CN110363665B

CN110363665B - Credit right data processing method, device, equipment and medium

Info

Publication number: CN110363665B
Application number: CN201910694645.2A
Authority: CN
Inventors: 李亮; 周洪飞; 王慧星
Original assignee: Tencent Technology Shenzhen Co Ltd; Tencent Cloud Computing Beijing Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd; Tencent Cloud Computing Beijing Co Ltd
Priority date: 2018-06-11
Filing date: 2018-06-11
Publication date: 2021-10-26
Anticipated expiration: 2038-06-11
Also published as: CN110363665A; CN108876615A

Abstract

The invention discloses a credit data processing method, a device, equipment and a medium, belonging to the technical field of network, the technical scheme provided by the invention comprises the steps of acquiring credit data, generating credit transfer information corresponding to a user instruction based on the credit information and the user instruction in the credit data, wherein the credit transfer information comprises credit holder information, credit receiver information and credit state, and in the credit data processing method, each credit change can be accurately recorded, so that a user can conveniently inquire the credit information, and the service transfer speed and the service processing speed are also improved.

Description

Credit right data processing method, device, equipment and medium

The application is a divisional application with application date of 2018, 6 and 11 months and application number of 201810595041.8, and the name of the invention is 'method, device, equipment and medium for storing claim data'.

Technical Field

The present invention relates to the field of network technologies, and in particular, to a method, an apparatus, a device, and a medium for processing creditor data.

Background

The receivable accounts are money that the enterprise should receive from the purchasing unit in the normal operation process due to the sale of goods and products or the provision of labor services and other services. Accounts receivable is a claim that is formed with the sales activity of the business. The enterprise can use the part of the creditor information to carry out financing. For example, the claim is transferred to a third party to receive money from the third party.

The specific process of the process is as follows:

the enterprise A provides service or sells goods to the enterprise B, the enterprise B signs a debt to the enterprise A, and the enterprise A has accounts receivable;

enterprises A need to transfer more funds and transfer the accounts receivable to a policy holder C;

the enterprise B obtains and confirms the debt transfer notifications of the enterprise A and the enterprise C;

the C enterprise pays the A, and the A enterprise transfers the bond right to the C enterprise

And the enterprise B repays the payment to the enterprise C.

In the whole financing process, not only multiple parties are required to participate, but also the whole operation process period is long, especially the offline interactive confirmation process is long, so that the business circulation speed is slow, the processing speed is also slow, and the user is difficult to inquire the transfer state of the debt right in time.

Disclosure of Invention

The embodiment of the invention provides a method, a device, equipment and a medium for processing creditor data. The technical scheme is as follows:

in one aspect, a method for processing claim data is provided, and the method includes:

acquiring creditor data, wherein the creditor data comprises a creditor bill number and creditor information, and the creditor information at least comprises a first user serving as a debt party, a second user serving as a payee party and a debt amount;

generating first credit right transfer information based on the credit right information, wherein the credit right holder information in the first credit right transfer information is the payee, the credit right receiver information is an empty field, and the credit right state in the first credit right transfer information is credit right establishment;

generating second credit right transfer information based on the credit right transfer instruction of the second user and the first credit right transfer information, wherein the credit right holder information in the second credit right transfer information is the second user, the credit right receiver information is the third user, and the credit right state in the second credit right transfer information is a credit right transfer notice;

generating third credit right transfer information based on the credit right transfer confirmation instruction of the first user and the second credit right transfer information, wherein the credit right holder information in the third credit right transfer information is the second user, the credit right receiver information is the third user, and the credit right state in the third credit right transfer information is a credit right transfer confirmation notice;

generating fourth credit right transfer information based on the credit right receiving instruction of the third user and the third credit right transfer information, wherein the credit right holder information in the fourth credit right transfer information is the second user, the credit right receiver information is the third user, and the credit right state in the fourth credit right transfer information is the payment to the credit right holder;

generating fifth credit transfer information based on the credit reception confirmation instruction of the second user and the fourth credit transfer information, wherein the credit holder information in the fifth credit transfer information is the third user, the credit receiver information is an empty field, and the credit status in the fifth credit transfer information is credit establishment;

generating sixth credit right transfer information based on the credit right closing instruction of the third user and the fifth credit right transfer information, wherein the credit right holder information in the sixth credit right transfer information is the third user, the credit right receiver information is an empty field, and the credit right state in the sixth credit right transfer information is credit right closing.

In one aspect, a creditor data processing apparatus is provided, which is applied to any node device in a block chain system, and the apparatus includes:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring creditor data, the creditor data comprises a creditor bill number and creditor information, and the creditor information at least comprises a first user serving as an owing party, a second user serving as a payee and owing amount;

the first generation module is used for generating first credit transfer information based on the credit information, the credit holder information in the first credit transfer information is the payee, the credit receiver information is an empty field, and the credit state in the first credit transfer information is credit establishment;

a second generation module, configured to generate second credit right transfer information based on the credit right transfer instruction of the second user and the first credit right transfer information, where credit right holder information in the second credit right transfer information is the second user, credit right receiver information is the third user, and a credit right state in the second credit right transfer information is a credit right transfer notification;

a third generating module, configured to generate third credit right transfer information based on the credit right transfer confirmation instruction of the first user and the second credit right transfer information, where credit right holder information in the third credit right transfer information is the second user, credit right receiver information is the third user, and a credit right state in the third credit right transfer information is a credit right transfer confirmation notification;

a fourth generating module, configured to generate fourth credit transfer information based on a credit receiving instruction of the third user and the third credit transfer information, where credit holder information in the fourth credit transfer information is the second user, credit receiver information is the third user, and a credit status in the fourth credit transfer information is a payment to a credit holder;

a fifth generating module, configured to generate fifth credit transfer information based on a credit reception confirmation instruction of the second user and the fourth credit transfer information, where credit holder information in the fifth credit transfer information is the third user, credit receiver information is an empty field, and a credit state in the fifth credit transfer information is credit establishment;

a sixth generating module, configured to generate sixth credit transfer information based on the credit closing instruction of the third user and the fifth credit transfer information, where credit holder information in the sixth credit transfer information is the third user, credit receiver information is an empty field, and a credit state in the sixth credit transfer information is credit closing.

In one aspect, a computer device is provided, which includes a processor and a memory, where at least one instruction is stored, and the instruction is loaded and executed by the processor to implement the operations performed by the creditor data processing method.

In one aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, the instruction being loaded and executed by a processor to implement the operations performed by the above-mentioned creditor data processing method.

The technical scheme provided by the embodiment of the invention has the following beneficial effects: the method for processing the credit data comprises the steps of acquiring the credit data, and generating credit transfer information corresponding to a user instruction based on the credit information in the credit data and the user instruction, wherein the credit transfer information comprises credit holder information, credit receiver information and credit state.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a system structural diagram of a creditor data storage system according to an embodiment of the present invention;

fig. 2 is a flowchart of a creditor data storage method according to an embodiment of the present invention;

fig. 3 is a field diagram of credit transfer information according to an embodiment of the present invention;

FIG. 4 is a logic flow diagram of an intelligent contract provided by an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a creditor data storage device according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a computer device 600 according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Fig. 1 is a system structure diagram of a creditor data storage system according to an embodiment of the present invention. The enforcement environment includes a plurality of node devices 101, and the plurality of node devices 101 may be servers of a plurality of institutions. The server 101 may belong to any one of the organizations, such as a business, an institution, a bank, a financial institution, a credit investigation institution or a consumption institution, etc., and a plurality of block chains may be deployed on each of the plurality of servers 101 for use by each of the organizations. It should be noted that the server may be provided as any computer device, and this is not specifically limited in the embodiment of the present invention.

In the following, some terms appearing in the following detailed description are introduced:

a federation chain, also known as a community Block chain (Consortium Block chains), refers to a chain of blocks whose consensus process is controlled by a preselected node. In the alliance chain, all or part of functions are opened only for the node members in the chain, and each block chain link point in the alliance chain can customize read-write permission, query permission and the like based on needs.

Intelligent contract: the contract program automatically executed according to specific conditions can operate the data stored in the chain, and is an important way for users to interact with the block chain and realize business logic by utilizing the block chain. For example, each institution may access the creditor data storage system through a chain of blocks deployed in a server by intelligent contracts.

The target strategy is as follows: the target policy may be one of consensus policies, such as an endorsement policy, that may be used to indicate a requirement to be met by an endorsement process in a data storage system. For example, the endorsement policy may indicate that a plurality of endorsement nodes are required to endorse, forming a set of endorsement nodes, and the endorsement process requires a joint signature of the set of endorsement nodes.

The creditor state is a transfer state of receivable accounts, and several creditor states related to the embodiment of the present invention are described below:

the creditor establishes that the generation of the creditor is represented, that is, the creditor holder has determined that the owing party can make a repayment in this state.

And a creditor transfer notification notifying the owing party on behalf of the creditor and preparing to transfer the creditor to the third party.

The claim transfer notification confirms that the debt is already known to be in the transfer process on behalf of the owed party.

A money holder representing that the creditor receiver is willing to receive the creditor and has paid money to the creditor holder.

The debt right is closed, the debt is cleared, and the debt is the final state of accounts receivable.

The creditor represents the party currently holding the creditor. The creditor receiver represents the receiver of the creditor transfer process.

Fig. 2 is a flowchart of a method for storing creditor data according to an embodiment of the present invention. The method may be applied in an implementation environment as provided in fig. 1, and the server may be a server of any organization. Referring to fig. 2, the method includes:

201. the server acquires creditability data, wherein the creditability data comprise a creditability order number and creditability information, and the creditability information at least comprises a first user as a debt party, a second user as a payee party and a debt amount.

The claim number is used to uniquely identify the claim data. The credit information is used to indicate information related to the initial occurrence of the credit, and includes the payee, the owing party, and the owing amount, and may include the owing date, the reason for the owing, and the like. Further, the creditor data can also carry a digest signature of the creditor data by the arrears with the own service private key so as to prove that the arrears really exist.

It should be noted that the creditor data may be recorded by a owing party added to the blockchain system and trigger subsequent data uplink operations, for example, the server may be a server of the owing party, and when the owing party triggers an instruction to store the creditor data in the blockchain, a subsequent process may be performed based on the creditor data.

202. And the server generates a creditor key value based on the creditor bill number.

When the server transfers the creditor information, a creditor key value can be obtained based on the creditor bill number to uniquely identify the creditor data, and the creditor key value can be the creditor bill number and can also be used as an index used in subsequent inquiry and updating of the creditor transfer information based on a character string generated by the creditor bill number.

203. The server generates first credit transfer information based on the credit information, wherein the credit holder information in the first credit transfer information is the payee, the credit receiver information is an empty field, and the credit state in the first credit transfer information is credit establishment.

The first creditor transfer information is generated based on data provided by owed parties and is used for describing the current specific transfer state of the accounts receivable, and because the first creditor transfer information is obtained in a state that the creditor is established, the creditor holder is still the payee included in the creditor information at present, and because the creditor does not enter the transfer process yet, the creditor receiver information can be null.

Optionally, the first creditor transfer information further includes a next-state operator for indicating a next party that should process the creditor, where the next-state operator may be used as a condition for verifying whether the creditor can be processed, so as to update the state of the creditor to a next state, that is, when any processing instruction carrying the creditor key value is received, the processing instruction is checked according to the next-state operator stored in the creditor transfer information, and when the check is passed, the creditor transfer information updating process is executed in response to the processing instruction. For example, for the first creditor transfer information, the next-state operator is the payee, i.e. the second user.

Optionally, the first credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, for the first creditor transfer information, the operation serial number thereof may be 0.

Optionally, the first claim transfer information may further include a signature of a private service key of the owing party on the information in the first claim transfer information, for example, when the first claim transfer information includes: when the creditor information is the payee, the creditor information is the null field, the creditor state in the first creditor transfer information is the creditor establishment, and the operation serial number, the next-state operator and other information, the server can sign according to the service private key pair of the owing party and store the signature to the first creditor transfer information, thereby ensuring the authenticity of data.

For example, fig. 3 shows formats of the creditor key value and the first creditor transfer information, where the basic information of arrears is the creditor information, and a specific arrangement manner of each information is not limited in the embodiment of the present invention.

204. And the server stores the creditor key value and the first creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a first block according to the creditor key value and the first creditor transfer information, and add the first block to the block chain of the block chain system when the first block is identified and passed through in the block chain system.

The next state of creditor establishment is divided into two types:

the first is that the debt is closed, representing that the debt has been cleared, and is the final state of accounts receivable. At this time, the creditor and the next-state operator should be the same party, the creditor is unchanged, the creditor receiver is an empty field, the creditor state is that the creditor is closed, the next-state operator is empty, and the operation number is increased by 1.

The second is a transfer notification of the claim, which notifies the owing party on behalf of the holder of the claim to prepare for transferring the claim. At this time, the creditor and the next-state operator should be the same party, the payee modifies the data on the chain, the data on the chain includes that the basic information of the debt is not changed, the creditor receiver is a third party to which the creditor is to be transferred, namely a third user, the creditor state is a notification of transferring the creditor, the next-state operator is the debt, and the operation serial number is increased by 1.

205. And the server receives a creditor transfer instruction of the second user, wherein the creditor transfer instruction carries a third user serving as a creditor receiver and the creditor key value.

When the second user as the payee needs to have more fund flow and prepares to transfer the creditor to a third user as a third party, the creditor transfer instruction can be triggered, when the server receives the creditor transfer instruction, whether the creditor transfer instruction is sent by the second user can be verified according to the information stored in the first block, and when the verification is passed, the creditor state can be updated in response to the creditor transfer instruction.

206. The server generates second credit right transfer information according to the first credit right transfer information corresponding to the credit right key value and the third user, wherein credit right holder information in the second credit right transfer information is the second user, credit right receiver information is the third user, and the credit right state in the second credit right transfer information is a credit right transfer notice.

When receiving the credit transfer instruction, the server may query the credit key value from the block chain according to the credit key value carried in the credit transfer instruction, obtain a block in which the first credit transfer information is stored, obtain the first credit transfer information stored in the block, so as to obtain the current specific situation of the credit, and modify the credit state and the like based on the first credit transfer information.

The second credit right transfer information is generated based on the transfer demand of the payee, and the second credit right transfer information is obtained when transfer is needed, so that the credit right holder is still the payee included in the credit right information at present, and the credit right receiver information can be the third user because the credit right just starts to enter the circulation flow.

Optionally, the second credit right transfer information further includes a next state operator, configured to indicate a next party that should process the credit right, where the next state operator may be a condition for verifying whether the credit right can be processed, so as to update the state of the credit right to a next state, that is, when any processing instruction carrying the credit right key is received, the processing instruction is checked according to the next state operator stored in the credit right transfer information, and when the check is passed, the credit right transfer information updating process is executed in response to the processing instruction. For example, for the second credit right transfer information, the next-state operator is a owing party, that is, the first user.

Optionally, the second credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, for the second creditor transfer information, the operation serial number thereof may be 1.

Optionally, the second creditor transfer information may further include a signature of the private service key of the payee on the above information in the second creditor transfer information, for example, when the second creditor transfer information includes: and when the creditor information is the second user, the creditor receiver information is the third user, and the creditor state in the second creditor transfer information is information such as a creditor transfer notice, an operation serial number and a next-state operator, the server can sign according to the service private key pair of the payee and store the signature to the second creditor transfer information, so that the authenticity of data is ensured.

207. And the server stores the creditor key value and the second creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a second block according to the creditor key value and the second creditor transfer information, and add the second block to the block chain of the block chain system when the second block is identified and passed through in the block chain system.

208. And the server receives a creditor transfer confirmation instruction of the first user, wherein the creditor transfer confirmation instruction carries the creditor key value.

When the first user knows that the second user wants to transfer the debt to the third user, the first user may first query and check whether the debt has been paid back, and the specific query process may include: receiving a credit inquiry instruction of any user, wherein the credit inquiry instruction carries the credit key value; inquiring the creditor key value from the block chain, and determining at least one block; and sending the creditor transfer information stored in the block with the highest block height in the at least one block to the user. The higher the block height, the later the block chaining time is, so that the latest status of the credit is stored in the block with the highest block height among the plurality of blocks. When the first user determines that the debt has been credited, a withdrawal operation may be initiated, and when the first user determines that the debt has not been credited, the transfer of the debt may be agreed to and the transfer of the claim of debt confirmation instruction triggered.

209. And the server generates third credit right transfer information according to the second credit right transfer information corresponding to the credit right key value, wherein credit right holder information in the third credit right transfer information is the second user, credit right receiver information is the third user, and the credit right state in the third credit right transfer information is a credit right transfer confirmation notice.

When receiving the creditor transfer confirmation instruction, the server may query the creditor key values from the block chain according to the creditor key values carried in the creditor transfer confirmation instruction, obtain a plurality of blocks in which the creditor key values are stored, and obtain second creditor transfer information stored in the block with the highest block height, so as to obtain the current specific situation of the creditor, and modify the creditor state and the like based on the second creditor transfer information.

The third credit right transfer information is generated by credit right transfer based on the agreement of the owing party, and the third credit right transfer information is obtained when the transfer is determined to be performed, so the credit right holder is still the payee included in the credit right information at present, and the credit right receiver information can be the third user because the credit right is in the flow of entering circulation.

Optionally, the third creditor transfer information further includes a next-state operator for indicating a next party that should process the creditor, where the next-state operator may be used as a condition for verifying whether the creditor can be processed, so as to update the state of the creditor to a next state, that is, when any processing instruction carrying the creditor key value is received, the processing instruction is checked according to the next-state operator stored in the creditor transfer information, and when the check is passed, the creditor transfer information updating process is executed in response to the processing instruction. For example, for the third creditor transfer information, the next-state operator thereof is the creditor receiver, that is, the third user.

Optionally, the third credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, for the third creditor transfer information, the operation serial number thereof may be 2.

Optionally, the third claim transfer information may further include a signature of the service private key of the owing party on the above information in the third claim transfer information, for example, when the third claim transfer information includes: and when the creditor information is the second user, the creditor receiver information is the third user, and the creditor state in the third creditor transfer information is information such as a creditor transfer confirmation notice, an operation serial number, a next-state operator and the like, the server can sign according to the service private key pair of the payee and store the signature to the third creditor transfer information, so that the authenticity of data is ensured.

210. And the server stores the creditor key value and the third creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a third block according to the creditor key value and the third creditor transfer information, and add the third block to the block chain of the block chain system when the third block is identified and passed through in the block chain system.

211. And the server receives a creditor receiving instruction of the third user, wherein the creditor receiving instruction carries the creditor key value.

When the third user confirms to receive the right of debt, money can be transferred to the second user in an online or offline mode, and accordingly the purchase of the debt is achieved. Of course, before the transfer, the third user may inquire that the status of the debt is updated to the confirmation of the transfer of the debt through the inquiry process in the same manner as described above, and may trigger the instruction of receiving the debt right to receive the debt right, however, the third user may withdraw the operation and not receive the transfer of the debt right, which is not limited by the embodiment of the present invention.

212. The server generates fourth credit right transfer information according to the third credit right transfer information corresponding to the credit right key value, wherein the credit right holder information in the fourth credit right transfer information is the second user, the credit right receiver information is the third user, and the credit right state in the fourth credit right transfer information is the payment to the credit right holder.

When receiving the creditor receiving instruction, the server may query the creditor key values from the block chain according to the creditor key values carried in the creditor receiving instruction, obtain a plurality of blocks in which the creditor key values are stored, and obtain third creditor transfer information stored in the block with the highest block height, so as to obtain the current specific situation of the creditor, and modify the creditor state and the like based on the third creditor transfer information.

The fourth creditor transfer information is generated based on the third user agreeing to receive the creditor, and since the fourth creditor transfer information is obtained after the third user has transferred the money, the creditor of the creditor is still the payee included in the creditor information, and since the creditor is in the transfer flow, the creditor receiver information can be the third user.

Optionally, the fourth credit right transfer information further includes a next state operator, configured to indicate a next party that should process the credit right, where the next state operator may be a condition for verifying whether the credit right can be processed, so as to update the state of the credit right to a next state, that is, when any processing instruction carrying the credit right key value is received, the processing instruction is checked according to the next state operator stored in the credit right transfer information, and when the check is passed, the credit right transfer information updating process is executed in response to the processing instruction. For example, as for the fourth creditor transfer information, the next-state operator is the payee, that is, the second user.

Optionally, the fourth credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, for the fourth creditor transfer information, the operation serial number thereof may be 3.

Optionally, the fourth creditor transfer information may further include a signature of a service private key of the creditor receiver on the above information in the fourth creditor transfer information, for example, when the fourth creditor transfer information includes: when the creditor information is the second user, the creditor receiver information is the third user, and the creditor status in the fourth creditor transfer information is information such as payment to the creditor, an operation serial number, a next-state operator and the like, the server can sign the creditor receiver according to the service private key pair of the creditor receiver and store the signature to the fourth creditor transfer information, so that the authenticity of data is ensured.

213. And the server stores the creditor key value and the fourth creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a fourth block according to the creditor key value and the fourth creditor transfer information, and add the fourth block to the block chain of the block chain system when the fourth block is identified and passed through in the block chain system.

214. And the server receives a creditor receiving confirmation instruction of the second user, wherein the creditor receiving confirmation instruction carries the creditor key value.

When the second user confirms that the money has been received, it is indicated that the credentialing can be officially transferred. Of course, before triggering the creditor receipt confirmation instruction, the second user may inquire that the status of the debt has been updated to be paid to the creditor through the inquiry process in the same manner as described above, and may trigger the creditor receipt instruction to confirm that the payment has been received,

215. the server generates fifth credit transfer information according to the fourth credit transfer information corresponding to the credit key value, wherein the credit holder information in the fifth credit transfer information is the third user, the credit receiver information is an empty field, and the credit state in the fifth credit transfer information is credit establishment.

When receiving the creditor receiving confirmation instruction, the server may query the creditor key values from the block chain according to the creditor key values carried in the creditor receiving confirmation instruction, obtain a plurality of blocks in which the creditor key values are stored, and obtain fourth creditor transfer information stored in the block with the highest block height, so as to obtain the current specific situation of the creditor, and modify the creditor state and the like based on the fourth creditor transfer information.

The fifth credit right transfer information is generated based on the second user having received the money paid by the third user, and since the fifth credit right transfer information is obtained after the third user has transferred the money and the second user has confirmed, the credit right holder thereof is updated to the third user at present, and since the credit right has been re-established, the credit right receiver information thereof may be an empty field.

Optionally, the fifth credit transfer information further includes a next-state operator, configured to indicate a next party that should process the credit, where the next-state operator may be a condition for verifying whether the credit can be processed, so as to update the status of the credit to a next state, that is, when any processing instruction carrying the credit key is received, the processing instruction is checked according to the next-state operator stored in the credit transfer information, and when the check is passed, the credit transfer information updating process is executed in response to the processing instruction. For example, for the fifth credit transfer information, the next-state operator thereof is the current credit holder, that is, the third user.

Optionally, the fifth credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, for the fifth creditor transfer information, the operation serial number thereof may be 4.

Optionally, the fifth credit transfer information may further include a signature of the service private key of the payee on the above information in the fifth credit transfer information, for example, when the fifth credit transfer information includes: when the creditor information is the third user, the creditor receiver information is null, and the creditor status in the fifth creditor transfer information is information such as creditor establishment, operation serial number and next-state operator, the server can sign according to the service private key pair of the second user and store the signature to the fifth creditor transfer information, thereby ensuring the authenticity of data.

216. And the server stores the creditor key value and the fifth creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a fifth block according to the creditor key value and the fifth creditor transfer information, and add the fifth block to the block chain of the block chain system when the fifth block is identified and passed through in the block chain system.

217. And the server receives a creditor closing instruction of the third user, wherein the creditor closing instruction carries the creditor key value.

When the third user confirms that the repayment of the first user is received, the creditor closing instruction can be triggered to indicate that the creditor is returned completely. It should be noted that, before the payment, the first user may also obtain that the payment is performed when the right of debt is determined by querying the corresponding key value of the right of debt, so as to avoid the situation that the payment is made to the wrong party.

218. The server generates sixth credit transfer information according to the fifth credit transfer information corresponding to the credit key value, wherein the credit holder information in the sixth credit transfer information is the third user, the credit receiver information is an empty field, and the credit status in the sixth credit transfer information is credit closed.

When receiving the creditor closing instruction, the server may query the creditor key values from the block chain according to the creditor key values carried in the creditor closing instruction, obtain a plurality of blocks in which the creditor key values are stored, and obtain fifth creditor transfer information stored in the block with the highest block height, so as to obtain the current specific situation of the creditor, and modify the creditor state and the like based on the fifth creditor transfer information.

The sixth credit right transfer information is generated based on the third user having received the credit paid by the first user, and since the sixth credit right transfer information is obtained after the first user has transferred the money and the third user has confirmed, the credit right holder is still the third user, and since the credit right has been closed, the credit right receiver information may be an empty field.

Optionally, the sixth credit right transfer information further includes a next state operator, configured to indicate a next party that should process the credit right, where the next state operator may be a condition for verifying whether the credit right can be processed, so as to update the state of the credit right to a next state, that is, when any processing instruction carrying the credit right key is received, the processing instruction is checked according to the next state operator stored in the credit right transfer information, and when the check is passed, the credit right transfer information updating process is executed in response to the processing instruction. For example, for the sixth creditor transfer information, the next-state operator thereof is an empty field.

Optionally, the sixth credit right transfer information further includes an operation serial number, and the credit right transfer information further includes an operation serial number, where the operation serial number is used to identify the number of times of flow transfer of the credit right information, so as to ensure that the credit right transfer is performed in order. For example, the operation serial number of the sixth creditor transfer information may be 5.

Optionally, the sixth liability transfer information may further include a signature of a service private key of the third user on the above information in the sixth liability transfer information, for example, when the sixth liability transfer information includes: and when the information of the creditor and the creditor is the third user, the information of the creditor and the creditor receiver is null, and the creditor state in the sixth creditor and the creditor transfer information is information of the creditor closing, the operation serial number, the next state operator and the like, the server can carry out signature according to the service private key pair of the third user and store the signature to the sixth creditor and transfer information, so that the authenticity of data is ensured.

219. And the server stores the creditor key value and the sixth creditor transfer information to a block chain of the block chain system.

The specific process of storing to the blockchain includes: the server may generate a sixth block according to the creditor key value and the sixth creditor transfer information, and add the sixth block to the block chain of the block chain system when the sixth block is identified and passed in the block chain system.

It should be noted that, at any time, if a credit inquiry instruction of any user is received, where the credit inquiry instruction carries the credit key value; inquiring the creditor key value from the block chain, and determining at least one block; and sending the creditor transfer information stored in the block with the highest block height in the at least one block to the user. Through the query process based on the block chain, the latest state of the creditor can be queried, so that the situations of misoperation and the like caused by unequal information are avoided.

Of course, when inquiring, the creditor transfer information stored in the at least one block can also be returned to the user, so that the user can know the whole process of the change of the creditor.

The method provided by the embodiment of the invention stores the creditor data and the information related to the transfer of the creditor to the block chain, and stores the corresponding data to the block chain when the creditor changes, so that the query and the state transfer of the accounts to be collected are very convenient, and the speed of service transfer and the speed of service processing are greatly accelerated. Meanwhile, the data of the uplink not only adopts the same creditor key value to identify the whole change process of one creditor, but also greatly ensures the authenticity of accounts to be collected because the data stored on the block chain cannot be tampered.

Furthermore, the creditor right transfer of accounts receivable is controlled by using information such as state information, next-state operators, operation sequence numbers and the like, so that misoperation caused by unequal information is avoided, and the orderly transfer of the creditor right is ensured.

It should be noted that the above process may be implemented by an intelligent contract stored in the business system and the blockchain system, and not only can the distributed accounting and non-falsification characteristics of the blockchain be used to ensure the authenticity of accounts receivable. Meanwhile, the circulation of the whole service can be controlled based on an intelligent contract for converting the service flow, and the processing speed of the whole financing is accelerated. Taking the financing process as an example, the logic implemented by the intelligent contract can be seen from fig. 4, after the arrears establish the arrears, the status of the obligations is established as the obligations, when receiving the transfer notice of the obligations, the status of the obligations is updated to the obligation transfer notice, if the transfer is withdrawn, the status of the obligations is recovered to the establishment of the obligations, while in the status of the obligation transfer notice, if receiving the transfer notice confirmation, the status of the obligations is updated to the confirmation of the obligation transfer notice, if the confirmation of the transfer is received, the status of the obligations is recovered to the establishment of the obligations, while in the status of the confirmation of the obligations, if the confirmation of the payment is already paid, the status of the obligations is updated to the obligations holder, and when the obligations holder receives the obligations, the status of the obligations is established, the obligations at this time are owned by the third party, while in the status of the establishment of the obligations at this time, if the obligations holder receives the payment, the creditor status is updated to creditor off. The logic may be implemented by a service system and a blockchain system, and the specific process is detailed in the process shown in fig. 2 and is not described herein again.

To more clearly illustrate a process of financing for a receivables, the following description is given by way of example:

(1) the enterprise A provides service or sells goods to the enterprise B, the enterprise B writes arrearages to the enterprise A into a blockchain, and the following contents are stored in the blockchain: basic information of arrears (arrears number, date, collection company, arrears company, amount, reason of arrears, signature and the like), a creditor A, a creditor receiving public space, a creditor state for establishing the creditor, a next state for operating company A, and an operation number 0, and simultaneously signing the data by a business private key of enterprise B.

(2) Business a needs more money transfers in preparation for transfer of the above accounts receivable to the manager C. Enterprise a stores the following on the blockchain for the corresponding accounts receivable: the basic information of the debt is not changed, the debt holding company is A, the debt receiving company is C, the state of the debt is changed to be the transfer notice of the debt, the next state operation company is the debt company B, the operation number is 1, and the data are signed by the business private key of the enterprise A.

(3) Enterprise B needs to be informed of A, C of the transfer of the debt and confirm the transfer. Company B may query the corresponding value of the liability right to learn the status of the liability and initiate a withdrawal operation if the liability has been returned. And if the debt of the company B is not returned, the transfer of the debt can be agreed, and the following contents are stored on the blockchain: the debt basic information, the credit right holding company is A, the credit right receiving company is C, the credit right state is changed into credit right transfer notice confirmation, the next state operation company is the credit right receiving company C, the operation serial number is 2, and meanwhile, the data are signed by the business private key of the enterprise B.

(4) And C, paying the enterprise A, and transferring the bond right to C by the enterprise A. C, the corresponding credit key value can be inquired, so that the state of the debt is obtained, and the debt is confirmed to enter the debt transfer notification confirmation. At this point, C may withdraw this operation if it does not want to receive this transfer of debt. If company C agrees to receive this transfer of debt, then a may be paid and the following may be stored on the blockchain: the debt is basically unchanged, the debt holding company is A, the debt receiving company is C, the state is changed to the money making holding company, the next state operation company is the debt holding company A, the operation serial number is 3, and meanwhile, the data are signed by the business private key of the C enterprise.

(5) A can inquire the corresponding debt key value, thus obtain the state of the debt, after confirming that the debt number enters into and pays to the debt holder, transfer the debt, store the following content on the blockchain: the debt holding company is changed into a debt receiving company C, the next state operating company is C, the debt receiving company is empty, the state is changed into the debt establishment, the operation number is 4, and the data above are signed by the business private key of the enterprise A.

(6) And the enterprise B repays the payment to the enterprise C. And B, when the enterprise repays, inquiring the corresponding creditor key value so as to obtain the state of the debt, and only paying the debt to the holder when the current state is confirmed to be the creditor confirmation.

(7) C, after receiving the corresponding money, storing the following contents on the block chain: : and the debt holding company is C, the next state operating company is null, the debt receiving company is null, the state is changed to be closed, the operation serial number is 5, and meanwhile, the data are signed by the service private key of the C enterprise.

In the process, the money to be collected can be conveniently inquired and the state can be conveniently transferred, and the efficiency of the guarantee financing is greatly accelerated. Meanwhile, the data of the chain cannot be tampered, and the authenticity of accounts to be collected is greatly guaranteed. The modification process of the data after uplink is to add new data to the corresponding key value, so that all the circulation flows of the corresponding accounts receivable can be checked.

Fig. 5 is a schematic structural diagram of a creditor data storage device according to an embodiment of the present invention. Referring to fig. 4, the apparatus includes:

an obtaining module 501, configured to obtain credit data, where the credit data includes a credit order number and credit information, and the credit information includes at least a first user as a owing party, a second user as a payee, and an owing amount;

a generating module 502, configured to generate a creditor key value based on the creditor bill number;

the generating module 502 is further configured to generate first credit right transfer information based on the credit right information, where credit right holder information in the first credit right transfer information is the payee, credit right receiver information is an empty field, and a credit right state in the first credit right transfer information is credit right establishment;

a storage module 503, configured to store the creditor key value and the first creditor transfer information to the blockchain of the blockchain system.

In some embodiments, the apparatus further comprises:

the receiving module is used for receiving a creditor transfer instruction of the payee, wherein the creditor transfer instruction carries a third user serving as a creditor receiver and the creditor key value;

the generating module is further configured to generate second credit right transfer information according to the first credit right transfer information and the third user corresponding to the credit right key value, credit right holder information in the second credit right transfer information is the second user, credit right receiver information is the first user, and credit right state in the second credit right transfer information is a credit right transfer notification;

the storage module is further configured to store the creditor key value and the second creditor transfer information onto a blockchain of the blockchain system.

In some embodiments, the receiving module is further configured to receive a claim transfer confirmation instruction of the first user, where the claim transfer confirmation instruction carries the claim key value;

the generating module is further configured to generate third credit right transfer information according to the second credit right transfer information corresponding to the credit right key value, where credit right holder information in the third credit right transfer information is the second user, credit right receiver information is the third user, and a credit right state in the third credit right transfer information is a credit right transfer confirmation notification;

the storage module is further configured to store the creditor key value and the third creditor transfer information onto a blockchain of the blockchain system.

In some embodiments, the receiving module is further configured to receive a creditor receiving instruction of the third user, where the creditor receiving instruction carries the creditor key value;

the generating module is further configured to generate fourth credit right transfer information according to the third credit right transfer information corresponding to the credit right key value, where credit right holder information in the fourth credit right transfer information is the second user, credit right receiver information is the third user, and the credit right state in the fourth credit right transfer information is a state of paying to a credit right holder;

the storage module is further configured to store the creditor key value and the fourth creditor transfer information onto a blockchain of the blockchain system.

In some embodiments, the receiving module is further configured to receive a creditor receiving instruction of the second user, where the creditor receiving instruction carries the creditor key value;

the generating module is further configured to generate fifth credit transfer information according to the fourth credit transfer information corresponding to the credit key value, where credit holder information in the fifth credit transfer information is the third user, credit receiver information is an empty field, and a credit state in the fifth credit transfer information is credit establishment;

the storage module is further configured to store the creditor key value and the fifth creditor transfer information onto a blockchain of the blockchain system.

In some embodiments, the receiving module is further configured to receive a claim closing instruction of the third user, where the claim closing instruction carries the claim key value;

the generating module is further configured to generate sixth credit right transfer information according to the fifth credit right transfer information corresponding to the credit right key value, wherein credit right holder information in the sixth credit right transfer information is the third user, credit right receiver information is an empty field, and the credit right state in the sixth credit right transfer information is credit right closing;

the storage module is further configured to store the creditor key value and the sixth creditor transfer information onto the blockchain of the blockchain system.

In some embodiments, the receiving module is further configured to receive a creditor query instruction of any user, where the creditor query instruction carries the creditor key value;

the determining module is used for inquiring the creditor key value from the block chain and determining at least one block;

and the sending module is used for sending the creditor transfer information stored in the block with the highest block height in the at least one block to the user.

In some embodiments, the creditor transfer information further comprises a next state operator;

when any processing instruction carrying the creditor key value is received, the processing instruction is verified according to the next state operator stored in the creditor transfer information, and when the verification is passed, the creditor transfer information updating process is executed in response to the processing instruction.

In some embodiments, the creditor transfer information further comprises an operation sequence number, wherein the operation sequence number is used for identifying the number of times of flow transfer of the creditor information.

In some embodiments, the creditor transfer information further comprises a signature of the operation user's service private key on the creditor transfer information.

All the above optional technical solutions may be combined arbitrarily to form the optional embodiments of the present disclosure, and are not described herein again.

Fig. 6 is a schematic diagram of a computer device 600 according to an embodiment of the present invention, where the computer device 600 may generate relatively large differences due to different configurations or performances, and may include one or more processors (CPUs) 601 and one or more memories 602, where the memory 602 stores therein at least one instruction, and the at least one instruction is loaded and executed by the processor 601 to implement the creditor data storage method provided by each method embodiment. Certainly, the computer device may further have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input and output, and the computer device may further include other components for implementing the functions of the device, which is not described herein again.

In an exemplary embodiment, there is also provided a computer readable storage medium, such as a memory, comprising instructions executable by a processor in a terminal to perform the creditor data storage method in the embodiments described below. For example, the computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

1. A method for processing claim data, the method comprising:

acquiring creditor data, wherein the creditor data comprise a creditor bill number and creditor information, the creditor information at least comprises a first user serving as a owing party, a second user serving as a payee and owing amount, and the creditor information also comprises information of the owing party for carrying out summary signature on the creditor data by using a service private key;

generating a creditor key value based on the creditor bill number, wherein the creditor key value is used for uniquely identifying the creditor data;

generating first credit right transfer information based on the credit right information, wherein the credit right holder information in the first credit right transfer information is the payee, the credit right receiver information is an empty field, and the credit right state in the first credit right transfer information is credit right establishment; the creditor transfer information comprises a next state operator and is used for indicating a next party handling the creditor, when any processing instruction carrying the creditor key value is received, whether the processing instruction is sent by the next state operator is checked according to the next state operator stored in the creditor transfer information, and when the checking is passed, the updating process of the creditor transfer information is executed in response to the processing instruction; the credit right transfer information further comprises an operation serial number, the operation serial number is used for identifying the number of times of flow transfer of the credit right information, a next-state operator in the first credit right transfer information is the second user, and the operation serial number is 0;

generating a first block based on the creditor key value and the first creditor transfer information, performing consensus on the first block in a block chain system, and adding the first block to a block chain of the block chain system when the consensus passes;

the executing, in response to the processing instruction, an update process of the claim transfer information includes:

the credit right transfer information is the first credit right transfer information, the processing instruction is a credit right transfer instruction of the second user, second credit right transfer information is generated based on the credit right transfer instruction of the second user and the first credit right transfer information, credit right holder information in the second credit right transfer information is the second user, credit right receiver information is the third user, the credit right state in the second credit right transfer information is a credit right transfer notice, the credit right transfer instruction is triggered when the second user has a credit right transfer demand and prepares to transfer the credit right to the third user, the second credit right transfer information is obtained by modifying block chain data of the first block, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is modified into the third user, the credit right state is modified into the credit right transfer notice, the next operation party is modified into the first user, and the operation serial number is modified into 1;

the credit right transfer information is the second credit right transfer information, the processing instruction is a credit right transfer confirmation instruction of the first user, third credit right transfer information is generated based on the credit right transfer confirmation instruction of the first user and the second credit right transfer information, credit right holder information in the third credit right transfer information is the second user, the credit right holder information is the third user, the credit right state in the third credit right transfer information is a credit right transfer confirmation notice, the credit right transfer confirmation instruction is triggered when the first user determines that the credit right corresponding to the credit right is not returned and the credit right transfer is agreed, the third credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to the credit right transfer confirmation notice, the next operation party is modified to the third user, and the operation serial number is modified to 2;

the credit right transfer information is the third credit right transfer information, the processing instruction is a credit right receiving instruction of the third user, fourth credit right transfer information is generated based on the credit right receiving instruction of the third user and the third credit right transfer information, credit right holder information in the fourth credit right transfer information is the second user, credit right receiver information is the third user, the credit right state in the fourth credit right transfer information is a payment to a credit right holder, the credit right receiving instruction is triggered when the third user agrees to receive the credit right and has paid the credit corresponding to the credit right to the second user, the fourth credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to be the credit right holder, the next operation party is modified to be the second user, and the operation serial number is modified to be 3;

the credit right transfer information is the fourth credit right transfer information, the processing instruction is a credit right reception confirmation instruction of the second user, and fifth credit right transfer information is generated based on the credit right reception confirmation instruction of the second user and the fourth credit right transfer information, where credit right holder information in the fifth credit right transfer information is the third user, the credit right holder information is an empty field, the credit right state in the fifth credit right transfer information is credit right establishment, the credit right reception confirmation instruction is triggered by the second user when the second user has received a credit right corresponding to the credit right, the fifth credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the creditor information is unchanged, the creditor information is modified into the third user, the creditor receiver information is modified into an empty field, the creditor state is modified into the creditor establishment, the next operator is modified into the third user, and the operation serial number is modified into 4;

the credit right transfer information is the fifth credit right transfer information, the processing instruction is a credit right closing instruction of the third user, sixth credit right transfer information is generated based on the credit right closing instruction of the third user and the fifth credit right transfer information, credit right holder information in the sixth credit right transfer information is the third user, credit right receiver information is an empty field, the credit right state in the sixth credit right transfer information is credit right closing, the credit right closing instruction is triggered by the third user when the third user receives the credit right returned by the first user, the sixth credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to be closed, the next operation party is modified to be a null field, and the operation serial number is modified to be 5;

receiving a credit inquiry instruction of any user, wherein the credit inquiry instruction carries the credit key value;

inquiring the creditor key value from the block chain, and determining at least one block;

sending the credit transfer information stored in the block with the highest block height in the at least one block to the user, wherein the latest state of the credit is stored in the block with the highest block height;

the method further comprises the following steps:

the credit right transfer information is the second credit right transfer information, and after the update process of the second credit right transfer information is executed in response to the processing instruction, a withdrawal operation is received, and based on the withdrawal operation, the credit right state is restored to be the credit right establishment, and the withdrawal operation is triggered when the first user determines that the debt corresponding to the credit right is returned.

2. The method of claim 1, wherein the claim transfer information further comprises a signature of a service private key of an operating user on the claim transfer information.

3. The method of claim 1, further comprising:

and storing the creditor key value, the second creditor transfer information, the third creditor transfer information, the fourth creditor transfer information, the fifth creditor transfer information and the sixth creditor transfer information to a blockchain of the blockchain system.

4. An apparatus for processing creditor data, the apparatus comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring creditor data, the creditor data comprises a creditor bill number and creditor information, the creditor information at least comprises a first user serving as a owing party, a second user serving as a payee and owing amount, and the creditor information also comprises information of the owing party for carrying out summary signature on the creditor data by using a service private key;

a key value generation module, configured to generate a creditor key value based on the creditor bill number, where the creditor key value is used to uniquely identify the creditor data;

a first generation module, configured to generate first credit right transfer information based on the credit right information, where credit right holder information in the first credit right transfer information is the payee, credit right receiver information is an empty field, and a credit right state in the first credit right transfer information is credit right establishment; the creditor transfer information comprises a next state operator and is used for indicating a next party handling the creditor, when any processing instruction carrying the creditor key value is received, whether the processing instruction is sent by the next state operator is checked according to the next state operator stored in the creditor transfer information, and when the checking is passed, the updating process of the creditor transfer information is executed in response to the processing instruction; the credit right transfer information further comprises an operation serial number, the operation serial number is used for identifying the number of times of flow transfer of the credit right information, a next-state operator in the first credit right transfer information is the second user, and the operation serial number is 0;

the storage module is used for generating a first block based on the creditor key value and the first creditor transfer information, performing consensus on the first block in a block chain system, and adding the first block to a block chain of the block chain system when the consensus passes;

a second generation module, configured to generate second credit right transfer information based on the credit right transfer instruction of the second user and the first credit right transfer information, where the credit right transfer information is a credit right transfer instruction of the second user, the credit right holder information in the second credit right transfer information is the second user, the credit right receiver information is a third user, the credit right state in the second credit right transfer information is a credit right transfer notification, the credit right transfer instruction is triggered when there is a credit right transfer demand of the second user and the credit right is ready to be transferred to the third user, the second credit right transfer information is obtained by modifying block chain data of the first block, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is modified into the third user, the credit right state is modified into the credit right transfer notice, the next operation party is modified into the first user, and the operation serial number is modified into 1;

a third generating module, configured to generate third credit right transfer information based on a credit right transfer confirmation instruction of the first user and the second credit right transfer information, where the credit right transfer information is a credit right transfer confirmation instruction of the first user, the credit right holder information in the third credit right transfer information is the second user, the credit right receiver information is the third user, a credit right state in the third credit right transfer information is a credit right transfer confirmation notification, the credit right transfer confirmation instruction is triggered when the first user determines that the credit right corresponding to the credit right is not returned and agrees to transfer the credit right, the third credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to the credit right transfer confirmation notice, the next operation party is modified to the third user, and the operation serial number is modified to 2;

a fourth generation module, configured to generate fourth credit right transfer information based on a credit right receiving instruction of the third user and the third credit right transfer information, where the credit right holder information in the fourth credit right transfer information is the second user, the credit right receiver information is the third user, a credit right state in the fourth credit right transfer information is a payment to a credit right holder, the credit right receiving instruction is triggered when the third user agrees to receive the credit right and returns a credit right corresponding to the credit right to the second user, the fourth credit right transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to be the credit right holder, the next operation party is modified to be the second user, and the operation serial number is modified to be 3;

a fifth generating module, configured to generate fifth credit transfer information based on a credit reception confirmation instruction of the second user and the fourth credit transfer information, where the credit holder information in the fifth credit transfer information is the third user, the credit receiver information is an empty field, the credit state in the fifth credit transfer information is a credit establishment, the credit reception confirmation instruction is triggered when the second user has received a credit corresponding to the credit, the fifth credit transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the creditor information is unchanged, the creditor information is modified into the third user, the creditor receiver information is modified into an empty field, the creditor state is modified into the creditor establishment, the next operator is modified into the third user, and the operation serial number is modified into 4;

a sixth generating module, configured to use the credit transfer information as the fifth credit transfer information, where the processing instruction is a credit closing instruction of the third user, and generate sixth credit transfer information based on the credit closing instruction of the third user and the fifth credit transfer information, where credit holder information in the sixth credit transfer information is the third user, credit receiver information is an empty field, a credit state in the sixth credit transfer information is credit closing, the credit closing instruction is triggered by the third user when the third user receives a credit returned by the first user, the sixth credit transfer information is obtained by modifying the block chain data, and the modified block chain data includes: the credit right information is unchanged, the credit right holder information is unchanged, the credit right receiver information is unchanged, the credit right state is modified to be closed, the next operation party is modified to be a null field, and the operation serial number is modified to be 5;

the receiving module is used for receiving a creditor inquiry instruction of any user, and the creditor inquiry instruction carries the creditor key value;

the query module is used for querying the creditor key value from the block chain and determining at least one block;

a sending module, configured to send the credit transfer information stored in a block with a highest block height among the at least one block to the user;

the device further comprises:

the credit right transfer information is the second credit right transfer information, and the third generating module is further configured to receive a withdrawal operation after the update process of the second credit right transfer information is executed in response to the processing instruction, and recover the credit right state to be credit right establishment based on the withdrawal operation, where the withdrawal operation is triggered when the first user determines that the debt corresponding to the credit right is already returned.

5. The apparatus of claim 4, wherein the claim transfer information further comprises a signature of the claim transfer information by a service private key of the operation user.

6. The apparatus of claim 4, further comprising:

the storage module is further configured to store the credit key value, the second credit transfer information, the third credit transfer information, the fourth credit transfer information, the fifth credit transfer information, and the sixth credit transfer information onto the blockchain of the blockchain system.

7. A computer device comprising a processor and a memory, wherein the memory has stored therein at least one instruction that is loaded and executed by the processor to perform operations performed by the claim data processing method of any one of claims 1 to 3.

8. A computer-readable storage medium, wherein at least one instruction is stored in the storage medium, and the instruction is loaded and executed by a processor to implement the operations performed by the creditor data processing method according to any one of claims 1 to 3.