Dual transaction method and system based on centralization and decentralization

One or more non-transitory computer-readable storage media storing instructions executable by one or more processors, wherein execution of the instructions causes the one or more processors to perform operations comprising:

• receiving a transaction request comprising a paying user identifier of a paying user, a designated resource amount, and a receiving user identifier of a receiving user, the paying user being a user paying the designated resource amount, and the receiving user being a user receiving the designated resource amount, wherein a blockchain network comprises a plurality of member nodes, a centralized virtual resource account of the paying user and a centralized virtual resource account of the receiving user are registered with a designated member node;
• performing a first transaction feasibility verification on the transaction request off the blockchain network in a centralized manner, the first transaction feasibility verification comprising verifying whether a balance of the centralized virtual resource account corresponding to the paying user identifier is sufficient to provide the designated resource amount;
• after the first transaction feasibility verification is successful, settling, in a local relational database, the transaction request by:
• deducting the designated resource amount from the centralized virtual resource account corresponding to the paying user identifier, and
• adding the designated resource amount to the centralized virtual resource account corresponding to the receiving user identifier;
• transmitting to a computing device of the paying user and/or a computing device of the receiving user a confirmation message of success of the first transaction feasibility verification and the settlement of the transaction request performed by the designated member node off the blockchain network and before target transaction information is published to a blockchain of the blockchain network;
• constructing, according to the transaction request, the target transaction information comprising the paying user identifier, the designated resource amount, and the receiving user identifier;
• and
• after the settlement of the transaction request, broadcasting a blockchain transaction comprising the target transaction information and the confirmation message to the blockchain network, for the member nodes to publish the blockchain based on a decentralized consensus mechanism with respect to the blockchain transaction, the decentralized consensus mechanism comprising performing a second transaction feasibility verification of the blockchain transaction in a decentralized manner.

A system comprising one or more processors and one or more non-transitory computer-readable memories coupled to the one or more processors and configured with instructions executable by the one or more processors to cause the system to perform operations comprising:

• receiving a transaction request comprising a paying user identifier of a paying user, a designated resource amount, and a receiving user identifier of a receiving user, the paying user being a user paying the designated resource amount, and the receiving user being a user receiving the designated resource amount, wherein a blockchain network comprises a plurality of member nodes, a centralized virtual resource account of the paying user and a centralized virtual resource account of the receiving user are registered with a designated member node;
• performing a first transaction feasibility verification on the transaction request off the blockchain network in a centralized manner, the first transaction feasibility verification comprising verifying whether a balance of the centralized virtual resource account corresponding to the paying user identifier is sufficient to provide the designated resource amount;
• after the first transaction feasibility verification is successful, settling, in a local relational database, the transaction request by:
• deducting the designated resource amount from the centralized virtual resource account corresponding to the paying user identifier, and
• adding the designated resource amount to the centralized virtual resource account corresponding to the receiving user identifier;
• transmitting to a computing device of the paying user and/or a computing device of the receiving user a confirmation message of success of the first transaction feasibility verification and the settlement of the transaction request performed by the designated member node off the blockchain network and before target transaction information is published to a blockchain of the blockchain network;
• constructing, according to the transaction request, target transaction information comprising the paying user identifier, the designated resource amount, and the receiving user identifier;
• and
• after the settlement of the transaction request, broadcasting a blockchain transaction comprising the target transaction information and the confirmation message to the blockchain network, for the member nodes to publish the blockchain based on a decentralized consensus mechanism with respect to the blockchain transaction, the decentralized consensus mechanism comprising performing a second transaction feasibility verification of the blockchain transaction in a decentralized manner.