Business processing method and device based on block chain, and electronic equipment

Abstract

The embodiment of the invention provides a business processing method and device based on a block chain, electronic equipment and a computer readable storage medium, and relates to the technical field of block chains. The method comprises the steps that a processing node receives a resource pre-branch request, the resource pre-branch request comprises resource transfer information, and the resource transfer information comprises the number of first virtual resources; sending a resource pre-branch request to a first server, wherein the first server is a server corresponding to a resource issuing mechanism; after a first order sent by the first server is received, whether a resource issuing mechanism completes a resource advance request is inquired, the first order is an order corresponding to the resource advance request, the first order comprises resource transfer information and use permission information, and the use permission information is used for indicating the use range of the first virtual resource; and if it is determined that the resource issuing mechanism completes the resource advance request, uploading the first order to the block chain. According to the embodiment of the invention, the flow direction of the first virtual resource is limited, and the security of the first order is improved.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology. Specifically, the present application relates to a blockchain business processing method, device, electronic device and computer-readable storage medium. Background Art

[0002] Cash installment is a personal consumer finance product based on the credit card business, designed to meet customers' daily cash needs. Within their credit card limit, customers can apply for a cash installment plan through the cash installment system. Once the system automatically approves the application, the funds are disbursed to the customer's bank debit card.

[0003] Banking institutions generally require that cash requested by customers not be used for business operations or investments, including but not limited to purchasing homes, stocks, other equity investments, or production and operations. Existing technologies typically require customers to retain the purchase order form for successfully applying for cash installments, and then review the purchase order form to determine whether the customer has properly used the requested cash. Consequently, existing technologies can only determine whether the customer has used the requested cash for business operations or investments after the customer has provided the purchase order form, resulting in a lag. Furthermore, existing technologies store customer purchase orders in a local database, making the order information susceptible to tampering and failing to effectively protect user order information. Summary of the Invention

[0004] The embodiments of the present application provide a blockchain-based business processing method, device, electronic device, computer-readable storage medium, and computer program product that can solve the above-mentioned problems of the prior art. The technical solution is as follows:

[0005] According to a first aspect of an embodiment of the present application, a blockchain-based business processing method is provided, which is applied to a business system, wherein the business system includes a processing node, and the method includes:

[0006] The processing node receives a resource advance request, the resource advance request being used to request a resource issuing institution to transfer a first virtual resource to an account of a target object in a resource debit institution and instructing a return method of the first virtual resource to be returned to the resource issuing institution in installments, the resource advance request including resource transfer information, and the resource transfer information including the amount of the first virtual resource;

[0007] The processing node sends the resource advance request to a first server, where the first server is a server corresponding to the resource issuing organization;

[0008] If the processing node receives a first order sent by the first server, querying the resource issuing agency whether the resource advance request has been completed, the first order being an order corresponding to the resource advance request, the first order including the resource transfer information and usage permission information, the usage permission information being used to indicate a usage scope of the first virtual resource;

[0009] If the processing node determines that the resource issuing agency completes the resource advance request, the first order is uploaded to the blockchain.

[0010] According to a second aspect of an embodiment of the present application, a blockchain-based business processing device is provided, which is applied to a business system, wherein the business system includes a processing node, and the device includes:

[0011] a receiving module, wherein the processing node receives a resource advance request, wherein the resource advance request is used to request a resource issuing institution to transfer a first virtual resource to an account of a target object in a resource debit institution, and to indicate a return method of the first virtual resource to the resource issuing institution in installments, wherein the resource advance request includes resource transfer information, and the resource transfer information includes the amount of the first virtual resource;

[0012] A sending module, configured for the processing node to send the resource advance request to a first server, where the first server is a server corresponding to the resource issuing agency;

[0013] a request module configured to query the resource issuing agency whether the resource advance request has been completed upon receipt by the processing node of a first order sent by the first server, wherein the first order corresponds to the resource advance request and includes the resource transfer information and usage permission information, wherein the usage permission information indicates a usage scope of the first virtual resource;

[0014] A determination module is configured to upload the first order to the blockchain if the processing node determines that the resource issuing agency has completed the resource advance request.

[0015] According to a third aspect of an embodiment of the present application, an electronic device is provided, which includes a memory, a processor, and a computer program stored in the memory, and when the processor executes the program, the steps of the method provided in the first aspect are implemented.

[0016] According to a fourth aspect of an embodiment of the present application, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the method provided in the first aspect are implemented.

[0017] According to the fifth aspect of the embodiment of the present application, a computer program product is provided, which includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. When the processor of a computer device reads the computer instructions from the computer-readable storage medium, the processor executes the computer instructions, so that the computer device performs the steps of implementing the method provided in the first aspect.

[0018] The beneficial effects of the technical solution provided by the embodiments of the present application are:

[0019] A processing node is set in the business system, and the processing node is used to receive a resource advance request and send the resource advance request to the first server, so that the first server obtains resource transfer information and a return method for the first virtual resource to be returned in installments according to the resource advance request, so that the first server generates a first order according to the quantity and return method of the first virtual resource in the resource transfer information, and sets the use scope of the first virtual resource in the first order; after receiving the first order sent by the first server, the processing node determines whether the first order is completed by querying the resource issuing agency whether the resource advance request is completed. If it is determined that the resource issuing agency has transferred the first virtual resource to the target object, the processing node determines whether the resource advance request is completed. The account in the resource debit institution indicates that the first order has been completed. When the first order is completed, the first order is uploaded to the blockchain. The first order is uploaded to the blockchain only after the target object's account in the resource debit institution obtains the first virtual resource, so that the flow direction of the first virtual resource can be accurately determined according to the first order in the blockchain; by setting permission information in the first order, the scope of use of the first virtual resource is clarified, and the flow direction of the first virtual resource can be restricted according to the first order stored in the blockchain; by uploading the first order to the blockchain, the decentralized function of the blockchain can be used to prevent the first order from being tampered with, thereby improving the security of the first order and the credibility of the business system. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for describing the embodiments of the present application.

[0021] Figure 1 A schematic diagram of the system architecture for implementing blockchain business processing provided in an embodiment of the present application;

[0022] Figure 2 A flowchart of a blockchain-based business processing method provided in an embodiment of the present application;

[0023] Figure 3 A schematic diagram of a process for querying an order provided in an embodiment of the present application;

[0024] Figure 4A flowchart of another blockchain-based business processing method provided in an embodiment of the present application;

[0025] Figure 5 A flowchart of another blockchain-based business processing method provided in an embodiment of the present application;

[0026] Figure 6a A schematic diagram of the client repayment page interface provided in an embodiment of the present application;

[0027] Figure 6b A schematic diagram of the client application page-home page interface provided in an embodiment of the present application;

[0028] Figure 6c Schematic diagram of the client application page - amount input interface provided in the embodiment of this application;

[0029] Figure 6d Schematic diagram of the client application page-confirmation information interface provided in the embodiment of this application;

[0030] Figure 6e Schematic diagram of the client payment password verification interface provided in an embodiment of the present application;

[0031] Figure 6f Schematic diagram of the client bank SMS verification interface provided in this application embodiment;

[0032] Figure 6g Schematic diagram of the client application success interface provided in this embodiment of the application;

[0033] Figure 7 Schematic diagram of another blockchain-based business processing method provided in an embodiment of the present application

[0034] Figure 8 A schematic diagram of the structure of a blockchain-based business processing device provided in an embodiment of the present application;

[0035] Figure 9 A schematic diagram of the structure of an electronic device for blockchain-based business processing provided in an embodiment of the present application. DETAILED DESCRIPTION

[0036] The following describes the embodiments of the present application in conjunction with the accompanying drawings. It should be understood that the embodiments described below in conjunction with the accompanying drawings are exemplary descriptions for explaining the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions of the embodiments of the present application.

[0037] Those skilled in the art will understand that, unless otherwise stated, the singular forms "a", "an", "said", and "the" used herein may also include plural forms. It should be further understood that the terms "including" and "comprising" used in the embodiments of the present application mean that the corresponding features can be implemented as the presented features, information, data, steps, operations, elements, and / or components, but do not exclude implementation as other features, information, data, steps, operations, elements, components, and / or combinations thereof supported by the present technical field. It should be understood that when we say that an element is "connected" or "coupled" to another element, the element can be directly connected or coupled to the other element, or it can refer to the element and the other element establishing a connection relationship through an intermediate element. In addition, the "connection" or "coupling" used here can include wireless connection or wireless coupling. The term "and / or" used here indicates at least one of the items defined by the term, for example, "A and / or B" can be implemented as "A", or as "B", or as "A and B".

[0038] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program that has a predetermined function and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0039] In order to make the objectives, technical solutions and advantages of this application clearer, the implementation methods of this application will be further described in detail below with reference to the accompanying drawings.

[0040] First, several terms involved in this application are introduced and explained:

[0041] Cash Installment: This is a personal, small-amount consumer finance product based on the credit card business, designed to meet customers' daily cash needs. Within their credit card limit, customers can apply for a cash installment plan. Once the system automatically approves the application, funds are immediately transferred to the customer's debit card account.

[0042] Blockchain technology is a decentralized distributed ledger technology that uses encryption, consensus mechanisms, and distributed storage to ensure reliable, transparent, tamper-proof, and decentralized information storage. The core concept of blockchain technology is to store data in a decentralized manner across every node in the network. A consensus mechanism coordinates data synchronization and verification across nodes, thereby achieving high data security and reliability. Blockchain technology can be applied to a variety of fields, including digital currency, supply chain management, smart contracts, and identity authentication.

[0043] Consensus refers to the process by which different nodes in a distributed system reach a consensus on decisions or states through the use of specific algorithms and rules. In blockchain technology, consensus refers to the process by which nodes collaboratively verify transactions and blocks, achieving unanimous approval and synchronized updates of ledger data. Consensus mechanisms ensure the security and stability of blockchain networks, prevent risks such as tampering and double spending, and effectively improve network scalability and performance. Common consensus mechanisms include proof-of-work (PoW), proof-of-stake (PoS), and distributed ledger (DAG).

[0044] A database (DB) is a system that organizes, stores, manages, and maintains data according to a specific data structure. It provides efficient data storage, fast retrieval, and effective management. A database typically consists of several tables, each containing several fields, each storing data of a specific data type. Database systems also provide a variety of data manipulation and management functions, such as inserting, querying, updating, and deleting data, as well as transaction management, data backup, and recovery.

[0045] Partner: refers to the financial institution responsible for accepting the cash installment application initiated by the customer and issuing cash in the cash installment business, usually a bank

[0046] The customer's address in the blockchain: refers to the string of characters used by the blockchain to store orders. It is usually composed of a string of characters. It is generated by hashing the customer's public key. It can identify the customer to whom the data on the blockchain belongs without revealing the customer's real data.

[0047] The blockchain-based business processing method, device, electronic device, computer-readable storage medium, and computer program product provided in this application are intended to solve the above technical problems of the prior art.

[0048] The following describes several exemplary embodiments to illustrate the technical solutions of the embodiments of the present application and the technical effects produced by the technical solutions of the present application. It should be noted that the following embodiments can refer to, draw on, or combine with each other, and the same terms, similar features, and similar implementation steps in different embodiments will not be repeated.

[0049] Figure 1A schematic diagram of the system architecture for implementing blockchain-based business processing provided in an embodiment of the present application includes a processing node 101, a first server 102 of a resource issuing agency, a client 103 of a target object, a blockchain 104, and a blockchain node 105 in the blockchain. The processing node 101 is a server or terminal in the business system for receiving resource advance requests. The first server 102, the client 103, and the blockchain 104 are respectively connected to the processing node 101 via a wired or wireless network. The business system can be a cash installment business system, the target object can be a customer applying for a cash installment business, the resource issuing agency can be the bank corresponding to the credit card account of the customer in the cash installment business, and the target object sends a resource advance request to the processing node in the business system through the client 103. The request is used to request the resource issuing agency to transfer the first virtual resource to an account in the resource debit agency of the target object. The resource debit agency can be the bank corresponding to the debit card account of the customer in the cash installment business. The processing node 101 can send the received resource advance request to the first server 102. The server 102 generates a first order based on the resource advance request, and specifies the usage scope of the first virtual resource in the first order. Finally, the first order is sent to the processing node 101. After receiving the first order, the processing node 101 queries the resource issuing agency to see whether the resource advance request has been completed. If it is determined that the resource issuing agency has completed the resource advance request, the processing node 101 uploads the first order to the blockchain 104.

[0050] Blockchain 104 refers to a network for sharing data between nodes. Blockchain 104 may include multiple blockchain nodes 105. Each blockchain node 105 can receive input information during normal operation and maintain the shared data (i.e., blockchain) within the blockchain network based on the received input information. To ensure information intercommunication within the blockchain network, information connections can exist between each node, and peer-to-peer (P2P) communication can be achieved between any two nodes. Specifically, P2P communication can be achieved through wired communication links or wireless communication links. For example, when any node in the blockchain network receives input information, other nodes obtain the input information according to the consensus mechanism and store the input information as data in the shared data, so that the data stored on all nodes in the blockchain network is consistent.

[0051] The present application provides a blockchain-based business processing method, which is applied to a business system. The business system includes a processing node, such as Figure 2 As shown, the method includes steps S201, S202, S203 and S204:

[0052] S201. The processing node receives a resource advance request. The resource advance request is used to request the resource issuing institution to transfer the first virtual resource to the target object's account in the resource debit institution, and to indicate the return method of the first virtual resource to the resource issuing institution in installments. The resource advance request includes resource transfer information, and the resource transfer information includes the quantity of the first virtual resource.

[0053] In an embodiment of the present application, the business system may be a cash installment business system, the resource advance request may be a cash installment business request, the processing node may be a server in the cash installment business system for receiving cash installment business requests from customers, the server may be a distributed server, and the concurrent execution involves various processes of the processing node. The cash installment business system is built by a bank or a third-party platform, and the third-party platform may be a WeChat platform, which is not specifically limited in the embodiment of the present application. In some embodiments, before a customer applies for a cash installment service through the cash installment business system, he or she needs to register an account on the corresponding platform and log in to the platform through the registered account. In addition, a client corresponding to the cash installment business system may be provided to the customer, so that the customer interacts with the processing node in the cash installment business system through the client and applies to transfer part of the amount within the customer's credit card limit to the customer's debit card.

[0054] The resource advance request received by the processing node may include the customer's credit card account at the resource issuing institution, the customer's debit card account at the resource debit institution, and how the customer will return the first virtual resource after applying for it. For example, if the first virtual resource is 5,000 yuan, the return method is to return 5,000 yuan to the resource issuing institution over 12 months (in order to make the solution easier to understand, the embodiment of this application does not involve interest). The resource transfer information in the resource advance request includes the amount of the first virtual resource. For example, when the first virtual resource is 5,000 yuan, the resource advance request will include the amount of the first virtual resource as 5,000 yuan.

[0055] In some embodiments, the resource advance request includes the target object's account in the resource debit institution. The target object's account in the resource advance institution and the target object's account in the resource debit institution can be bound to the platform corresponding to the business system. The account information of the target object in the resource debit institution in the resource advance request received by the processing node can be filled in by the target object in the client and obtained from the platform corresponding to the business system.

[0056] For example, when the business system is a cash installment business system, the corresponding platform of the cash installment business system is WeChat. When the customer uses the payment function of WeChat, the customer's credit card account and debit card account are bound to WeChat. When the customer applies for cash installment business through WeChat, the customer can fill in his or her own credit card account and debit card account in the cash installment business system, or the cash installment business system can obtain the customer's credit card account and debit card account bound in WeChat.

[0057] In an embodiment of the present application, a processing node is set up in a business system to receive a resource advance request, which includes the quantity of the first virtual resource and the return method when the first virtual resource is returned in installments to the resource issuing agency, thereby clarifying the target object's needs for the business and improving user experience.

[0058] S202: The processing node sends a resource advance request to a first server, where the first server is a server corresponding to a resource issuing organization.

[0059] In an embodiment of the present application, the first server is a server corresponding to the resource issuing agency. When the business is a cash installment business and the resource issuing agency is a bank, the first server is a server in the bank used to handle the cash installment business. The server can be a server cluster, and the server can also correspond to the region to which the credit card held by the customer belongs. For example, if the customer holds a credit card of the Beijing Branch of the Bank of China, the first server is the server of the Beijing Branch of the Bank of China that interacts with the business system.

[0060] The processing node sends the received resource advance request to the first server, that is, the processing node realizes the information interaction between the target object and the first server, so that after the first server receives the resource advance request, it obtains the quantity of the first virtual resource that the target object wants to apply for, and the return method that the target object wants to return the first virtual resource.

[0061] S203. If the processing node receives the first order sent by the first server, it queries the resource issuing agency whether it has completed the resource advance request. The first order is the order corresponding to the resource advance request. The first order includes resource transfer information and usage permission information. The usage permission information is used to indicate the scope of use of the first virtual resource.

[0062] In an embodiment of the present application, after the first server receives the resource advance request sent by the processing node, it creates a first order based on the resource transfer information in the resource advance request and the return method of the first virtual resource in installments to the resource issuing agency, and sends the first order to the processing node.

[0063] The processing node is also used to receive a first order sent by the first server, and the first order includes resource transfer information and usage permission information, and the usage permission information is used to indicate the scope of use of the first virtual resource. In some embodiments, the first order may also include the amount of returned virtual resources in each installment stage generated by the first server according to the return method in the resource advance request. For example, the first virtual resource is 5,000 yuan, and the return method is 12 months. Each month is regarded as an installment stage. The first server obtains the amount that the customer needs to return to the bank in each installment stage according to the interest rate rules of the corresponding bank for cash installment business. The amount that the customer needs to return to the bank in each installment stage is recorded on the first order. At the same time, the first order also includes the scope of use of the 5,000 yuan, such as what is allowed for personal consumption, and the scope that cannot be used, such as purchasing financial products.

[0064] In specific implementation, the scope of use information may indicate the following: it shall not flow into the securities market, futures market, or be used for equity investment or real estate project development; it shall not be used for purchasing houses; it shall not be used for purchasing financial products; it shall not be used for investment account trading products; it shall not be used for purchasing bonds; it shall not be used for borrowing; it shall not be used for production and operation, etc.

[0065] Related technologies, designed to track the flow of cash requested by customers, typically require customers to regularly report or inform the bank of their cash usage and provide documentation, such as invoices, demonstrating the cash's purpose. This method can only determine whether the cash has been used for the intended purpose after the customer has used it, and cannot restrict the flow of cash, resulting in a lag.

[0066] The embodiment of the present application records the usage permission information in the first order, so that the resource debit institution can obtain the usage scope of the first virtual resource of the target object based on the first order. When the target object uses the first virtual resource in the account of the resource debit institution to conduct a transaction, the resource debit institution can accurately determine whether the transaction is within the usage scope. If it is not within the usage scope of the first virtual resource, the target object is not allowed to conduct the transaction.

[0067] In an embodiment of the present application, after receiving the first order, the processing node can query the resource issuing agency or the resource debiting agency to determine whether the first order has been completed. The completion of the first order means that the resource issuing agency has transferred the first virtual resource to the target object's account in the resource debiting agency, that is, the resource issuing agency has completed the resource advance request. It should be understood that after generating the first order, the resource issuing agency may not immediately transfer the first virtual resource to the target object's account in the resource debiting agency. The processing node can query the resource issuing agency or the resource debiting agency to find out whether the first order has been completed.

[0068] S204. If the processing node determines that the resource issuing agency has completed the resource advance request, it uploads the first order to the blockchain.

[0069] In an embodiment of the present application, after the processing node inquires with the resource issuing institution or the resource debit institution whether the first order has been completed, if it is determined that the resource issuing institution has completed the resource advance request, that is, it is determined that the first order has been completed, the first order is uploaded to the blockchain.

[0070] Due to network delays and other reasons, there may be a gap between the time the first server generates the first order and the time the resource issuing agency transfers the first virtual resource to the resource debit agency. If the unfinished first order is uploaded to the blockchain, if the subsequent resource issuing agency cannot complete the resource advance request due to some special reasons, the first order will be stored in the blockchain forever. Based on the decentralized function of the blockchain, the first order cannot be deleted or modified, resulting in a decrease in the customer's trust in the business system. Therefore, in the embodiment of the present application, after determining that the resource issuing agency has completed the resource advance request, the first order is uploaded to the blockchain.

[0071] Considering that in the prior art, customers' orders for cash installment services are stored in a local database, even if the orders are encrypted and stored in time, they may be subject to malicious attacks by hackers, tampering with the information in the order, and reducing customers' trust in the platform where the business system is located. The embodiment of the present application utilizes the decentralized technology of the blockchain to store the first order in the blockchain, so that the first order cannot be tampered with, thereby improving customers' trust in the platform. By storing the first order in the blockchain, the resource debit institution can also obtain the first order from the blockchain, and limit the flow of the first virtual resource based on the usage permission information in the first order, thereby preventing the first virtual resource from being used in a way that is not allowed by the resource issuing institution.

[0072] In an embodiment of the present application, a processing node is set in a business system, and the processing node is used to receive a resource advance request and send the resource advance request to a first server, so that the first server obtains resource transfer information and a return method for the first virtual resource to be returned in installments according to the resource advance request, thereby enabling the first server to generate a first order according to the quantity and return method of the first virtual resource in the resource transfer information, and set the usage scope of the first virtual resource in the first order; after receiving the first order sent by the first server, the processing node determines whether the first order is completed by querying whether the resource issuing agency has completed the resource advance request. If it is determined that the resource issuing agency has transferred the first virtual resource to the target server, the processing node determines whether the resource advance request has been completed. If the target object's account in the resource debit institution is clear, it means that the first order has been completed. When the first order is completed, the first order is uploaded to the blockchain. The first order is uploaded to the blockchain only after the target object's account in the resource debit institution obtains the first virtual resource, so that the flow direction of the first virtual resource can be accurately determined according to the first order in the blockchain; by setting permission information in the first order, the scope of use of the first virtual resource is clarified, and the flow direction of the first virtual resource can be restricted according to the first order stored in the blockchain; by uploading the first order to the blockchain, the decentralized function of the blockchain can be used to prevent the first order from being tampered with, thereby improving the security of the first order and the credibility of the business system.

[0073] Based on the above embodiments, as an optional embodiment, the processing node uploads the first order to the blockchain, and then further includes:

[0074] The processing node sends a first query request to a second server corresponding to the resource debit institution, where the first query request is used to request to obtain multiple second orders of the target object, where the second orders are orders corresponding to resource transfer requests, and the resource transfer requests are used to request to transfer a second virtual resource in the account of the first object, where the second virtual resource is part or all of the first virtual resource.

[0075] If the processing node receives the second order sent by the second server, it queries the resource debit institution whether the resource transfer request has been completed;

[0076] If the processing node determines that the resource debit institution completes the resource transfer request, it uploads the second order to the blockchain.

[0077] In an embodiment of the present application, after the first virtual resource is transferred to the target object's account in the resource debit institution, the target object will use the first virtual resource for consumption. In order to obtain the specific flow of the first virtual resource, it is necessary to inquire with the resource debit institution about the target object's order for using the first virtual resource.

[0078] In the embodiment of the present application, the second server is the server corresponding to the resource debit institution. This second server can be a server cluster and can also correspond to the region to which the customer's debit card belongs. For example, if the customer holds a debit card issued by the Shanghai Branch of the Industrial and Commercial Bank of China, the second server is the server of the Shanghai Branch of the Industrial and Commercial Bank of China that interacts with the business system. It should be noted that both the resource issuing institution and the resource debit institution are partners of the business system. Interaction between the business system and the resource issuing institution is achieved through interaction with the first server via the processing node, and interaction between the business system and the resource debit institution is achieved through interaction between the processing node and the second server.

[0079] The processing node sends a first query request to the second server to obtain the second order of the target object. The second order is an order corresponding to a resource transfer request, which is used to request the transfer of a second virtual resource in the target object's account in the resource debit institution to the first object. The second virtual resource is a portion or all of the first virtual resource. For example, when the business system is a cash installment business system, the bank corresponding to the customer's credit card transfers a 5,000 yuan credit limit on the credit card to the customer's debit card. When the customer uses 1,000 yuan of the 5,000 yuan on the debit card to purchase goods from Supermarket A, the generated order is the second order, the first object is Supermarket A, and 1,000 yuan is the second virtual resource.

[0080] In some embodiments, the target object can use the second virtual resource in the account of the resource debit institution through a payment platform, such as the WeChat payment platform, the Alipay payment platform, and the payment platform corresponding to the resource debit institution. When the target object transfers the second virtual resource to the first object based on the payment platform, it initiates a resource transfer request to the payment platform. The payment platform transfers the second virtual resource of the target object to the first object based on the resource transfer request. For example, the payment platform is the WeChat payment platform, and the WeChat payment platform is bound to the debit card used by the customer to apply for cash services. The customer enters the payment page by scanning the QR code of Supermarket A, enters the transfer amount on the payment page, selects the debit card used to apply for cash services, and selects the cash balance corresponding to the cash installment service on the debit card, that is, the cash balance corresponding to the non-cash installment service and the cash balance corresponding to the cash installment service on the debit card are displayed separately. Then, after entering the payment password corresponding to the WeChat payment platform, the bank corresponding to the debit card will generate a second order, and the WeChat payment platform will also generate a second order. Therefore, in some embodiments, the target object's second order can also be queried from the payment platform.

[0081] In an embodiment of the present application, the processing node is further configured to receive a second order sent by the second server. Upon receiving the second order from the second server, the processing node queries the resource debiting mechanism to determine whether the resource transfer request has been completed. Those skilled in the art will appreciate that, after generating the second order, the resource debiting mechanism may not immediately transfer the second virtual resource to the first object. The processing node may determine whether the second order has been completed by querying the resource debiting mechanism.

[0082] In an embodiment of the present application, if the processing node determines that the resource debit institution has completed the resource transfer request, it means that the second virtual resource has been transferred to the first object, that is, the corresponding second order has been completed. At this time, the processing node uploads the second order to the blockchain, so that the decentralized function of the blockchain can ensure that the second order data will not be tampered with.

[0083] In this embodiment of the present application, by uploading the second order to the blockchain, the flow of the first virtual resource can be accurately determined based on the first and second orders in the blockchain, thereby achieving complete traceability of the first virtual resource. At the same time, based on the decentralized function of the blockchain, the first and second orders cannot be tampered with, ensuring the openness, security, and traceability of the business, and effectively preventing the risk of insecure orders in the business. At the same time, in the blockchain, all data is distributed across all blockchain nodes, greatly improving the openness and transparency of the business; thereby improving the credibility of the business system, which is conducive to enhancing the authority and credibility of the business system.

[0084] Based on the above embodiments, as an optional embodiment, the business system further includes a first database and a second database, the first database being used to store a mapping relationship between the blockchain information of the target object and the first object information of the target object, the blockchain information including the address and public key of the corresponding object in the blockchain, and the second database being used to store a mapping relationship between the first object information of the target object and the object identifier of the target object, the first order and the second order also including the object identifier of the target object;

[0085] The processing node uploads the reference order to the blockchain, including:

[0086] The processing node obtains first object information of the target object from the second database according to the object identifier in the reference order, where the reference order is the first order or the second order;

[0087] The processing node obtains the target address and the public key of the target object from the first database according to the first object information;

[0088] The processing node encrypts the reference order and the first object information based on the public key, uses the encrypted reference order and the first object information as encrypted data, associates the encrypted data with the target address, and uploads the encrypted data to the blockchain.

[0089] In an embodiment of the present application, the business system also includes a first database and a second database. The first database stores a mapping relationship between the target object's blockchain information and the target object's first object information. The first object information may include the target object's name, gender, ID number, household registration, home address, and other information. The blockchain information includes the target object's target address and public key in the blockchain. When the target object sends a resource advance request to the business system for the first time, the business system automatically registers the target object's target address, public key, and private key in the blockchain. The second database stores a corresponding relationship between the target object's first object information and the target object's object identifier. The target object's object identifier may include the target object's ID number.

[0090] It should be noted that the data collection and processing related to the various embodiments of this application should be strictly in accordance with the requirements of relevant laws and regulations in actual application, and the informed consent or separate consent of the personal information subject should be obtained. Subsequent data use and processing should be carried out within the scope of authorization of laws and regulations and the personal information subject.

[0091] In the embodiment of the present application, both the first order and the second order include an object identifier of the target object. To illustrate the process of uploading the first order or the second order to the blockchain, the first order or the second order is used as a reference order. After the processing node in the business system determines that the reference order has been completed, it obtains the first identity information of the target object based on the object identifier in the reference order and the correspondence between the object identifier and the first identity information stored in the second database.

[0092] After obtaining the first identity information of the target object, the processing node obtains the target object's blockchain information based on the correspondence between the first identity information and the blockchain information stored in the first database. In this embodiment of the application, a correspondence between the object identifier, the first identity information, and the blockchain information is established through the first and second databases. Only after obtaining the first identity information can the target object's blockchain information be determined. This establishes a security barrier between the object identifier and the blockchain information, preventing hackers from directly obtaining blockchain information from the first database based on the target user's object identifier.

[0093] In an embodiment of the present application, after the processing node obtains the blockchain information, it encrypts the reference order and the first object information of the target object using the public key in the blockchain information, uses the encrypted reference order and the first object information as encrypted data, associates the encrypted data with the target address, and then uploads it to the blockchain.

[0094] In an embodiment of the present application, after the processing node associates the encrypted data with the target address in the blockchain information, it uploads the encrypted data and the target address together to the blockchain, so that when the target order is subsequently queried, the corresponding reference order can be determined based on the target address.

[0095] In some embodiments, only important information in the reference order may be encrypted, such as the ID number and the quantity of the first virtual resource. The generation time information corresponding to the reference order may not be encrypted. When querying the reference order in the future, the transaction time of the reference order can be determined without decryption. The corresponding reference order can be obtained based on the time when the order to be queried was generated, thereby improving the efficiency of subsequent queries on reference orders.

[0096] Based on the above embodiments, as an optional embodiment, the business system further includes a query node, the blockchain information further includes the private key of the corresponding object in the blockchain, and the method includes:

[0097] The query node receives a second query request sent by a third server corresponding to the resource query agency, where the second query request is used to request encrypted data of a target object and includes the first object information and an organization identifier of the resource query agency.

[0098] The query node determines, based on the organization identifier, that the resource query organization has the authority to obtain the order of the target object, and obtains, from the second database, blockchain information corresponding to the first object information based on the first object information;

[0099] The query node sends the address in the blockchain information to the third server, so that the third server obtains the encrypted data associated with the address from the blockchain;

[0100] If the query node receives a decryption request sent by the third server, the decryption request is used to request decryption of the encrypted data, and the decryption request includes the first object information, the organization identifier, and the encrypted data;

[0101] The query node determines, based on the organization identifier, that the resource query organization has the authority to obtain the order of the target object, obtains the blockchain information corresponding to the first object information from the first database based on the first object information, decrypts the encrypted data based on the private key in the blockchain information, obtains the order, and returns the order to the third server.

[0102] In an embodiment of the present application, the business system also includes a query node, which can be a server in the business system for receiving a second query request. The blockchain information also includes the private key of the corresponding object in the blockchain, which corresponds to the public key and is used to decrypt the encrypted data.

[0103] In this embodiment of the present application, the resource query institution may be a resource payment institution, a resource debit institution, or any other institution that needs to trace the first virtual resource. In a cash installment business, the resource query institution may be the bank that the customer's credit card belongs to, the bank that the customer's debit card belongs to, or a review institution that scores the customer's creditworthiness by tracing the cash applied for by the customer.

[0104] The third server is the server corresponding to the resource query agency. The server can be a server cluster. The server can correspond to the region where the target object is located. For example, when the customer is from Beijing, the resource query agency can be the review agency in Beijing, and the third server is the server corresponding to the review agency in Beijing.

[0105] The third server sends a second query request to the query node. The second query request is used to request encrypted data of the target object stored in the blockchain. The second query request includes the first object information and the organization identifier of the resource query organization. The organization identifier is used to indicate that the organization has the authority to query the reference information of the target object. The organization identifier may include the signature of the organization's authority.

[0106] The query node determines, based on the organization identifier in the second query request, that the resource query organization has permission to obtain orders for the target object, where the orders for the target object are stored in the blockchain. The query node obtains the blockchain information based on the first object information in the second query request from the resource query organization and the correspondence between the first object information and the blockchain information in the second database.

[0107] The query node sends the address in the blockchain information to a third server, which then retrieves the encrypted data associated with the address based on the address. Upon retrieving the corresponding encrypted data based on the address, the third server can send an update request to the blockchain, causing the blockchain to update its block information. This allows the third server to synchronize with the latest block to avoid missing encrypted data of the target object that may be present in the latest block. In some embodiments, the third server synchronizes data from the blockchain. For example, if the blockchain consists of 98 blocks, the third server retrieves all data from these 98 blocks and, based on the target object's target address, retrieves the target object's order from the 98th block. If the blockchain is updated from block 98 to block 100, the third server only retrieves data from blocks 99 and 100, avoiding the need to retrieve all blocks in the blockchain for each query, which would result in inefficient order querying. Those skilled in the art will appreciate that data associated with an address can be retrieved from the blockchain based on the address.

[0108] In this embodiment of the present application, blockchain information is stored in a first database of the business system. The resource query organization obtains encrypted data based on the address. To obtain the order of the target object, the resource query organization sends a decryption request to the query node. The query node receives the decryption request sent by the resource query organization via a third server. The decryption request is used to request decryption of the encrypted data and includes the first object information, the organization identifier, and the encrypted data.

[0109] In an embodiment of the present application, the query node needs to determine again based on the agency identifier whether the resource query agency has the authority to obtain the order of the target object. It can be understood that the time interval between the resource query agency sending the second query request and the decryption request to the query node is relatively large. During this period, other resource query agencies may send a second query request or a decryption request to the query node. Therefore, when the resource query agency sends the second query request and the decryption request to the query node, the query node must determine whether the resource query agency has the authority to obtain the order of the target object.

[0110] After the query node determines that the resource query agency has permission to access the target object's order, it retrieves the blockchain information corresponding to the first object information from the first database based on the first object information in the decryption request, and decrypts the encrypted data sent by the resource query agency using the target object's private key in the blockchain information. In this embodiment of the application, the private key is stored in the first data set of the business system and is not transmitted over the network, making the order stored in the blockchain more secure and greatly protecting the customer's privacy from being leaked.

[0111] After decrypting the encrypted data, the query node obtains the order corresponding to the encrypted data and returns the order to the third server. It should be understood that in this embodiment, there can be multiple encrypted data, and therefore there can also be multiple orders corresponding to the encrypted data.

[0112] In this embodiment of the present application, a query node in the business system interacts with a third server, enabling a resource querying agency to obtain the target object's order, thereby enabling traceability of the first virtual resource. Furthermore, when the resource querying agency is a resource debiting agency, the resource debiting agency obtains the first order on the blockchain and can restrict the flow of the first virtual resource based on the usage permission information in the first order.

[0113] Based on the above embodiments, as an optional embodiment, decrypting the encrypted data based on the private key in the blockchain information, obtaining the order, and returning the order to the third server includes:

[0114] The query node decrypts the encrypted data based on the private key in the blockchain information to obtain the second object information and at least one order;

[0115] The query node verifies whether the second object information is consistent with the first object information, and returns at least one order to the third server if the second object information is consistent with the first object information.

[0116] In this embodiment of the present application, the query node obtains the private key corresponding to the first identity information provided by the resource query agency using the first identity information. Using the private key, the query node decrypts the encrypted data provided by the resource query agency. The decrypted data includes the second object information. The query node verifies whether the first object information and the second object information provided by the resource query agency in the decryption request are consistent. If they are consistent, the query node returns the decrypted order to the third server. It will be understood that if there is at least one encrypted data item, there will also be at least one decrypted order item.

[0117] In an embodiment of the present application, a query node is used to verify whether the first object information is consistent with the second object information, and a decision is made whether to return the decrypted order to the third server, thereby preventing orders for other target objects from being returned to the third server, thereby improving the credibility of the business system.

[0118] like Figure 3 As shown, Figure 3 The example is shown as follows: Institutional Node A and Institutional Node B are both resource query institutions, business query nodes are query nodes in the business system, and blockchain network is blockchain.

[0119] Any of the institution nodes A and B can send a request to the business query node to view the customer's cash installment transaction data. The business query node verifies whether the institution node has the authority to view the customer's cash installment transaction data through the signature certificate or asymmetric encryption certificate carried in the request of the institution node. After determining that the institution node has the authority, it obtains the customer information from the request sent by the institution node, obtains the customer's target address in the blockchain from the first database based on the customer information, and returns the address to the institution node; after receiving the customer's address, the institution node requests the blockchain network to update so as to update the latest block. After the blockchain network is updated, the institution node obtains all the latest blocks returned by the blockchain network; the institution node obtains the encrypted data based on the customer's address, and sends a decryption request to the business query node, requesting to decrypt the encrypted data. The business query node verifies whether the institution node has the authority to view the customer's cash installment business based on the signature certificate or asymmetric encryption certificate carried in the decryption request. After verifying that the institution node has the authority, it obtains the customer's private key from the first database based on the customer information carried in the decryption request, decrypts the encrypted data with the private key, and returns the decrypted data to the institution node.

[0120] Based on the above embodiments, as an optional embodiment, the business system further includes an update node and a third database, the third database being used to store uncompleted orders, where the uncompleted orders are orders corresponding to uncompleted resource advance requests or resource transfer requests at a historical moment, and the method further includes:

[0121] The processing node receives the update node and traverses each uncompleted order from the third database at the current moment;

[0122] The processing node queries the institution used to complete the uncompleted order to see whether the corresponding request has been completed;

[0123] If the processing node confirms that the corresponding request of the unfinished order has been completed, the unfinished order will be uploaded to the blockchain and the unfinished order in the third database will be deleted.

[0124] In an embodiment of the present application, the business system further includes an update node and a third database, wherein the update node is used to access the third database, and the third database is used to store unfinished orders, wherein the unfinished orders are orders corresponding to resource advance requests or resource transfer requests that have not been completed at a historical moment. At a historical moment, after receiving a first order, the processing node queries whether the resource advance request corresponding to the first order is completed. If it is determined that the resource issuing institution has completed the resource advance request, the processing node uploads the first order to the blockchain. If it is determined that the resource issuing institution has not completed the resource advance request, the processing node stores the first order in the third database. Similarly, after receiving a second order, the processing node queries whether the resource transfer request corresponding to the second order is completed. If it is determined that the resource debit institution has completed the resource transfer request, the processing node uploads the second order to the third database. If it is determined that the resource debit institution has not completed the resource transfer request, the processing node uploads the second order to the third database.

[0125] In an embodiment of the present application, the update node is used to traverse each unfinished order in the third database at the current moment, and send each unfinished order to the processing node at a preset time interval. After the processing node receives the unfinished order sent by the update node, it queries whether the agency used to complete the unfinished order has completed the corresponding request. For example, if the unfinished order is the first order, it queries whether the resource issuing agency has completed the resource advance request. If the unfinished order is the second order, it queries whether the resource debit agency has completed the resource transfer request.

[0126] If the processing node determines that the corresponding request of the unfinished order has been completed, the unfinished order is uploaded to the blockchain and the unfinished order in the third database is deleted to prevent the update node from sending the unfinished order to the processing node again.

[0127] In some embodiments, the third database can store unfinished orders and completed orders. Completed orders are orders corresponding to resource advance requests or resource transfer requests completed at historical moments. In the third database, unfinished orders have an "unfinished" mark and completed orders have a "completed" mark. When an unfinished order at a certain historical moment is queried by the processing node, the unfinished order has been completed at the current moment, then the "unfinished" mark of the unfinished order in the third data set is modified to a "completed" mark.

[0128] like Figure 4 As shown, Figure 4 The following is an exemplary flowchart of another blockchain-based business processing method provided by an embodiment of the present application. The batch running device is an update node in the business system, the business processing node is a processing node in the business system, the service provider is a resource issuing institution or a resource debit institution, and the blockchain network is a blockchain.

[0129] Batch run all unfinished cash installment orders in the third data set of device variables, send the unfinished cash installment orders to the business processing node, the business processing node inquires the service provider corresponding to the order whether the order is completed, the service provider confirms the status of the order according to the information in the order, and returns the status of the order to the business processing node. If the order is completed, obtain the customer information from the second database according to the object identifier in the order, obtain the customer's address and public key from the first database according to the customer information, and use the customer's public key to encrypt the customer's identity information and cash installment data. The cash installment data includes the reference order, which may include the order time, object identifier, installment amount, receiving bank and account, issuing bank and account and other information. Upload the encrypted data and the customer's address to the blockchain network and modify the status information of the order in the third database. The blockchain network stores the encrypted data and address based on the consensus mechanism.

[0130] The batch process can adapt to the situation where the order status of multiple parties is not synchronized. It can independently query unfinished orders and upload completed orders to the chain, which greatly improves the flexibility of business processing.

[0131] In this embodiment of the present application, a processing node receives historical uncompleted orders sent by an update node, queries whether each uncompleted order has been completed, and promptly confirms orders completed at the current moment, thereby uploading completed orders to the blockchain and improving the efficiency of uploading completed orders to the blockchain. This allows the resource query agency to obtain the latest completed orders and promptly trace the flow of the first virtual resource.

[0132] Based on the above embodiments, as an optional embodiment, the processing node sends a resource prepayment request to the first server, and the process also includes:

[0133] The processing node sends a resource trial calculation request to the first server, where the resource trial calculation request is used to request the resource issuing agency to transfer the scope of virtual resources to the account;

[0134] The processing node receives the range returned by the first server, and returns the range to the client where the target object is located, so that the target object determines the quantity of the first virtual resource according to the range.

[0135] In an embodiment of the present application, before sending a resource advance request to the first server, the processing node needs to provide the target object with the range of virtual resources that the resource issuing agency can transfer to the target object's account in the resource debit agency. The processing node sends a resource trial calculation request to the first server, requesting the first server to provide the range of virtual resources that the resource issuing agency can transfer to the target object's account in the resource debit agency. After receiving the resource trial calculation request sent by the processing node, the first server returns to the processing node the range that the resource issuing agency can transfer to the account. It can be understood that in a cash installment system, the customer needs to determine the amount of cash to apply for based on the withdrawal range given by the bank corresponding to the credit card. The bank corresponding to the credit card can specify the maximum amount of cash installment that can be applied for for the customer based on the credit card limit and the customer's credit information. The customer can only apply for an amount less than or equal to the maximum amount to the debit card.

[0136] If the maximum value of the range returned by the first server is 0, the processing node indicates that the client is not eligible to apply for the service. In some embodiments, the processing node further verifies the identity information of the target object before sending the resource trial calculation request to the first server. The verification can be performed by performing facial recognition on the target object to verify whether the target object is the target object.

[0137] like Figure 5 As shown, Figure 5 The following is a flow chart illustrating another blockchain-based business processing method provided by an embodiment of the present application. The client is the client where the target object is located, the target object is the customer applying for a cash installment service, the business processing node is the processing node in the business system, the service provider is the bank corresponding to the customer's credit card, and the blockchain network is the blockchain.

[0138] When a client applies for a cash installment service, the business processing node authenticates the client. After the identity authentication is passed, the business processing node verifies the client's eligibility. The eligibility verification is used to verify whether the client is eligible to apply for the cash installment service and the maximum amount of cash that can be applied for. The client's identity information can be sent to the server. The service provider determines the client's credit based on the client's historical transaction information and verifies the client's eligibility. After the eligibility verification, the service provider returns the client's eligibility to the business processing node. The business processing node returns the eligibility to the client so that the client can clearly understand whether he or she is eligible to apply for the cash installment service and the maximum amount of cash that can be applied for. If the customer is eligible to apply for the cash installment task, the customer fills in the amount of cash applied for and the total repayment time through the client and sends it to the business processing node. The business processing node sends the amount of cash applied for and the total repayment time filled in by the customer to the service provider. The service provider generates a budget result for the customer based on the interest rate rules for the cash installment service, that is, how much amount needs to be repaid each period, and returns the budget result to the business processing node so that the business processing node The budget result is returned to the client. After the customer agrees to the budget result, an order request is initiated on the client, that is, an order generation request is initiated. The business processing node receives the order request from the client and sends the order request to the service provider. The service provider generates installment data for the customer, that is, the first order in the embodiment of the present application, and sends the installment data to the business processing node, so that the business processing node sends the installment order to the client. After the customer confirms the installment data in the client, the business processing node initiates password verification to the client. The password verification includes entering a password and a verification code. The password can be the customer's payment password on the platform where the cash installment business system is located. For example, if the cash installment business system is a WeChat platform system, the password can be the customer's WeChat payment password. The verification code is sent by the service provider to the mobile phone number reserved by the customer in the bank, so that the customer receives the verification code and fills it in the client. The client sends the verification code to the business processing node, and the business processing node sends the verification code to the service provider, so that the service provider can determine whether the verification code is correct. After the password verification is passed, the customer successfully applies for the cash installment business.

[0139] After the business processing node receives the installment data, that is, the order returned by the service provider, it determines whether the order is completed. If the order is completed, the customer's identity information is obtained from the second database based on the object identifier on the order, and the customer's address and public key are obtained from the first database based on the customer's identity information. The customer's identity information and cash installment data are encrypted using the customer's public key, and the encrypted data and the customer's address are uploaded to the blockchain. The blockchain network stores the encrypted data and address on the blockchain based on the consensus mechanism.

[0140] Based on the above embodiments, as an optional embodiment, the processing node is further configured to receive a resource prepayment request from at least one target object, associate the encrypted data with the target address, and upload the encrypted data to the blockchain, including:

[0141] The processing node associates the encrypted data of multiple target objects at the current moment with the corresponding target addresses and packages them into a target block;

[0142] The processing node determines the target block number based on the block numbers in the current blockchain and uploads the target block to the blockchain.

[0143] The processing node establishes a correspondence between target addresses and block numbers corresponding to the plurality of target objects, and stores the correspondence in a fourth database.

[0144] In an embodiment of the present application, a processing node in a business system is used to receive a resource prepayment request for at least one target object. Therefore, within a period of time, a first order and a second order for each target object are generated. When the order for each target object is completed, the processing node encrypts the order with the corresponding object information to obtain encrypted data for each target object. It is understandable that if each encrypted data is associated with a corresponding address and uploaded to the blockchain, the efficiency is very low when processing a large number of orders. Therefore, in an embodiment of the present application, the encrypted data of each target object at the current moment and the target address managed by the encrypted data are packaged into a block, and the block is uploaded to the blockchain so that the blockchain is based on a consensus mechanism and voted by each node on the blockchain. If more than half of the nodes agree to store the block in the blockchain, the block is stored in the blockchain.

[0145] In an embodiment of the present application, before uploading the generated block to the blockchain, the processing node needs to check the number of the existing blocks in the blockchain, and determine the number of the block generated by the processing node based on the number of the existing blocks in the blockchain. For example, the existing blocks in the blockchain are numbered 1-99, and the processing node generates a block numbered 100.

[0146] In an embodiment of the present application, a correspondence is established between the target address corresponding to each target object and the block number, and the correspondence between the target address and the block number is stored in a fourth database, so that when subsequently searching for the order of the target object, the block where the order of the target object is located can be accurately obtained from the fourth database, thereby improving the efficiency of searching for the order of the target object.

[0147] In some embodiments, a correspondence between the target address, order generation time, and block number can be established and stored in a fourth database. This allows a resource query agency to obtain orders for a target object within a certain time period based on the relationship between the target address, order generation time, and block number in the fourth database. In other embodiments, a correspondence between the target address, order upload time, and block number can be established. Those skilled in the art will appreciate that when a block is uploaded to the blockchain, a corresponding timestamp is generated. This timestamp can indicate the time the order was uploaded, and this correspondence is uploaded to the fourth database.

[0148] In order to more clearly describe the blockchain-based business processing method provided by the embodiment of the present application, the embodiment of the present application provides a schematic diagram of each page in the client application process. Figure 6a As shown, Figure 6a A schematic diagram of the client repayment page interface provided for an embodiment of the present application, wherein the client repayment page includes the customer's credit card information, and the credit card information includes the XX bank where the credit card is located. At the same time, the repayment page will display the amount that the customer should repay for this period, the minimum amount to be repaid and the current bill information. For example, if the current bill shows that the repayment amount for this period is 7,200 yuan, then the current repayment amount is 7,200 yuan, and the minimum amount to be repaid is 888.26 yuan. At the same time, the repayment page interface includes a repayment button, an installment button, and a cash withdrawal button. The repayment button is used to respond to the user's repayment request, the installment button is used to respond to the user's installment request, and the cash withdrawal button is used to respond to the user's cash withdrawal request. A repay now button is also provided, and the customer uses this button to repay the credit card.

[0149] like Figure 6b As shown, Figure 6b The schematic diagram of the client application page-home page interface provided by the embodiment of the present application is shown as an example. Figure 6a After clicking the withdraw button, you will enter the application page for the cash installment business - the home page interface, which includes a repayment button, an installment button and a withdraw button. At this time, the withdraw button changes color to indicate that the customer has clicked the button. On this page, the "￥" logo is displayed, and after the logo there is a text prompt message "Please enter the withdrawal amount", allowing the user to fill in the withdrawal amount.

[0150] like Figure 6c As shown, Figure 6c The client application page-input amount interface diagram provided in the embodiment of the present application is exemplarily shown. After the customer enters the withdrawal amount information on the application page-home page interface, clicks to confirm the case and enters the application page-confirmation information interface.

[0151] like Figure 6d As shown, Figure 6dThe client application page provided by the embodiment of the present application - a schematic diagram of the confirmation information interface is shown as an example. The client automatically displays information such as the repayment plan, handling fee, payment card number, payment method, and loan purpose. The customer can click on the repayment plan to determine the repayment plan he or she receives from multiple repayment plans, click on the handling fee to select the payment method, click on the payment card number to select which debit card the cash will be transferred to, click on the payment method to select real-time payment or other payment methods, and click on the loan purpose to select how the customer will use the cash applied for. Figure 6c As shown, the withdrawal amount is 6,000 yuan, the repayment plan is 500 yuan / month, divided into 12 months, the handling fee is paid monthly, the payment card number is a YY Bank account (1234), the payment method is real-time, and the loan is for renovation and building materials. The application page - input amount interface also includes the words "Agree to the Agreement Terms." Only if the customer agrees to the terms of the agreement can they apply for the cash installment service. Clicking the button to the left of "Agree to the Agreement Terms" indicates that the customer agrees to the terms of the agreement. The application page - input amount interface also includes a confirm loan button. After the customer clicks this button, the payment password verification interface is entered.

[0152] like Figure 6e As shown, Figure 6e The schematic diagram of the client payment password verification interface provided in an embodiment of the present application is shown as an example. The words "Authentication" and "Enter Payment Password" are displayed in the interface. The customer enters a 6-digit password in the page and clicks confirm to realize password verification. The 6 boxes in the interface are used to enter the password. After the customer enters the password correctly, the bank SMS verification interface is entered.

[0153] like Figure 6f As shown, Figure 6f An exemplary diagram of the client bank SMS verification interface provided in an embodiment of the present application is shown. The interface includes the words "Verify bank reserved mobile phone number". The user enters the mobile phone number reserved at the bank to the right of the "mobile phone number" text in the interface, receives the verification code sent by the bank, enters the verification code in the interface and clicks confirm to implement the bank SMS verification. If the bank SMS verification is passed, the application success page is entered.

[0154] like Figure 6g As shown, Figure 6g An exemplary diagram of the successful client application interface provided in an embodiment of the present application is shown. The words "Cash withdrawal application successful" and a return button are displayed on the page. The customer clicks to return to the case and ends the cash installment business application process.

[0155] Figure 7A flowchart of another blockchain-based business processing method provided in an embodiment of the present application includes a withdrawal process S7001-S7007, a query process S7101-S7105, and a batch run process S7201-S7203:

[0156] S7001: The processing node receives a resource advance request.

[0157] S7002: The processing node sends a resource advance request to the first server;

[0158] S7003: If the processing node receives the first order sent by the first server, it queries the resource issuing agency whether the resource advance request has been completed;

[0159] S7004: If the processing node determines that the resource issuing institution has completed the resource advance request, it uploads the first order to the blockchain;

[0160] S7005. The processing node sends a first query request to the second server corresponding to the resource debit institution;

[0161] S7006: If the processing node receives the second order sent by the second server, it queries the resource debit institution to see whether the resource transfer request has been completed.

[0162] S7007. If the processing node determines that the resource debit institution completes the resource transfer request, it uploads the second order to the blockchain.

[0163] S7101: The query node receives a second query request sent by a third server corresponding to the resource query agency;

[0164] S7102. The query node determines, based on the organization identifier, that the resource query organization has the authority to obtain orders for the target object, and obtains, from the second database, blockchain information corresponding to the first object information based on the first object information;

[0165] S7103. The query node sends the address in the blockchain information to the third server;

[0166] S7104: If the query node receives the decryption request sent by the third server, it determines, based on the organization identifier, that the resource query organization has the authority to obtain the order of the target object;

[0167] S7105. The query node obtains the blockchain information corresponding to the first object information from the first database based on the first object information, decrypts the encrypted data based on the private key in the blockchain information, obtains the order, and returns the order to the third server.

[0168] S7201: The processing node receives the uncompleted orders from the third database at the current moment.

[0169] S7202. The processing node queries whether the institution used to complete the uncompleted order has completed the corresponding request;

[0170] S7203. If the processing node confirms that the corresponding request of the unfinished order has been completed, the unfinished order will be uploaded to the blockchain and the unfinished order in the third database will be deleted.

[0171] The embodiment of the present application provides a business processing device based on blockchain, such as Figure 8 As shown, the business processing device of the blockchain may include: a receiving module 801, a sending module 802, a request module 803 and a determination module 804, wherein:

[0172] Receiving module 801, the processing node receives a resource advance request, the resource advance request being used to request a resource issuing institution to transfer a first virtual resource to an account of a target object in a resource debit institution, and instructing a return method of the first virtual resource to be returned to the resource issuing institution in installments, the resource advance request including resource transfer information, and the resource transfer information including the amount of the first virtual resource;

[0173] A sending module 802 is configured to process a node to send a resource advance request to a first server, where the first server is a server corresponding to a resource issuing organization;

[0174] A request module 803 is configured to query a resource issuing institution whether a resource advance request has been completed upon receipt of a first order from a first server by a processing node, wherein the first order corresponds to the resource advance request and includes resource transfer information and usage permission information, wherein the usage permission information indicates a usage scope of the first virtual resource.

[0175] The determination module 804 is configured to upload the first order to the blockchain if the processing node determines that the resource issuing agency has completed the resource advance request.

[0176] The device of the embodiment of the present application can execute the method provided by the embodiment of the present application, and its implementation principle is similar. The actions performed by each module in the device of each embodiment of the present application correspond to the steps in the method of each embodiment of the present application. For the detailed functional description of each module of the device, please refer to the description in the corresponding method shown in the previous text, and will not be repeated here.

[0177] In an embodiment of the present application, an electronic device is provided, including a memory, a processor, and a computer program stored in the memory, the processor executes the above-mentioned computer program to implement the steps of the blockchain-based business processing method, which can be implemented compared with the relevant technology: a processing node is set in the business system, the processing node is used to receive a resource advance request, and send the resource advance request to the first server, so that the first server obtains resource transfer information and a return method for the installment return of the first virtual resource according to the resource advance request, so that the first server generates a first order according to the quantity and return method of the first virtual resource in the resource transfer information, and sets the use scope of the first virtual resource in the first order; after the processing node receives the first order sent by the first server, it queries the resource issuing agency whether the resource advance request is completed. A request is made to determine whether the first order is completed. If it is determined that the resource issuing institution has transferred the first virtual resource to the target object's account in the resource debit institution, it means that the first order has been completed. When the first order is completed, the first order is uploaded to the blockchain. The first order is uploaded to the blockchain only after the target object's account in the resource debit institution obtains the first virtual resource, so that the flow direction of the first virtual resource can be accurately determined according to the first order in the blockchain; by setting permission information in the first order, the scope of use of the first virtual resource is clarified, and the flow direction of the first virtual resource can be restricted according to the first order stored in the blockchain; by uploading the first order to the blockchain, the decentralized function of the blockchain is used to prevent the first order from being tampered with, thereby improving the security of the first order and the credibility of the business system.

[0178] In an alternative embodiment, an electronic device is provided, such as Figure 9 As shown, Figure 9 The electronic device 4000 shown includes: a processor 4001 and a memory 4003. The processor 4001 and the memory 4003 are connected, for example, via a bus 4002. Optionally, the electronic device 4000 may further include a transceiver 4004, which may be used for data exchange between the electronic device and other electronic devices, such as data transmission and / or data reception. It should be noted that in actual applications, the number of transceivers 4004 is not limited to one, and the structure of the electronic device 4000 does not constitute a limitation on the embodiments of the present application.

[0179] Processor 4001 may be a CPU (Central Processing Unit), a general-purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It may implement or execute the various exemplary logic blocks, modules, and circuits described in conjunction with the disclosure of this application. Processor 4001 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, and the like.

[0180] Bus 4002 may include a path for transmitting information between the aforementioned components. Bus 4002 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, for example. Bus 4002 may be divided into an address bus, a data bus, a control bus, and so on. For ease of illustration, the figure shows only a single thick line, but this does not indicate that there is only one bus or only one type of bus.

[0181] The memory 4003 can be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical disk storage, optical disk storage (including compact discs, laser discs, optical discs, digital versatile discs, Blu-ray discs, etc.), magnetic disk storage media, other magnetic storage devices, or any other medium that can be used to carry or store computer programs and can be read by a computer, without limitation here.

[0182] The memory 4003 is used to store the computer program for executing the embodiment of the present application, and the execution is controlled by the processor 4001. The processor 4001 is used to execute the computer program stored in the memory 4003 to implement the steps shown in the above method embodiment.

[0183] Among them, the electronic equipment package may include but is not limited to mobile terminals such as mobile phones, laptops, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., as well as fixed terminals such as digital TVs, desktop computers, etc. Figure 9 The electronic device shown is only an example and should not limit the functions and scope of use of the embodiments of the present disclosure.

[0184] An embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the steps and corresponding contents of the aforementioned method embodiment can be implemented. Compared with the prior art, it can be implemented as follows: a processing node is set in the business system, the processing node is used to receive a resource advance request, and send the resource advance request to the first server, so that the first server obtains resource transfer information and the return method of the first virtual resource in installments according to the resource advance request, so that the first server generates a first order according to the quantity and return method of the first virtual resource in the resource transfer information, and sets the use scope of the first virtual resource in the first order; after the processing node receives the first order sent by the first server, it determines whether the first order is completed by querying whether the resource issuing agency has completed the resource advance request. If it is determined that the resource issuing agency has transferred the first virtual resource to If the target object has an account in the resource debit institution, it means that the first order has been completed. When the first order is completed, the first order is uploaded to the blockchain. The first order is uploaded to the blockchain only after the target object's account in the resource debit institution obtains the first virtual resource, so that the flow direction of the first virtual resource can be accurately determined based on the first order in the blockchain; by setting permission information in the first order, the scope of use of the first virtual resource is clarified, and the flow direction of the first virtual resource can be restricted according to the first order stored in the blockchain; by uploading the first order to the blockchain, the decentralized function of the blockchain can be used to prevent the first order from being tampered with, thereby improving the security of the first order and the credibility of the business system.

[0185] It should be noted that the computer-readable medium mentioned above in the present disclosure may be a computer-readable signal medium or a computer-readable medium, or any combination of the two. A computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, device, or device. In the present disclosure, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. Such a propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any suitable medium, including but not limited to wires, optical cables, RF (radio frequency), etc., or any suitable combination thereof.

[0186] The embodiment of the present application also provides a computer program product, including a computer program, which can implement the steps and corresponding contents of the aforementioned method embodiment when executed by a processor. Compared with the prior art, it can be achieved as follows: a processing node is set in the business system, the processing node is used to receive a resource advance request, and send the resource advance request to the first server, so that the first server obtains resource transfer information and the return method of the first virtual resource in installments according to the resource advance request, so that the first server generates a first order according to the quantity and return method of the first virtual resource in the resource transfer information, and sets the use scope of the first virtual resource in the first order; after the processing node receives the first order sent by the first server, it determines whether the first order is completed by querying whether the resource issuing agency has completed the resource advance request. If it is determined that the resource issuing agency has transferred the first virtual resource to If the target object has an account in the resource debit institution, it means that the first order has been completed. When the first order is completed, the first order is uploaded to the blockchain. The first order is uploaded to the blockchain only after the target object's account in the resource debit institution obtains the first virtual resource, so that the flow direction of the first virtual resource can be accurately determined based on the first order in the blockchain; by setting permission information in the first order, the scope of use of the first virtual resource is clarified, and the flow direction of the first virtual resource can be restricted according to the first order stored in the blockchain; by uploading the first order to the blockchain, the decentralized function of the blockchain can be used to prevent the first order from being tampered with, thereby improving the security of the first order and the credibility of the business system.

[0187] The terms "first," "second," "third," "fourth," "1," "2," and the like (if any) in the specification and claims of this application and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or sequential sequence. It should be understood that the terms used in this manner are interchangeable where appropriate, so that the embodiments of the application described herein can be implemented in an order other than that shown or described in the drawings.

[0188] It should be understood that, although each operation step is indicated by arrows in the flowchart of the embodiment of the present application, the order of implementation of these steps is not limited to the order indicated by the arrows. Unless otherwise clearly stated herein, in some implementation scenarios of the embodiment of the present application, the implementation steps in each flowchart can be performed in other orders according to demand. In addition, some or all of the steps in each flowchart can include multiple sub-steps or multiple stages based on actual implementation scenarios. Some or all of these sub-steps or stages can be executed at the same time, and each sub-step or stage in these sub-steps or stages can also be executed at different times respectively. Under different scenarios at the execution time, the execution order of these sub-steps or stages can be flexibly configured according to demand, and the embodiment of the present application does not limit this.

[0189] The above description is only an optional implementation method for some implementation scenarios of this application. It should be pointed out that for ordinary technicians in this technical field, without departing from the technical concept of the solution of this application, the use of other similar implementation methods based on the technical ideas of this application also falls within the protection scope of the embodiments of this application.

Claims

1. A business processing method based on blockchain, characterized in that: Applied to a business system, the business system includes a processing node, and the method includes: The processing node receives a resource advance request, the resource advance request being used to request a resource issuing institution to transfer a first virtual resource to an account of a target object in a resource debit institution and instructing a return method of the first virtual resource to be returned to the resource issuing institution in installments, the resource advance request including resource transfer information, and the resource transfer information including the amount of the first virtual resource; The processing node sends the resource advance request to a first server, where the first server is a server corresponding to the resource issuing organization; If the processing node receives a first order sent by the first server, querying the resource issuing agency whether the resource advance request has been completed, the first order being an order corresponding to the resource advance request, the first order including the resource transfer information and usage permission information, the usage permission information being used to indicate a usage scope of the first virtual resource; If the processing node determines that the resource issuing agency completes the resource advance request, the first order is uploaded to the blockchain.

2. The method according to claim 1, characterized in that The processing node uploads the first order to the blockchain, and then further includes: The processing node sends a first query request to a second server corresponding to the resource debit institution, where the first query request is used to request to obtain multiple second orders of the target object, where the second orders are orders corresponding to resource transfer requests, and the resource transfer requests are used to request to transfer a second virtual resource in the account to the first object, where the second virtual resource is part or all of the first virtual resources; If the processing node receives the second order sent by the second server, it queries the resource debit institution whether the resource transfer request is completed; If the processing node determines that the resource debit institution completes the resource transfer request, the processing node uploads the second order to the blockchain.

3. The method according to claim 2, characterized in that The business system further includes a first database and a second database, wherein the first database is used to store a mapping relationship between the blockchain information of the target object and the first object information of the target object, wherein the blockchain information includes the address and public key of the corresponding object in the blockchain, and the second database is used to store a mapping relationship between the first object information of the target object and the object identifier of the target object, wherein the first order and the second order also include the object identifier of the target object; The processing node uploads the reference order to the blockchain, including: The processing node obtains the first object information of the target object from the second database according to the object identifier in the reference order, where the reference order is the first order or the second order; The processing node obtains the target address of the target object and the public key of the target object from the first database according to the first object information; The processing node encrypts the reference order and the first object information based on the public key, uses the encrypted reference order and the first object information as encrypted data, associates the encrypted data with the target address, and uploads the encrypted data to the blockchain.

4. The method according to claim 3, characterized in that The business system further includes a query node, the blockchain information further includes a private key of a corresponding object in the blockchain, and the method includes: The query node receives a second query request sent by a third server corresponding to the resource query agency, where the second query request is used to request encrypted data of the target object, and the second query request includes the first object information and an organization identifier of the resource query agency; The query node determines, based on the organization identifier, that the resource query organization has the authority to obtain the order for the target object, and obtains, from the second database, blockchain information corresponding to the first object information based on the first object information; The query node sends the address in the blockchain information to the third server, so that the third server obtains the encrypted data associated with the address from the blockchain; If the query node receives a decryption request sent by the third server, the decryption request is used to request decryption of the encrypted data, and the decryption request includes the first object information, the organization identifier and the encrypted data; The query node determines, based on the organization identifier, that the resource query organization has the authority to obtain the order for the target object, obtains blockchain information corresponding to the first object information from the first database based on the first object information, decrypts the encrypted data based on the private key in the blockchain information, obtains the order, and returns the order to the third server.

5. The method according to claim 4, characterized in that The decrypting the encrypted data based on the private key in the blockchain information, obtaining the order, and returning the order to the third server includes: The query node decrypts the encrypted data based on the private key in the blockchain information to obtain the second object information and at least one order; The query node verifies whether the second object information is consistent with the first object information, and returns the at least one order to the third server if the second object information is consistent with the first object information.

6. The method according to claim 2, characterized in that The business system further includes an update node and a third database, wherein the third database is used to store uncompleted orders, wherein the uncompleted orders are orders corresponding to uncompleted resource advance requests or resource transfer requests at a historical moment, and the method further includes: The processing node receives the uncompleted orders traversed by the update node from the third database at the current moment; The processing node queries whether the institution used to complete the uncompleted order has completed the corresponding request; If the processing node confirms that the corresponding request of the unfinished order has been completed, the unfinished order is uploaded to the blockchain and the unfinished order in the third database is deleted.

7. The method according to claim 3, characterized in that The processing node sends the resource advance request to the first server, before further comprising: The processing node sends a resource trial calculation request to the first server, wherein the resource trial calculation request is used to request a resource issuing agency to transfer a range of virtual resources to the account; The processing node receives the range returned by the first server, and returns the range to the client where the target object is located, so that the target object determines the quantity of the first virtual resource according to the range.

8. The method according to claim 3, characterized in that The processing node is further configured to receive a resource prepayment request from at least one target object, and the associating the encrypted data with the target address and uploading the encrypted data to the blockchain includes: The processing node associates the encrypted data of multiple target objects at the current moment with the corresponding target addresses and packages them into a target block; The processing node determines the number of the target block based on the numbers of each block in the blockchain at the current moment and uploads the target block to the blockchain; The processing node establishes a correspondence between the target addresses corresponding to the plurality of target objects and the block numbers, and stores the correspondence in a fourth database.

9. A business processing device based on blockchain, characterized in that: Applied to a business system, the business system includes a processing node, and the device includes: a receiving module, configured for the processing node to receive a resource advance request, the resource advance request being used to request a resource issuing institution to transfer a first virtual resource to an account of a target object in a resource debit institution, and to instruct a return method of the first virtual resource to be returned to the resource issuing institution in installments, the resource advance request including resource transfer information, and the resource transfer information including the quantity of the first virtual resource; A sending module, configured for the processing node to send the resource advance request to a first server, where the first server is a server corresponding to the resource issuing agency; a request module configured to query the resource issuing agency whether the resource advance request has been completed upon receipt by the processing node of a first order sent by the first server, wherein the first order corresponds to the resource advance request and includes the resource transfer information and usage permission information, wherein the usage permission information indicates a usage scope of the first virtual resource; A determination module is configured to upload the first order to the blockchain if the processing node determines that the resource issuing agency has completed the resource advance request.

10. An electronic device comprising a memory, a processor, and a computer program stored in the memory, wherein: The processor executes the computer program to implement the steps of the method according to any one of claims 1 to 8.

11. 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 8 are implemented.

12. 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 8 are implemented.

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