Resource transfer and capital transfer method and apparatus

A system, comprising:

• one or more processors;
• and
• one or more memories configured to store instructions executable by the one or more processors to cause the one or more processors to perform operations comprising:
• determining, at a borrower, according to an agreement with a lender, a first amount of capital to be transferred to the borrower from the lender;
• determining, at the borrower, according to the first amount of capital, a value number of a second amount of a token based on an output of a function relationship that uses a value number of the first amount of the capital and a random number as inputs, wherein a resource type of the capital is different from a resource type of the token;
• encrypting, at the borrower, using a public key of the lender, the random number to obtain an encrypted random number;
• encrypting, at the borrower, the value number of the second amount of the token using the public key of the lender and a first encryption function to obtain first encrypted amount information;
• initiating, at the borrower, a transaction request to a blockchain to transfer the second amount of the token from the borrower to the lender, wherein the transaction request comprises the encrypted random number, the first encrypted amount information, and a zero-knowledge proof that the value number of the second amount is less than a value number of an original amount of the token of the borrower, the value number of the second amount is positive, and the value number of the original amount is positive;
• verifying, by a plurality of blockchain nodes of the blockchain, the transaction request by executing a consensus algorithm;
• executing, by the plurality of blockchain nodes, after the blockchain nodes verify the transaction request, the transaction request to transfer the token from the borrower to the lender;
• recording, by the plurality of blockchain nodes, a result of the execution on the blockchain;
• obtaining, at the lender, the encrypted random number from the blockchain;
• determining, at the lender, the random number based on the encrypted random number and a private key of the lender;
• determining, at the lender, the value number of the first amount of the capital based on the determined random number and the function relationship according to reverse conversion;
• after the second amount of the token is transferred to the lender, sending off the blockchain, at the lender to the borrower, the first amount of the capital;
• receiving off the blockchain, at the lender from the borrower, the first amount of the capital;
• and
• in response to receiving the first amount of the capital, initiating, at the lender, a different transaction request to the blockchain to transfer the second amount of the token from the lender to the borrower.

A non-transitory computer-readable storage medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:

• determining, at a borrower, according to an agreement with a lender, a first amount of capital to be transferred to the borrower from the lender;
• determining, at the borrower, according to the first amount of capital, a value number of a second amount of a token based on an output of a function relationship that uses a value number of the first amount of the capital and a random number as inputs, wherein a resource type of the capital is different from a resource type of the token;
• encrypting, at the borrower, using a public key of the lender, the random number to obtain an encrypted random number;
• encrypting, at the borrower, the value number of the second amount of the token using the public key of the lender and a first encryption function to obtain first encrypted amount information;
• initiating, at the borrower, a transaction request to a blockchain to transfer the second amount of the token from the borrower to the lender, wherein the transaction request comprises the encrypted random number, the first encrypted amount information, and a zero-knowledge proof that the value number of the second amount is less than a value number of an original amount of the token of the borrower, the value number of the second amount is positive, and the value number of the original amount is positive;
• verifying, by a plurality of blockchain nodes of the blockchain, the transaction request by executing a consensus algorithm;
• executing, by the plurality of blockchain nodes, after the blockchain nodes verify the transaction request, the transaction request to transfer the token from the borrower to the lender;
• recording, by the plurality of blockchain nodes, a result of the execution on the blockchain;
• obtaining, at the lender, the encrypted random number from the blockchain;
• determining, at the lender, the random number based on the encrypted random number and a private key of the lender;
• determining, at the lender, the value number of the first amount of the capital based on the determined random number and the function relationship according to reverse conversion;
• after the second amount of the token is transferred to the lender, sending off the blockchain, at the lender to the borrower, the first amount of the capital;
• receiving off the blockchain, at the lender from the borrower, the first amount of the capital;
• and
• in response to receiving the first amount of the capital, initiating, at the lender, a different transaction request to the blockchain to transfer the second amount of the token from the lender to the borrower.