generated by the letter of credit opening node through the target node associated with the resource providing object on the blockchain, and obtain the credit review result;

[0164] The letter of credit generation module is further used to generate the target letter of credit for the letter of credit generation request when the credit review result is that the credit review fails and the manual credit review result for the letter of credit to be reviewed is that the manual credit review passes.

[0165] Each module in the above letter of credit generation device can be implemented in whole or in part by software, hardware, and their combination. The above modules can be embedded in the processor of the computer device in hardware form or be independent of it, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to the above modules.

[0166] In one embodiment, a computer device is provided. The computer device can be a server or a terminal. In this embodiment, the computer device being a server is taken as an example for introduction, and its internal structure diagram can be as Figure 9 shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, abbreviated as I / O), and a communication interface. Among them, the processor, the memory, and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, 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 the computer program in the non-volatile storage medium. The database of the computer device is used to store data related to the resource information, resource interaction rules, and letter of credit contracts in the embodiments of the present application. The input / output interface of the computer device is used for the processor to exchange information with external devices. The communication interface of the computer device is used to communicate with external terminals through a network connection. When the computer program is executed by the processor, it realizes a method for generating a letter of credit.

[0167] Those skilled in the art can understand that Figure 9 The structure shown in Figure 9 is only a block diagram of some structures related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0168] In one embodiment, a computer device is further provided, including a memory and a processor. A computer program is stored in the memory, and when the processor executes the computer program, the steps in the above method embodiments are implemented.

[0169] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0170] In one embodiment, a computer program product is provided, including a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0171] It should be noted that the object information (including but not limited to object device information, object personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the object or fully authorized by all parties, and the collection, use, and processing of relevant data need to comply with the relevant laws, regulations, and standards of relevant countries and regions.

[0172] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. 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 methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memories can include read-only memory (ROM), magnetic tapes, floppy disks, flash memories, optical memories, high-density embedded non-volatile memories, resistive random access memories (ReRAM), magnetoresistive random access memories (MRAM), ferroelectric random access memories (FRAM), phase change memories (PCM), graphene memories, etc. Volatile memories can include random access memory (RAM) or external cache memories, 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), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processors, graphics processors, digital signal processors, programmable logics, data processing logics based on quantum computing, etc., without limitation.

[0173] The technical feature information of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical feature information in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical feature information, it should be considered as the scope recorded in this specification.

[0174] The above-described embodiments only represent several implementation manners of the present application. The description is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A method for generating a letter of credit, characterized in that, Including: Receiving a letter of credit generation request in a resource interaction scenario, and determining resource information of resources to be interacted, a resource providing object and a resource receiving object participating in the resource interaction based on the letter of credit generation request; Conducting an issuing review on the resource information through an issuing node associated with the resource receiving object on the blockchain to obtain an issuing review result; In the case where the issuing review result is that the issuing review is passed, conducting a credit data review on the letter of credit to be reviewed generated by the issuing node through a target node associated with the resource providing object on the blockchain to obtain a credit review result; In the case where the credit review result is that the credit review is passed, generating a target letter of credit for the letter of credit generation request.

2. The method according to claim 1, wherein The method further includes: Receiving resource interaction rules concluded by the resource providing object and the resource receiving object through a resource interaction smart contract, and storing letter of credit elements matching the resource interaction rules on a pre-deployed letter of credit contract; The conducting an issuing review on the resource information through an issuing node associated with the resource providing object on the blockchain to obtain an issuing review result includes: Conducting an issuing review on the resource information through an issuing node associated with the resource providing object on the blockchain according to the letter of credit elements in the letter of credit contract to obtain an issuing review result; The conducting a credit data review on the letter of credit to be reviewed generated by the issuing node through a target node associated with the resource receiving object on the blockchain to obtain a credit review result includes: Conducting a credit data review on the letter of credit to be reviewed generated by the issuing node through a target node associated with the resource receiving object on the blockchain according to the letter of credit elements in the letter of credit contract to obtain a credit review result.

3. The method according to claim 2, wherein The conducting an issuing review on the resource information through an issuing node associated with the resource providing object on the blockchain according to the letter of credit elements in the letter of credit contract to obtain an issuing review result includes: Conducting an issuing review on the resource information through an issuing node associated with the resource providing object on the blockchain according to the letter of credit elements in the letter of credit contract and the credit data to obtain an issuing review result.

4. The method according to claim 3, wherein The conducting an issuing review on the resource information according to the letter of credit elements in the letter of credit contract and the credit data to obtain an issuing review result includes: In the case where the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determining that the issuing review result is that the issuing review is passed; In the case where the resource information does not match the letter of credit elements, determining that the issuing review result is that the issuing review is not passed; In the case where the credit data does not meet the credit data conditions and the resource information matches the letter of credit elements, deducting the guaranteed resource data and determining that the issuing review result is that the issuing review is passed.

5. The method according to claim 4, characterized in that, The credit data conditions include multiple credit data ranges, and each of the credit data ranges has a respective matching range of interactable resource values; When the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determining that the letter of credit review result is a passed letter of credit review, includes: When the credit data meets the credit data conditions and the resource information matches the letter of credit elements, determining the interactive resource value range to which the resource value range in the letter of credit elements belongs, and the credit data range to which the credit data belongs; When the interactive resource value range to which the resource value range belongs is consistent with the interactive resource value range that matches the credit data range to which the credit data belongs, determining that the letter of credit review result is a passed letter of credit review.

6. The method according to claim 2, wherein The method further includes: Receiving a resource interaction request sent by the resource providing object and determining the resource information to be interacted; Based on the letter of credit elements in the target letter of credit, the target node performs a resource information review on the resource information to be interacted to obtain a resource information review result; When the resource information review result is a passed resource information review, the target node provides the resource value corresponding to the resource information to be interacted to the resource providing object; Sending a resource value providing request to the resource receiving object through the issuing node, and after the resource receiving object completes the resource value providing operation corresponding to the resource information to be interacted, sending the acquisition information of the resource information to be interacted to the resource receiving object.

7. The method according to claim 6, wherein The method further includes: Receiving a letter of credit element update request, and updating the letter of credit elements in the target letter of credit that match the resource interaction rules to determine that the updated letter of credit elements are stored in the target letter of credit; The performing, by the target node, a resource information review on the resource information to be interacted based on the letter of credit elements in the target letter of credit to obtain a resource information review result includes: Based on the updated letter of credit elements in the target letter of credit, the target node performs a resource information review on the resource information to be interacted to obtain a resource information review result.

8. The method according to claim 1, characterized in that The method further includes: When the usage information of the target letter of credit meets the abnormal usage information, sending a letter of credit usage warning message; Or, When the letter of credit termination condition is met, terminating the usage process of the target letter of credit.

9. The method according to claim 1, characterized in that The resource interaction scenario is a target resource interaction scenario; The method further includes: When the letter of credit review result is a failed letter of credit review and the manual letter of credit review result for the resource information is a passed manual letter of credit review, the target node associated with the resource providing object on the blockchain performs a credit data review on the letter of credit to be reviewed generated by the issuing node to obtain a credit review result; When the credit review result is a failed credit review and the manual credit review result for the letter of credit to be reviewed is a passed manual credit review, generating a target letter of credit for the letter of credit generation request.

10. A letter of credit generation device, characterized in that, The device includes: A request receiving module, configured to receive a letter of credit generation request in a resource interaction scenario, and determine resource information of resources to be interacted, as well as a resource providing object and a resource receiving object participating in the resource interaction based on the letter of credit generation request; An issuing review module, configured to conduct an issuing review on the resource information through an issuing node associated with the resource receiving object on a blockchain, so as to obtain an issuing review result; A credit data review module, configured to, when the issuing review result indicates that the issuing review is passed, conduct a credit data review on a letter of credit to be reviewed generated by the issuing node through a target node associated with the resource providing object on the blockchain, so as to obtain a credit review result; A letter of credit generation module, configured to generate a target letter of credit for the letter of credit generation request when the credit review result indicates that the credit review is passed.

11. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 9 are implemented.

12. 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 9 are implemented.

13. 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 9 are implemented.

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