CN110580652A - On-chain asset pledge financing system and method through on-chain digital currency settlement - Google Patents

On-chain asset pledge financing system and method through on-chain digital currency settlement Download PDF

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CN110580652A
CN110580652A CN201910717313.1A CN201910717313A CN110580652A CN 110580652 A CN110580652 A CN 110580652A CN 201910717313 A CN201910717313 A CN 201910717313A CN 110580652 A CN110580652 A CN 110580652A
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asset
chain
pledged
information
lender
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CN110580652B (en
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孟江华
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

the invention discloses an on-chain asset pledge financing system and method through on-chain digital currency settlement, and relates to the technical field of digital assets. One embodiment of the method comprises: the borrower asset application terminal system generates an on-chain asset pledge instruction and then sends the instruction to the asset ledger system; the asset account book system executes a first intelligent contract in an asset pledge instruction on the chain to generate asset information to be pledged; the lender asset application terminal system generates a corresponding on-chain digital money transfer instruction and a synchronous pledge instruction of the assets to be pledged, and then sends the two instructions to the asset ledger system; the asset ledger system executes a second intelligent contract in the chain digital currency transfer instruction and a third intelligent contract in the synchronous pledge instruction of the assets to be pledged, completes the transfer of the chain digital currency and generates pledged assets at the same time. The implementation mode realizes the chain asset pledge financing process of chain digital currency settlement based on the intelligent contract, and reduces the transaction risk.

Description

On-chain asset pledge financing system and method through on-chain digital currency settlement
Technical Field
the invention relates to the technical field of digital assets, in particular to an on-chain asset pledge financing system and an on-chain asset pledge financing method through on-chain digital currency settlement.
background
At present, the blockchain technology is rapidly developed, and the blockchain is used as a decentralized novel distributed computing paradigm and provides technical support for the operation of various digital assets on a distributed network. The digital assets run on a distributed network of a block chain, the global multi-node consensus accounting is carried out in a mode of sharing an account book without depending on accounting of a specific third party or a central party, and a safety system of technical guarantee is realized through an encryption algorithm.
In the prior art, typical transaction modes of digital assets based on blockchains are as follows: a transferor initiates a transaction, and transfers a certain amount of digital assets corresponding to the asset account book address of the transferor to the asset account book address of a receiver to form a UTXO (UnpendTransaction Output) transaction request; and after the consensus node of the block chain performs whole-network consensus on the UTXO transaction request and verifies the transferor public key and the signature, recording the UTXO transaction on the chain, and realizing the digital asset transfer from the transferor to the receiver.
in the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
(1) The existing block chain can only simply complete the operation of transferring the digital assets on the chain, can not meet the transaction requirements in a real environment, and lacks the process of carrying out the pledge financing transaction on the digital assets on the chain;
(2) the lack of protection for digital asset pledge financing transaction on the chain, the borrower of the transaction cannot guarantee that the financing money paid by the lender in price can be received after initiating the asset pledge financing transaction, and the transaction risk exists;
(3) the method is lack of a complete transaction method for carrying out asset pledge financing and digital currency payment on a chain, and a full-flow intelligent contract design method for independently controlling and completing the whole transaction process by two transaction parties step by step is also lack.
Disclosure of Invention
in view of the above, the embodiments of the present invention provide a chain asset pledge financing system and method for settlement through chain digital currency, where an asset ledger system receives a chain asset pledge instruction from a borrower and then generates a to-be-pledge asset, and a lender asset application terminal system pays the digital currency on the chain and completes a synchronous pledge process of the to-be-pledge asset, thereby implementing a whole-course control of the whole chain asset pledge financing process and reducing a transaction risk.
to achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an on-chain asset pledge financing system through on-chain digital currency settlement, including: a borrower asset application terminal system, an asset account book system and a lender asset application terminal system; the borrower asset application terminal system is used for generating an on-chain asset pledge instruction containing pledged asset information based on the asset type, pledge asset quantity and lender asset ledger address selected and/or input by a borrower, and sending the on-chain asset pledge instruction with the borrower signature to the asset ledger system; the asset ledger system is used for executing a first intelligent contract contained in the pledged asset information so as to verify the on-chain asset pledge instruction with the borrower signature; after the verification is passed, spending the pledged asset information of the corresponding asset type of the borrower according to the pledged asset quantity and generating corresponding pledged asset information; the lender asset application terminal system is used for generating an on-chain digital currency transfer instruction containing information of transferred digital currency based on borrower information and payable digital currency selected and/or input by a lender, and generating a to-be-pledged asset synchronous pledge instruction containing information of to-be-pledged assets according to the on-chain digital currency transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a synchronous pledge instruction of the assets to be pledged to the asset ledger system; wherein the digital currency due is equivalent to the corresponding on-chain asset; the asset ledger system is further configured to execute a second intelligent contract included in the transferred digital currency information and execute a third intelligent contract included in the to-be-pledged asset information, so as to verify the on-chain digital currency transfer instruction with the lender signature and the to-be-pledged asset synchronous pledge instruction respectively; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and simultaneously spending the to-be-pledged asset information and generating pledged asset information corresponding to the lender's asset book address.
optionally, the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;
The borrower asset application terminal system generates an on-chain asset pledge instruction containing pledged asset information, and the instruction comprises the following steps: the borrower digital asset wallet generates an on-chain asset pledge instruction containing pledged asset information and signs the on-chain asset pledge instruction;
the on-chain asset pledge instructions include: the pledge asset information, the to-be-pledge asset information and the recovery asset information; the pledged asset information includes: the property book address of the borrower, the indexed identification of the pledged property, and the first intelligent contract and pledged property quantity for controlling the subsequent transaction of the pledged property.
Optionally, the verifying the on-chain asset pledge command with the borrower signature by the asset ledger system includes:
verifying a signature of the borrower digital asset wallet in the on-chain asset pledge instruction; after the verification of the signature is confirmed to pass,
Searching the address of the obligee of the pledged asset according to the pledged asset information; verifying whether the found authorized person address of the pledged asset is consistent with a user public key corresponding to the borrower signature of the chain asset pledge instruction; and the number of the first and second groups,
Verifying whether the quantity of the found pledged assets is equal to the sum of the quantity of the received pledged assets contained in the information of the pledged assets and the quantity of the received pledged assets contained in the information of the retrieved assets;
If yes, the verification is confirmed to be passed.
Optionally, the borrower digital asset wallet, prior to generating the on-chain asset pledge instructions, is further to: generating on-chain asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface; and sending the on-chain asset query request information with the borrower digital asset wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the chain asset query request information with the borrower digital asset wallet signature, adding the signature to the chain asset query result information after the verification is passed, and returning the chain asset query result information to the borrower digital asset wallet in the borrower asset application terminal system;
The borrower digital asset wallet is further to: and verifying the on-chain asset query result information, and displaying the on-chain asset query result information to the borrower after the verification is passed.
Optionally, prior to the borrower digital asset wallet generating on-chain asset pledge instructions, the borrower digital currency wallet is further to: generating digital currency query request information on a borrower chain according to query requirements input and/or selected by the borrower in an asset query function interface on the chain; and sending a digital currency query request message on the borrower chain with the borrower digital currency wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the digital currency query request information on the borrower chain with the signature of the borrower digital currency wallet, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to the borrower digital currency wallet in the borrower asset application terminal system;
The borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.
Optionally, the lender asset application terminal system includes: lender digital asset wallets, lender digital currency wallets;
The lender asset application terminal system generating an on-chain digital money transfer instruction including information on transferred digital money based on borrower information and digital money to be paid selected and/or input by the lender, comprising:
The lender digital money wallet generating an on-chain digital money transfer instruction containing information on the transferred digital money according to borrower digital money wallet address information and payable digital money selected and/or input by the lender;
the on-chain digital money transfer instructions include: the information of the transferred digital currency, the information of the transferred digital currency and the information of the retrieved digital currency; the transferred digital money information includes: the lender's asset book address, the transferred digital currency index identifier, a second intelligent contract and the amount of transferred digital currency controlling subsequent transactions of the transferred digital currency;
The lender digital currency wallet is further configured to: the on-chain digital money transfer instructions are signed and then the on-chain digital money transfer instructions with the lender digital money wallet signature are sent to the lender digital asset wallet.
Optionally, the generating, by the lender asset application terminal system according to the on-chain digital money transfer instruction, a to-be-pledged asset synchronous pledge instruction including the to-be-pledged asset information includes:
After the lending digital asset wallet receives an on-chain digital money transfer instruction with a lending digital money wallet signature sent by a lending digital money wallet, verifying the lending digital money wallet signature on the on-chain digital money transfer instruction; after the verification is passed, generating a synchronous pledge instruction of the assets to be pledged, which contains the assets to be pledged information, according to the on-chain digital money transfer instruction;
the synchronous pledge instruction of the assets to be pledged comprises: the assets to be pledged, the assets after pledge and the parameters for calling the subsequent transaction of the assets to be pledged; the calling parameter of the subsequent transaction of the assets to be pledged is the execution state of the digital money transfer instruction; the information of the assets to be pledged comprises: the method comprises the steps of identifying assets to be pledged, controlling a third intelligent contract and the quantity of assets to be pledged of subsequent pledges of assets to be pledged, wherein the third intelligent contract comprises verification of pledge triggering conditions of assets to be pledged, and the pledge triggering conditions of assets to be pledged comprise normal pledge triggering conditions and withdrawal rollback triggering conditions;
the lender digital asset wallet is further to: and signing the synchronous pledge instruction of the assets to be pledged, and then sending an on-chain digital currency transfer instruction with the signature of the lender digital currency wallet and the synchronous pledge instruction of the assets to be pledged with the signature of the lender digital asset wallet to the asset book system.
Optionally, the asset ledger system validating the on-chain digital money transfer instruction with the lender digital money wallet signature, comprising:
Verifying the signature of the lender digital money wallet in the on-chain digital money transfer instructions; after the verification of the signature is confirmed to pass,
searching the authorized person address of the transferred digital currency according to the transferred digital currency information; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the lender digital currency wallet signature of the digital currency transfer instruction on the chain; and the number of the first and second groups,
Verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the details of the digital currency asset after the transfer and the amount of digital currency received for the details of the digital currency asset retrieved;
If yes, the verification is confirmed to be passed.
Optionally, the lender digital money wallet, prior to generating on-chain digital money transfer instructions, is further configured to:
generating on-chain asset query request information to be pledged according to query requirements input and/or selected by the lender in an on-chain asset query function interface; sending the inquiry request information of the assets to be pledged on the chain with the lender digital asset wallet signature to the asset ledger system;
the asset ledger system is further for: verifying the chain to-be-pledged asset query request information with the lender digital asset wallet signature, adding the signature to the chain to-be-pledged asset query result information after the verification is passed, and returning the chain to the lender digital asset wallet in the lender asset application terminal system;
the lender digital asset wallet is further to: and verifying the information of the inquiry result of the assets to be pledged on the chain, and displaying the information of the inquiry result of the assets to be pledged on the chain to the lender after the verification is passed.
optionally, the lender digital money wallet, prior to generating the on-chain digital money transfer instructions, is further configured to: generating digital currency query request information on a lender chain according to query requirements input and/or selected by the lender in an asset query function interface on the chain; and sending a digital currency query request message on the lender chain with the lender digital currency wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the digital currency inquiry request information on the lender chain with the signature of the lender digital currency wallet, adding the signature to the digital currency inquiry result information on the lender chain after the verification is passed, and returning to the lender digital currency wallet in the lender asset application terminal system;
the lender digital currency wallet is further configured to: and verifying the digital currency query result information on the lender chain, and displaying the digital currency query result information on the lender chain to the lender after the verification is passed.
optionally, the verifying, by the asset ledger system, the asset synchronous pledge instruction to be pledged with the lender digital asset wallet signature includes:
Verifying the signature of the lender digital asset wallet in the synchronous pledge instruction of the assets to be pledged; after the verification of the signature is confirmed to pass,
Verifying whether the asset account book address of the lender is consistent with the user public key corresponding to the lender digital asset wallet signature of the asset synchronous pledge instruction to be pledged; and the number of the first and second groups,
verifying whether the subsequent transaction calling parameters of the assets to be pledged meet the normal pledge triggering conditions or not;
if so, the verification is confirmed to be passed.
Optionally, the asset ledger system is further configured to: after the on-chain digital money transfer instruction and the synchronous pledge instruction of the assets to be pledged are verified, under the condition that at least one of the two verifications is not passed, the two instructions are cancelled at the same time.
optionally, the borrower asset application terminal system is further configured to: acquiring final chain asset information generated after the pledge of the assets to be pledged is pledged from the asset account book system, and if the final chain asset information contains the pledged asset information, determining that the assets are pledged successfully;
the lender asset application terminal system is further configured to: and acquiring the final chain asset information of the lender after the asset pledge from the asset account book system, and if the final chain asset information of the lender contains the pledged asset information, determining that the asset pledge is successful.
Optionally, the borrower asset application terminal system is further configured to: acquiring final digital currency information generated after digital currency transfer from the asset account book system, and if the transferred digital currency information exists in the final digital currency information, confirming that asset transfer payment is successful;
the lender asset application terminal system is further configured to: and acquiring final digital currency information generated by the borrower after the transferred digital currency is transferred from the asset account book system, and if the transferred digital currency information exists in the asset information on the final chain of the lender, confirming that the asset transfer payment is successful.
Optionally, the lender asset application terminal system is further configured to:
detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the to-be-pledged asset return instruction with the lender signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;
The asset ledger system is further configured to: executing a third intelligent contract contained in the asset information to be pledged of the asset to be pledged return instruction so as to verify the asset to be pledged return instruction on the chain with the lender signature; and after the verification is passed, spending the information of the assets to be pledged and generating return asset information corresponding to the borrower asset book address.
Optionally, the borrower asset application terminal system is further configured to:
Detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the return instruction of the assets to be pledged with the borrower signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;
The asset ledger system is further configured to: executing a third intelligent contract contained in the asset information to be pledged of the asset to be pledged return instruction so as to verify the asset to be pledged return instruction on the chain with the borrower signature; and after the verification is passed, spending the information of the assets to be pledged and generating return asset information corresponding to the borrower asset book address.
Optionally, verifying the to-be-pledged asset return instruction includes:
Verifying the signature of the asset returning instruction to be pledged; and the number of the first and second groups,
Verifying that the waiting time from the generation of the to-be-pledged asset information to the reception of the to-be-pledged asset return instruction meets a withdrawal rollback triggering condition.
Optionally, the asset ledger system is further configured to:
and executing a third intelligent contract contained in the asset information to be pledged to detect whether the withdrawal triggering condition is met or not through the third intelligent contract, if the withdrawal triggering condition is met, spending the asset information to be pledged, and generating withdrawal asset information corresponding to the asset book address of the borrower.
According to another aspect of an embodiment of the present invention, there is provided a method for online pledge financing of assets through online digital currency settlement.
the chain asset pledge financing method through chain digital currency settlement according to the embodiment of the invention comprises the following steps: the borrower asset application terminal system generates an on-chain asset pledge instruction containing pledged asset information based on the asset type, pledge asset quantity and lender asset ledger address selected and/or input by the borrower, and sends the on-chain asset pledge instruction with the borrower signature to the asset ledger system; the asset ledger system executing a first intelligent contract contained in the pledged asset information to verify the on-chain asset pledge instruction with the borrower signature; after the verification is passed, spending the pledged asset information of the corresponding asset type of the borrower according to the pledged asset quantity, and generating the pledged asset information; the lender asset application terminal system generates an on-chain digital money transfer instruction containing information of transferred digital money based on borrower information and payable digital money selected and/or input by the lender, and generates a to-be-pledged asset synchronous pledge instruction containing information of to-be-pledged assets according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a synchronous pledge instruction of the assets to be pledged to the asset ledger system; wherein the on-chain assets of the digital currency payable corresponding to the number of the pledge assets are equivalent; the asset ledger system executes a second intelligent contract contained in the transferred digital currency information and executes a third intelligent contract contained in the to-be-pledged asset information so as to respectively verify the on-chain digital currency transfer instruction with the lender signature and the to-be-pledged asset synchronous pledge instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and simultaneously spending the to-be-pledged asset information and generating pledged asset information corresponding to the lender's asset book address.
One embodiment of the above invention has the following advantages or benefits: the asset account book system receives an on-chain asset pledge instruction from a borrower, executes a first intelligent contract to generate assets to be pledged, the lender asset application terminal system carries out on-chain payment through on-chain digital currency, initiates a digital currency transfer instruction and an on-chain asset synchronous pledge instruction, executes a second intelligent contract and a third intelligent contract by the asset account book system, and simultaneously completes pledge of payable digital currency and assets to be pledged, and generates transferred digital currency and pledged assets; the method realizes the complete transaction process of the chain asset pledge and the chain digital currency payment, simultaneously controls the chain asset pledge and the chain digital currency payment process through the intelligent contract, ensures the synchronous payment of the assets of the borrower needing pledge and the digital currency paid by the lender, and can return the assets to be pledged to the borrower under the condition that the lender does not normally initiate the corresponding chain digital currency transfer instruction within the specified time, thereby greatly reducing the transaction risk.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
drawings
the drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the major subsystems of an on-chain asset pledge financing system through on-chain digital currency settlement in one embodiment of the present invention;
FIG. 2 is a schematic flow chart of the principal process of performing an asset pledge through an on-chain asset pledge financing system for on-chain digital currency settlement in one embodiment of the present invention;
FIG. 3 is a schematic view of the main process flow of the asset pledge through the chain asset pledge financing system of the chain digital currency settlement according to the second embodiment of the present invention;
FIG. 4 is a schematic diagram of the main process flow of asset return through the chain asset pledge financing system of the chain digital currency settlement in the third embodiment of the present invention;
FIG. 5 is a schematic flow chart of the principal process of asset pledge validation through the on-chain asset pledge financing system of on-chain digital currency settlement in a fourth embodiment of the present invention;
Fig. 6 is a schematic flow chart of a method for online pledge financing of assets through online digital currency settlement according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
in the embodiment of the invention, the borrower is a user who initiates the chain asset pledge financing operation; the lender is a user who lends the pledge's on-chain assets and makes a price payment. The borrower and lender have reached the following transaction: a certain amount of the on-chain assets are pledged by the borrower to the lender, and the lender pays the digital money due to the means of on-chain digital money settlement to the borrower. To implement the above-described chain asset pledge and chain digital currency settlement transactions, a blockchain and smart contracts are introduced in embodiments. The intelligent contract is distributed execution software which runs on a block chain shared account book and has the characteristics of automation, mandatory execution and credible safety. After the transaction is initiated, the smart contracts may control the transfer, return, etc. of assets and digital currency on the chain. The specific realization principle is as follows:
The borrower initiates a transaction and gives the chain assets X as pledges to the lender; after receiving an on-chain asset pledge instruction from the borrower, the asset ledger system executes an intelligent contract, changes the on-chain asset X into an asset to be pledged T1, and simultaneously generates a recovery asset T0 (the number of assets of T0 is equal to the number of assets of X minus the number of assets of T1) to the borrower if X is greater than T1; then the lender generates an on-chain digital money transfer instruction and intends to transfer the payable digital money Y to the borrower; meanwhile, the lender generates a synchronous pledge instruction of the assets to be pledged according to the on-chain digital money transfer instruction, and sends the on-chain digital money transfer instruction and the synchronous pledge instruction of the assets to be pledged to the asset account book system; the asset ledger system executes intelligent contracts that transfer payable digital currency, Y, to the borrower while pledging the assets to be pledged, T1, to the borrower. In the implementation process, the transaction process of the two transaction parties (namely the borrower and the lender) is controlled through the intelligent contract, the transaction is safe and reliable, and the transaction risk is prevented.
FIG. 1 is a schematic diagram of the major subsystems of an on-chain asset pledge financing system through on-chain digital currency settlement in one embodiment of the present invention; as shown in fig. 1, a system 100 for online pledge financing of assets via online digital currency settlement according to a first embodiment of the present invention mainly includes:
The borrower asset application terminal system 101 is configured to generate an on-chain asset pledge instruction based on the asset type, pledge asset number, and lender asset ledger address selected and/or input by the borrower, and then send the on-chain asset pledge instruction with the borrower signature to the asset ledger system. Wherein, the on-chain asset pledge instruction comprises: pledge asset information (chain asset information belonging to the borrower and prepared to pledge to the lender), pledge asset information (chain asset information generated after executing an on-chain asset pledge instruction and pledge to the lender), retrieve asset information (chain asset information transferred to the borrower generated after executing an asset pledge instruction when change is required in the asset pledge process), and the like. The borrower asset application terminal system presents an on-chain asset pledge function interface on the terminal device to a user (i.e., the borrower) for the user to enter and/or select asset pledge requirements. After the borrower selects (or inputs) the asset type, the quality-preserving asset quantity and the lender asset book address in the on-chain asset quality preserving function interface, the borrower asset application terminal system can generate an on-chain asset quality preserving instruction; and then, signing the chain asset pledge instruction by using the user private key of the borrower, and sending the chain asset pledge instruction with the signature of the user private key of the borrower to the asset ledger system.
The asset ledger system 102 is configured to execute a first intelligent contract included in the pledged asset information in the on-chain asset pledge instruction to verify the on-chain asset pledge instruction with the borrower signature, and after the verification is passed, spend the pledged asset information of the corresponding asset type of the borrower according to the pledge asset quantity and generate corresponding pledge asset information. The intelligent contract layer execution module of the asset account book system executes verification operation: verifying the signature of the asset pledge instruction on the chain; searching the obligee address of the pledged asset according to pledged asset information, and verifying that the found obligee address of the pledged asset is consistent with a user public key corresponding to the borrower signature of the pledge instruction on the chain asset; and verifying that the quantity of the found pledged assets is equal to the sum of the quantity of the received pledged assets contained in the information of the pledged assets and the quantity of the received pledged assets contained in the information of the retrieved assets. After verification is completed, the intelligent contract layer execution module executes the chain asset pledge instruction, costs pledged assets, and generates assets to be pledged and recovered corresponding to the chain asset pledge instruction.
the meaning of "cost" in "cost a message, generate corresponding B message" can be understood as: and generating a corresponding B message according to the A message, marking the state of the A message as a spent state, and establishing an incidence relation representing the expense with the B message. The meaning of "cost" throughout can be understood as above.
The lender asset application terminal system 103 is used for generating an on-chain digital money transfer instruction corresponding to the payable digital money based on borrower information and payable digital money selected and/or input by the lender, and generating a synchronous pledge instruction of the to-be-pledge asset according to the on-chain digital money transfer instruction; then, sending the on-chain digital money transfer instruction with the lending party signature and the synchronous pledge instruction of the assets to be pledged to the asset account book system; wherein the digital currency due is equivalent to the chain assets corresponding to the number of pledges.
The asset account book system 102 is further configured to execute a second intelligent contract in the transferred digital currency information in the on-chain digital currency transfer instruction and a third intelligent contract in the to-be-pledged asset information in the to-be-pledged asset synchronous pledge instruction, so as to respectively verify the on-chain digital currency transfer instruction with the lending party signature and the to-be-pledged asset synchronous pledge instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and simultaneously spending the to-be-pledged asset information and generating pledged asset information corresponding to the lender's asset book address. The intelligent contract layer execution module of the asset ledger system executes verification operations, including: (1) validating on-chain digital money transfer instructions: verifying the signature of the lender digital money wallet in the on-chain digital money transfer instructions; after the signature verification is confirmed to pass, searching the address of the licensee of the transferred digital currency according to the information of the transferred digital currency; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the lender digital currency wallet signature of the digital currency transfer instruction on the chain; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received by the transferred digital currency asset detail and the amount of digital currency received by the retrieved digital currency asset detail; if yes, the verification is confirmed to be passed. (2) Verifying the synchronous pledge instruction of the assets to be pledged: verifying the signature of the lender digital asset wallet in the synchronous pledge instruction of the assets to be pledged; after the signature verification is confirmed to pass, verifying whether the asset account book address of the lender is consistent with the user public key corresponding to the lender digital asset wallet signature of the asset synchronous pledge instruction to be pledged; and (3) verifying whether the subsequent transaction calling parameters of the assets to be pledged meet the normal pledge triggering conditions or not; if so, the verification is confirmed to be passed. After the verification is passed, the intelligent contract layer execution module executes the on-chain digital currency transfer instruction and the synchronous pledge instruction of the assets to be pledged, costs the transferred digital currency information and generates transferred digital currency information corresponding to the borrower digital currency wallet address, and costs the assets to be pledged and generates pledge asset information corresponding to the lender asset account book address; wherein the borrower digital currency wallet may be in a borrower asset application terminal system.
Fig. 2 is a schematic view of the main process flow of the asset pledge through the chain asset pledge financing system of the chain digital currency settlement according to the first embodiment of the present invention. As shown in fig. 2, a main process of performing asset pledge through an on-chain asset pledge financing system for on-chain digital currency settlement according to a first embodiment of the present invention includes the following steps:
Step S201: and the borrower accesses the borrower asset application terminal system installed on the borrower terminal equipment, submits the identification information according to a preset login identification mode and logs in the borrower asset application terminal system.
the asset application terminal system can be system software which is installed on the terminal equipment and corresponds to the asset ledger system; a user may download and install asset application end system software from an asset hosting system by accessing the asset hosting system. The terminal device may be various electronic devices having a display screen and supporting web browsing, such as a mobile phone, a tablet computer, a desktop computer, and the like. The login identification mode can be a user name and password identification mode, a fingerprint identification mode, a face identification mode and the like, and the corresponding identification information can be: a user name and a password, or an identification code in a preset format corresponding to the user name. The identification code in the preset format may be a password in the form of characters, or may be a biometric identification code, such as a fingerprint, facial information, iris information, etc. of the user.
and after the borrower asset application terminal system identifies the user, determining that the borrower is a user locally associated with a private key of the specific user. The borrower asset application terminal system includes a local security module in which a user private key and a user public key are stored. And the user public key and the user private key are generated by the asset application terminal system locally by adopting an asymmetric encryption algorithm. The user private key can be used for signing data information such as user identity information, user bank card information, user biological identification code information or user identity certificate and the like, and can also be used for signing digital asset information in subsequent asset transaction or financing process so as to confirm ownership of transaction; the user public key can be used for correspondingly verifying the data information signed by the user private key.
It should be noted that during the asset transaction, it may be either a real-name user transaction or an anonymous user transaction. For real-name users, real-name user information may be registered in the asset hosting system corresponding to the asset ledger address where the asset owner is recorded in the asset ledger system. The asset hosting system stores real-name account book records corresponding to the users. The asset hosting system may be a system that hosts registration management of a user to under-link real-name registered assets by designated asset hosting parties and registration management of a process of publishing digital assets on a blockchain by hosted assets, which may be accessed by the user via the Web or otherwise, the process of publishing digital assets including an off-link asset uplink process and an on-link asset downlink process. The method comprises the following steps that firstly, a user is managed by an asset management part, and then the asset management system issues digital assets on a chain to an asset account book system based on a block chain; and (4) performing the on-chain asset downgoing, namely, invalidating the digital assets of the user on the blockchain, and returning and transferring the under-chain managed assets corresponding to the digital assets to the user. The real-name account book record comprises: an identity certificate associated with identity information of a user and an asset ledger address associated with identity information of the user, the identity certificate comprising: the identity of the user and the user public key. The assets on the chain correspond to at least one asset ledger address, and the asset ledger address corresponds to the user public key, so that a user holding the user private key corresponding to the user public key can operate the assets on the chain. The identity certificate may be a CA (certificate Authority) certificate provided for information non-repudiation.
step S202: and the borrower asset application terminal system generates an on-chain asset pledge instruction containing pledged asset information according to the asset type selected by the borrower, the input pledge asset quantity and the asset ledger address of the lender, and then sends the on-chain asset pledge instruction with the borrower signature to an intelligent contract layer execution module of the asset ledger system.
the asset account book system is based on a block chain technology and comprises an intelligent contract layer execution module and a consensus account book layer execution module, wherein the intelligent contract layer execution module is used for receiving a user instruction and executing the instruction; and the consensus ledger layer execution module is used for realizing operations such as verification, inquiry, recording and the like. The on-chain assets in the asset ledger system are identified by an asset sequence number or asset index.
The chain asset pledge instruction refers to an instruction of the borrower for initiating digital asset pledge to the intelligent contract layer execution module for the digital asset which is chained by the borrower. In an alternative embodiment, the on-chain asset pledge instructions include: pledge asset information, retrieval asset information, and the like; in the embodiment, the information can be stored in a list form. The pledged asset information also comprises a pledged asset index identifier used for identifying and specifying when the asset information is retrieved so as to indicate that the pledged asset is identified based on the asset serial number or the asset index mode and not based on the account mode.
In an alternative embodiment, the pledged asset information includes: asset serial number, asset index, pledge asset detail, intelligent contract for controlling subsequent transaction of pledge asset, etc.; the pledge asset details include: the borrower's asset ledger address, the number of pledged assets, etc.; the to-be-pledged asset information includes: asset serial number, asset index, to-be-pledged asset detail, intelligent joining for controlling subsequent pledges of to-be-pledged asset, and the like, wherein the to-be-pledged asset detail comprises: the lender's asset book address, the number of assets received, etc.; retrieving asset information includes: the asset serial number, the asset index, the retrieved asset detail, the intelligent contract for controlling the subsequent transaction of the retrieved asset and the like, wherein the retrieved asset detail comprises the following components: an asset ledger address of the borrower, a quantity of assets received, etc. And the asset account book address of the lender set in the pledge asset detail is the asset account book address corresponding to the user public key of the lender.
it should be noted that the pledged asset information, the pledged asset information and the retrieved asset information may include an intelligent contract for controlling the subsequent transaction, and the intelligent contract includes a trigger condition for the subsequent transaction. If not specifically stated, the intelligent contract is a conventional, non-customized default intelligent contract. The intelligent contract triggering conditions of the asset information to be pledged are two, one is a normal pledge triggering condition, and the other is a withdrawal rollback triggering condition, and can be specifically set according to the agreement of two trading parties.
and the normal pledge triggering condition is that the pledge assets are finally generated into pledged assets which are actually received by the lender. For example, the borrower of both trading parties first pledge the assets on the chain to generate the corresponding assets to be pledged (the assets to be pledged belong to the in-transit state and do not belong to any trading party); setting that the lender can generate the assets to be pledged into the assets after pledge with the asset book address as the lender only after successfully executing the chain payment transaction; specifically, in some embodiments, the lender must initiate an on-chain digital money transfer instruction to the borrower and consider the successful execution as a pre-verification that may serve as a trigger for the lender to pledge the assets to be pledged to the lender as normal pledged assets based on the digital money transfer amount.
The withdrawal of the rollback triggering condition refers to the return of the assets to be pledged to the borrower. For example, the borrower of both trading parties first pledge assets on the chain to generate corresponding assets to be pledged; and setting if the borrower cannot provide payment receipt within a specified time or the lender cannot successfully perform a payment transaction; or setting that the lender fails to initiate a digital money transfer instruction on the chain according to the full amount of the loan, initiating an asset pledge instruction of the pledge according to the amount of the digital money transfer, and executing a new transaction on the remaining balance after the pledge of the pledge if the pledge has a remaining balance, and returning the transaction to the lender.
After the borrower asset application terminal system generates the chain asset pledge instruction, the chain asset pledge instruction is signed by using the user private key of the borrower, and then the chain asset pledge instruction with the user private key signature of the borrower is sent to the intelligent contract layer execution module so as to trigger the intelligent contract layer execution module to execute the intelligent contract contained in the pledge asset information of the chain asset pledge instruction.
Step S203: and an intelligent contract layer execution module of the asset account book system verifies the chain asset pledge instruction, and after the verification is passed, the chain asset pledge instruction is executed.
the implementation process of the verification comprises the following steps: verifying a signature of an on-chain asset pledge instruction for on-chain settlement; searching the owner address of the transferred asset and the quantity of the pledged assets according to the transferred asset information, and verifying that the searched owner address of the pledged assets conforms to the user public key corresponding to the signature of the asset pledge instruction on the chain; and verifying that the quantity of the found pledged assets is equal to the sum of the quantity of the receiving pledged assets of the details of the assets to be pledged and the quantity of the receiving assets of the details of the assets to be retrieved.
The coincidence in the embodiment of the invention means that the result obtained by carrying out hash operation on the public key of the user is the same as the address of the righter to which the asset on the corresponding chain belongs. The chain asset pledge instruction actually comprises a subsequent transaction calling parameter required by executing the intelligent contract of the asset transaction, and the intelligent contract layer execution module executes the intelligent contract in the chain asset pledge instruction after receiving the chain asset pledge instruction. In the embodiment, the verification intelligent contract which can trigger the pledged asset to perform subsequent operation and the execution intelligent contract which generates the operation of the pledged asset information, which are contained in the pledged asset information of the on-chain asset pledge instruction, are called as a first intelligent contract.
the intelligent contract execution process of the pledged assets into the assets to be pledged is as follows: checking the signature of the chain asset pledge instruction by using a first intelligent contract contained in pledge asset information, judging whether the signature meets the specified triggering condition in the first intelligent contract, if so, generating asset information to be pledged according to the chain asset pledge instruction, namely spending the pledge asset, and generating the asset information to be pledged and the recovery asset information corresponding to the chain asset pledge instruction. After the first intelligent contract of the chain asset pledge instruction is executed, converting pledged assets into corresponding assets to be pledged.
Step S204: and an intelligent contract layer execution module of the asset ledger system records execution result information of the asset pledge instruction on the chain to a consensus ledger layer execution module. The intelligent contract layer execution module costs the pledged assets, generates the execution result of the asset information to be pledged and the asset information to be retrieved corresponding to the asset pledge instruction on the chain and records the execution result to the consensus ledger layer execution module.
step S205: and the lender accesses the lender asset application terminal system installed on the lender terminal equipment, submits the identification information according to a preset login identification mode and logs in the lender asset application terminal system. The implementation principle of this step is the same as step S201. The execution order of the present step is not limited in the embodiment, and it may be executed before step S206. And after the lender asset application terminal system identifies the user, determining that the lender is the user locally associated with the private key of the specific user. The lender asset application terminal system also includes a local security module in which user private and public key information is stored.
step S206: the lender asset application terminal system generates an on-chain digital currency transfer instruction based on borrower digital currency wallet address information and payable digital currency selected and/or input by the lender, and generates a synchronous pledge instruction of assets to be pledged according to the on-chain digital currency transfer instruction; and then sending the on-chain digital money transfer instruction with the lender signature and the synchronous pledge instruction of the assets to be pledged to the asset ledger system.
The process of chain payment by digital currency is: the lender asset application terminal system generates an on-chain digital money transfer instruction based on borrower digital money wallet address information and payable digital money selected and/or input by the lender, the on-chain asset equivalent to the amount of the pledge asset. A second smart contract contained in the transferred digital currency information in the on-chain digital currency transfer instructions, operable to control subsequent transactions of the transferred digital currency; wherein the transferred digital currency information needs to include a transferred digital currency index identifier to indicate that the transferred digital currency is identified based on a currency mode and not based on an account mode.
The synchronous pledge instruction of the assets to be pledged is a pledge instruction which indicates that the borrower can initiate the pledge instruction to the intelligent contract execution layer module and aims at the assets to be pledged, and the instruction is used for triggering the execution of a third intelligent contract (an intelligent contract which changes the assets to be pledged into the assets after pledge) contained in the assets to be pledged.
In an alternative embodiment, the pledge asset synchronization pledge instruction comprises: the information of the assets to be pledged, the information of the assets after pledge, the calling parameters of the subsequent transaction of the assets to be pledged and the like. The parameter to be called for the subsequent transaction of the pledged asset is a parameter which needs to be called when the third intelligent contract contained in the pledged asset information is executed, and the parameter can be a digital money transfer instruction on a successful execution chain of a lender; the assets information after the pledge refers to final assets generated after executing the intelligent contract contained in the assets information to be pledged; the pledge asset information also comprises pledge asset index identification used for identification designation when the asset information is retrieved so as to indicate that the pledge asset is identified based on the asset serial number or the asset index mode, but not based on the account mode.
In an embodiment, the post-mortgage asset information includes: the detailed assets after the pledge, the intelligent combination for controlling the follow-up transaction of the assets after the pledge and the like, wherein the detailed assets after the pledge comprises: the method comprises the steps of identifying the asset account book address of the lender, the asset index identification after the pledge, receiving the pledge asset quantity and the like, and controlling the verification of pledge asset return or settlement triggering conditions in an intelligent contract of subsequent transaction of pledge assets. It should be noted that the pledge asset information also includes an intelligent contract for subsequent transaction, and the intelligent contract includes a trigger condition for the subsequent transaction and verification of the trigger condition.
Step S207: an intelligent contract layer execution module of the asset account book system respectively verifies the on-chain digital money transfer instruction and the synchronous pledge instruction of assets to be pledged; and after the verification is passed, executing the on-chain digital money transfer instruction and the synchronous pledge instruction of the assets to be pledged.
the implementation process of the verification comprises the following steps: (1) validating on-chain digital money transfer instructions: verifying the signature of the lender digital money wallet in the on-chain digital money transfer instructions; after the signature verification is confirmed to pass, searching the address of the licensee of the transferred digital currency according to the information of the transferred digital currency; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the lender signature of the digital currency transfer instruction on the chain; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received by the transferred digital currency asset detail and the amount of digital currency received by the retrieved digital currency asset detail; if yes, confirming that the verification is passed;
(2) Verifying the synchronous pledge instruction of the assets to be pledged: verifying the signature of the lender digital asset wallet in the synchronous pledge instruction of the assets to be pledged; after the signature verification is confirmed to pass, verifying whether the asset account book address of the lender is consistent with the user public key corresponding to the lender digital asset wallet signature of the asset synchronous pledge instruction to be pledged;
(3) And verifying whether the subsequent transaction calling parameters of the assets to be pledged meet the normal pledge triggering condition or not, and if so, confirming that the verification is passed. In this embodiment, the normal pledge trigger condition may be: the system is configured to verify successful execution after commissioning of the on-chain digital money transfer instruction with the debit digital money wallet signature.
after the verification is passed, the intelligent contract layer execution module executes the on-chain digital currency transfer instruction and the synchronous pledge instruction of the assets to be pledged, costs the transferred digital currency information and generates transferred digital currency information corresponding to the on-chain digital currency wallet address of the borrower, and simultaneously costs the assets to be pledged and generates pledge asset information corresponding to the asset account book address of the lender; in some embodiments, the borrower's on-chain digital currency wallet belongs to the borrower asset application terminal system.
It should be noted that after verifying the chain digital money transfer command and the to-be-pledged asset synchronous pledge command, the asset ledger system may be further configured to cancel the two commands at the same time when at least one of the two verifications fails, that is, the asset ledger system does not update the execution results of the two commands.
the transferred digital currency information of the on-chain digital currency transfer instructions actually contains a second smart contract that triggers a subsequent transaction of the transferred digital currency;
the synchronous pledge command of the pledge assets actually comprises a subsequent transaction calling parameter required by the intelligent contract for executing the asset transaction, and the intelligent contract layer execution module executes the intelligent contract in the synchronous pledge command of the pledge assets after receiving the synchronous pledge command of the pledge assets. The intelligent contract included in the asset information to be pledged is referred to as a third intelligent contract in the embodiment.
The intelligent contract execution process of the transferred digital currency into transferred digital currency and the pledged assets into pledged assets at the same time comprises the following steps:
And checking whether the subsequent transaction calling parameters of the assets to be pledged contained in the assets to be pledged synchronous pledged instruction meet the specified normal pledged triggering condition in the third intelligent contract or not by using a third intelligent contract contained in the assets to be pledged information, if the specified normal pledged triggering condition is met, generating the assets to be pledged information according to the assets to be pledged synchronous pledged instruction, namely spending the assets to be pledged, and generating the pledged assets information corresponding to the assets to be pledged synchronous pledged instruction. After the third intelligent contract of the synchronous pledge instruction of the pledge assets is executed, finishing final pledge of the pledge assets;
simultaneously, controlling the transferred digital currency to be transferred into post-transfer digital currency corresponding to the asset account book address of the borrower by using a second intelligent contract contained in the transferred digital currency information;
wherein, the specified normal pledge trigger condition may be: and after the lender successfully executes the digital currency transfer instruction on the chain, the execution result is used as a calling parameter to be transmitted to a third intelligent contract of the assets to be pledged for verification, and the result passing the verification is used as a normal pledged triggering condition.
It should be noted that in the application scenario of pledge financing, although pledge asset information includes the asset ledger address of the lender, the intelligent contract for controlling the subsequent transaction of pledge asset specifies that the lender only has the right to pay due or pay due for pledge asset, so that the lender cannot transfer, pledge, etc. the pledge asset, but only can pay for pledge asset return or pledge asset return.
Step S208: and an intelligent contract layer execution module of the asset account book system records the execution result information of the synchronous pledge instruction of the assets to be pledged and the on-chain digital money transfer instruction to an execution module of a common account book layer. The intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the borrower's on-chain digital currency wallet address; (2) simultaneously spending the assets information to be pledged and generating assets information after pledge corresponding to the assets book address of the lender;
in the process, the asset ledger system controls the synchronous updating of the execution results of the two instructions.
Example two: before the transaction, the two parties of the transaction need to do some preparation work, such as logging in the respective asset application terminal systems, inquiring the respective held chain assets, and the like. In the second embodiment, the borrower inquires the chain assets held by the borrower through the asset application terminal system of the borrower, so that the borrower can select the asset types and input the number of the pledge assets based on the acquired chain asset inquiry result information; the borrower asset application terminal system can comprise a borrower digital asset wallet and a borrower digital currency wallet. The lender inquires whether the asset account book system generates corresponding to-be-pledged asset information through the asset application terminal system of the lender, so that the lender can start to carry out the under-chain payment; wherein, the lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets. The concrete implementation is as follows:
Fig. 3 is a schematic view of the main process flow of the asset pledge through the chain asset pledge financing system of the chain digital currency settlement according to the second embodiment of the present invention. As shown in fig. 3, the main process of performing asset pledge through the chain asset pledge financing system of the second embodiment of the present invention includes the following steps:
step S301: and the borrower accesses the borrower asset application terminal system installed on the borrower terminal equipment, submits the identification information according to a preset login identification mode and logs in the borrower asset application terminal system. This step is the same as the implementation of step S201.
The following steps S302 to S304 are the process of the borrower user querying and obtaining the on-chain asset query result information:
step S302: the borrower asset application terminal system displays an on-chain asset query function interface to the borrower on the borrower terminal device, generates on-chain asset query request information for a borrower digital asset wallet in the borrower asset application terminal system according to query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sends the on-chain asset query request information with a borrower digital asset wallet signature to a consensus ledger layer execution module of the asset ledger system.
the borrower enters an on-chain asset query function interface provided by the borrower asset application terminal system, and the on-chain asset query function interface is used for inputting and/or selecting query requirements by a user and jointly forms on-chain asset query request information initiated by the borrower. The on-chain asset query request information refers to a request that the borrower can initiate digital asset query on the digital assets which are linked up by the borrower. In an alternative embodiment, the on-chain asset query request information includes: an asset ledger address and a query requirement corresponding to the borrower.
Query requirements refer to some limiting factors that may be used by a user to perform an on-chain asset query. In an alternative embodiment, the query requirement includes: query conditions and query results. The query condition may be any one or more of the following: asset number, asset class, asset status, etc. Wherein the asset status comprises: active state, frozen state, disabled state, etc.
The query results may be any one or more of the following: the method comprises the following steps of asset quantity, asset details, initial block information, terminal block information, asset transaction history records, managed asset storage information corresponding to the initial block, managed asset storage information corresponding to the terminal block and the like. The initial block information includes: initial block number, asset serial number, managed asset registration index information, managed asset description information, rights holder address, number of asset issuing units, number of valid asset units. The termination block information includes: a list of terminated initial block records corresponding to the terminating block, a terminating block number, and updated hosted asset registration index information with storage service system signature. The managed asset retention information may be considered comprehensive managed asset information stored in the storage service system that is related to the return of the down-link asset hosting up-link or the down-link asset hosting down-link, and that proves that the asset hosting party is the authorized person of the managed asset, and in alternative embodiments, the managed asset retention information includes: the paper document is electronic or purely electronic certificate information (such as an electronic signature archive or a result queried by an asset right registration system).
This step is used to enable the borrower asset application terminal system to initiate an operation to query the asset information on the chain. The specific implementation may be the corresponding function of the digital asset wallet of the borrower asset application terminal system accessed by the borrower. It should be noted that if the asset query request information on the chain includes the asset class, only the asset on the chain corresponding to the asset class is queried; and if the asset type is not contained in the on-chain asset query request information, querying the on-chain assets corresponding to all the asset types.
Step S303: and the consensus ledger layer execution module of the asset ledger system verifies the on-chain asset query request information, and after the verification is passed, adds a signature to the on-chain asset query result information corresponding to the asset ledger address of the borrower and returns the on-chain asset query result information to the borrower asset application terminal system.
Wherein the verifying the content comprises: the signature of the asset query request information on the chain is verified.
The on-chain asset query result information includes: on-chain asset query request information with borrower digital asset wallet signature, asset class, list of on-chain unspent asset information, list of valid initial chunk information corresponding to the unspent assets on the chain, etc. The information on the non-spent assets on the chain includes: the owner's address, the asset class, the number of assets, etc. The address of the authorized person of each chain of the non-spent asset information in the chain non-spent asset information list is the same as the asset account book address of the transferor in the chain asset query request information. The valid initial block information includes: chain hosted asset issuance information, chain hosted asset registration index information, and the like.
step S304: and the asset application terminal system of the transferor verifies the signature of the asset query result information on the chain, and displays the asset query result information on the chain to the transferor after the verification is passed. The transferor selects the asset type according to the displayed on-chain asset query result information, and initiates an on-chain asset pledge request for settlement through on-chain digital currency after inputting the pledge asset quantity and the lender's asset book address.
The following steps S305 to S307 are the process of the borrower user inquiring and obtaining the borrower chain digital currency inquiry request information:
Step S305: the borrower asset application terminal system displays an on-chain digital currency query function interface to the borrower on the borrower terminal device, a borrower digital currency wallet in the borrower asset application terminal system generates digital currency query request information on the borrower chain according to query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sends the on-chain digital currency query request information with the borrower digital asset wallet signature to a consensus ledger layer execution module of the asset ledger system.
the borrower chain digital currency lookup request may include: digital currency wallet address information on the borrower chain; if the request contains a digital currency class number, only that class of digital currency may be queried, otherwise all types of digital currency are queried. In particular, in a cross-border scenario, a chain may be queried for multiple digital currencies.
Step S306: and a consensus ledger layer execution module of the asset ledger system verifies the digital currency query request information on the borrower chain, and after the verification is passed, adds a signature to the on-chain digital currency query result information corresponding to the digital currency wallet address on the borrower chain and returns the on-chain digital currency query result information to the borrower asset application terminal system.
Wherein the verifying the content comprises: the signature of the digital currency inquiry request information on the borrower chain is verified.
The borrower chain digital currency query result may include: inquiry request information with borrower digital currency wallet signature, digital currency type, list of digital currency information not spent on the chain, list of valid initial block information corresponding to the digital currency type number, etc. The licensee address information for each of the list of outstanding digital currency information in the chain is the same as the borrower chain digital currency wallet address information in the inquiry request.
Step S307: and the borrower asset application terminal system verifies the signature of the digital currency query result information on the borrower chain, and displays the digital currency query result information on the borrower chain to the borrower after the verification is passed. The borrower can know the current held digital currency according to the displayed digital currency query result information on the borrower chain, and then the amount of the held digital currency is conveniently checked after the complete chain asset pledge process is successfully finished.
in some embodiments, the borrower user's chronological relationship between the asset information on the query chain and the digital currency information on the borrower chain may be uncertain and may even be queried in parallel.
In particular, the process of querying the borrower chain digital currency, steps S305 to S307, is optional, since the chain digital currency itself can query the transaction track.
step S308: after the borrower digital asset wallet in the borrower asset application terminal system receives the on-chain asset pledge request in the step S304, an on-chain asset pledge instruction containing pledge asset information is generated according to the asset type selected by the borrower, the input pledge asset quantity and the asset book address of the lender, and then the on-chain asset pledge instruction with the borrower signature is sent to an intelligent contract layer execution module of the asset book system. This step is the same as the implementation process of step S202.
Step S309: and the intelligent contract layer execution module of the asset account book system executes the first intelligent contract contained in the pledged asset information in the step S308 so as to verify the chain asset pledge instruction, and after the chain asset pledge instruction passes the verification, the pledged asset information of the corresponding asset type of the borrower is spent according to the pledged asset quantity, and the pledged asset information is generated. This step is the same as the implementation of step S203.
step S310: and an intelligent contract layer execution module of the asset ledger system records execution result information of the asset pledge instruction on the chain to a consensus ledger layer execution module. This step is the same as the implementation of step S204.
Step S311: and the lender accesses the lender asset application terminal system installed on the lender terminal equipment, submits the identification information according to a preset login identification mode and logs in the lender asset application terminal system. The implementation principle of this step is the same as that of step S205. In the embodiment, the execution order of the step is not limited, and it may be executed before step S312.
The following steps S312 to S314 are the process of the lender user inquiring and obtaining the inquiry result information of the chain assets to be pledged:
Step S312: the lender asset application terminal system displays an on-chain asset query function interface to the lender on the lender terminal device, generates on-chain to-be-pledged asset query request information according to the query requirement input and/or selected by the lender in the on-chain asset query function interface, and then sends the on-chain to-be-pledged asset query request information with the lender signature to a consensus ledger layer execution module of the asset ledger system.
The inquiry request information of the assets to be pledged on the chain can be a request which is initiated to the asset ledger system by a lender digital asset wallet in the lender asset application terminal system and is used for inquiring the assets to be pledged which come from the borrower and have the assets after pledge with the address of the assets ledger as the assets to be pledged. In an alternative embodiment, the on-chain pending pledge asset query request information includes: and (4) the asset account book address and the query requirement corresponding to the lender.
The step is used for enabling the lender to initiate the on-chain to-be-pledged asset query operation by the lender asset application terminal system. The specific implementation may be the corresponding function of the digital asset wallet of the lender's asset application terminal system accessed by the lender. It should be noted that if the asset type is included in the query request information of the assets to be pledged on the chain, only the assets to be pledged corresponding to the asset type are queried; and if the asset type is not contained in the asset query request information to be pledged on the chain, querying assets to be pledged corresponding to all asset types.
step S313: and the consensus ledger layer execution module of the asset ledger system verifies the information of the asset query request to be pledged on the chain, and after the verification is passed, adds a signature to the information of the query result of the asset to be pledged on the corresponding chain and sends the information to the lender asset application terminal system.
wherein the verifying the content comprises: and verifying the signature of the information of the asset query request to be pledged on the chain.
The information of the inquiry result of the assets to be pledged on the chain comprises: the chain with the lender digital asset wallet signature comprises inquiry request information of assets to be pledged, asset types, a list of asset information to be pledged, a list of valid initial block information corresponding to the assets to be pledged, and the like. And the address information of the authorized person of each asset information in the list of the asset information which is not spent on the chain and is to be pledged is the same as the address information of the lender asset account book user in the query request.
step S314: and the lender asset application terminal system verifies the signature of the information of the asset query result to be pledged on the chain, and displays the information of the asset query result to be pledged on the chain to the lender after the verification is passed. And verifying the signature of the inquiry result information of the assets to be pledged on the chain by using a public key of the execution module of the common account book layer.
the following steps S315 to S317 are procedures for the lender user to inquire and obtain the lender chain digital currency inquiry result information:
step S315: the lender asset application terminal system displays an on-chain digital currency query function interface to the lender on the borrower terminal device, generates digital currency query request information on the lender chain according to query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sends the on-chain digital currency query request information with the signature of the lender digital currency wallet to a consensus ledger layer execution module of the asset ledger system.
The lender chain digital currency lookup request may include: digital currency wallet address information on the lender chain; if the request contains a digital currency class number, only that class of digital currency may be queried, otherwise all types of digital currency are queried. In particular, in a cross-border scenario, a chain may be queried for multiple digital currencies.
Step S316: and the consensus ledger layer execution module of the asset ledger system verifies the digital currency query request information on the lender chain, and after the verification is passed, adds a signature to the digital currency query result information on the lender chain corresponding to the digital currency wallet address on the lender chain and returns the result to the lender asset application terminal system.
wherein the verifying the content comprises: the signature of the digital currency inquiry request information on the lender chain is verified.
the lender chain digital currency query results may include: inquiry request information carrying out debit digital currency wallet signature, digital currency type, list of digital currency information not spent on the chain, list of valid initial block information corresponding to the digital currency type number, and the like. The licensee address information for each of the list of outstanding digital currency information in the chain is the same as the debit chain digital currency wallet address information in the inquiry request.
Step S317: and the lender asset application terminal system verifies the signature of the digital currency query result information on the lender chain, and displays the digital currency query result information on the lender chain to the lender after the verification is passed. And verifying the signature of the digital currency inquiry result information on the lending chain by using a public key of the execution module of the common account book layer.
in some embodiments, the lender user may not be sure of the precedence relationship between the asset information to be pledged on the lender user query chain and the digital currency information on the lender chain, or may even query in parallel.
step S318: and the lender initiates an on-chain digital money transfer operation request according to the information of the assets to be pledged, the quantity of the assets to be pledged and the digital money to be payable of the synchronous pledge triggering condition corresponding to the assets to be pledged, which are contained in the on-chain asset query result information displayed by the lender asset application terminal system, so as to carry out on-chain payment.
Step S319: the lender digital money wallet generates an on-chain digital money transfer instruction containing information on the digital money to be transferred according to the on-chain digital money transfer operation request, signs the on-chain digital money transfer instruction, and sends the signed on-chain digital money transfer instruction to the lender digital asset wallet. In this embodiment, the second smart contract included in the transferred digital currency information may trigger a subsequent transaction of the transferred digital currency.
step S320: and after the lender digital asset wallet verifies the signature of the digital money transfer instruction on the chain, generating a synchronous pledge instruction of the assets to be pledged according to the instruction.
The command for synchronizing the pledge assets comprises the following steps: the information of the assets to be pledged, the information of the assets after pledge, the calling parameters of the subsequent transaction of the assets to be pledged and the like. The parameter for calling the subsequent transaction of the assets to be pledged is a parameter which needs to be called when a third intelligent contract contained in the information of the assets to be pledged is executed; the pledge asset information refers to a final pledge asset generated after executing an intelligent contract included in the pledge asset information. After the lender digital asset wallet generates a synchronous pledge instruction of the pledge assets, signing the synchronous pledge instruction of the pledge assets by using a private key of a lender digital asset wallet user; then, sending an on-chain digital money transfer instruction with the private key signature of the lending digital money wallet user and a synchronous pledge instruction of assets to be pledged with the private key signature of the lending digital asset wallet user to an intelligent contract layer execution module so as to trigger the intelligent contract layer execution module to execute the on-chain digital money transfer instruction and the synchronous pledge instruction of the assets to be pledged;
wherein, regarding the parameters for the subsequent transaction of the assets to be pledged, in some embodiments, the parameters may be:
The lender uses the execution result of the on-chain digital currency transfer instruction as the calling parameter of the third intelligent contract of the assets to be pledged, and the object of the synchronous pledge instruction operation of the assets to be pledged is the assets to be pledged, therefore, after the asset ledger system executes the on-chain digital currency transfer instruction, the execution result is used as the calling parameter to call the third intelligent contract of the assets to be pledged for verification, and after the verification is passed, the synchronous pledge instruction of the assets to be pledged is executed.
step S321: an intelligent contract layer execution module of the asset account book system respectively verifies the on-chain digital money transfer instruction and the synchronous pledge instruction of assets to be pledged; after the verification is passed, executing the on-chain digital currency transfer instruction and the synchronous pledge instruction of the pledge asset, spending the transferred digital currency information, generating the transferred digital currency information corresponding to the on-chain digital currency wallet address of the borrower, spending the pledge asset information at the same time, and generating the pledge asset information corresponding to the asset account address of the lender. The specific implementation of this step is the same as step S207.
Step S322: and an intelligent contract layer execution module of the asset account book system records the execution result information of the digital money transfer instruction on the chain and the execution result information of the synchronous pledge instruction of the assets to be pledged to the consensus account book layer execution module. Namely, the intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the borrower's on-chain digital currency wallet address; (2) and simultaneously spending the asset information to be pledged and generating pledged asset information corresponding to the lender's asset book address.
Example three: if the borrower has initiated an asset pledge transaction and forms a pledge asset at the asset ledger system, but the lender has not made a price payment within a preset time, the asset ledger system may withdraw the pledge asset back to the borrower. The rollback operation may be implemented in two ways: the first method is as follows: and detecting the third intelligent contract at regular time, and automatically executing a transfer transaction of returning the assets to be pledged to the borrower by the third intelligent contract once the withdrawal rollback triggering condition is met. The second method comprises the following steps: and the borrower initiates a chain to-be-pledged asset returning instruction, the third intelligent contract checks a withdrawing triggering condition, if the chain to-be-pledged asset returning instruction is met, the chain to-be-pledged asset returning instruction is executed to generate returning asset information corresponding to the borrower asset book address, and the to-be-pledged asset is returned to the borrower.
fig. 4 is a schematic diagram of the main process flow of returning the assets to be pledged through the chain asset pledge financing system of the chain digital currency settlement in the third embodiment of the present invention. As shown in fig. 4, the main process of returning the assets to be pledged through the chain asset pledge financing system of the chain digital currency settlement in the third embodiment of the present invention includes the following steps:
step S401: the lender asset application terminal system detects whether the on-chain digital money transfer instruction is successfully executed within a preset time; under the condition that the on-chain digital money transfer instruction is not successfully executed, or a lender fails to initiate the on-chain digital money transfer instruction and initiates a synchronous pledge instruction of assets to be pledged according to the digital money transfer amount, and under the condition that the pledge assets have a balance, a balance return instruction of the assets to be pledged with the lender signature is sent to the asset ledger system;
specifically, when the on-chain digital money transfer instruction is not successfully executed or when the to-be-pledged asset information has an un-rolled balance, the on-chain to-be-pledged asset return instruction with the lending party signature and containing the to-be-pledged asset information is sent to an intelligent contract layer execution module of the asset ledger system. And the return instruction of the assets to be pledged on the chain is used for returning the assets to be pledged to the borrower. In a preferred embodiment, the on-chain pending pledge asset return directive includes: the information of the assets to be pledged, the balance of the assets to be pledged, the parameters for calling the subsequent transaction of the assets to be pledged, the information of returned assets and the like. Here, the parameter for calling the subsequent transaction of the assets to be pledged may be null, the return operation in the third intelligent contract included in the information of the assets to be pledged is directly called, and the third intelligent contract checks whether the condition for triggering the return cancellation is satisfied (generally, the waiting time reaches the preset time threshold). The returned asset information includes: the borrower's asset book address, the returned asset index identification, the returned asset quantity, etc., wherein the returned asset quantity is the quantity of assets to be pledged contained in the assets to be pledged information.
Step S402: and the intelligent contract layer execution module of the asset ledger system executes a third intelligent contract contained in the asset information to be pledged in the step S401 to verify the asset return instruction to be pledged on the chain with the borrower signature, and after the verification is passed, expends the asset information to be pledged and generates return asset information corresponding to the asset ledger address of the borrower. The verification content comprises the following steps: verifying lender signatures of the return instructions of the assets to be pledged on the chain; and verifying that the waiting time from the generation of the to-be-pledged asset information to the receiving of the to-be-pledged asset return instruction on the chain meets the withdrawal rollback triggering condition. And after the intelligent contract layer execution module of the asset account book system verifies that the return instruction of the assets to be pledged on the chain is completed, the intelligent contract layer execution module executes the return instruction of the assets to be pledged on the chain, expends the information of the assets to be pledged, and generates return asset information corresponding to the asset account book address of the borrower.
In addition, a return instruction of the chain to-be-pledged assets can also be initiated by the borrower asset application terminal system. In this case, step S401 is: and the borrower asset application terminal system detects whether the on-chain digital money transfer instruction is successfully executed within preset time, and sends the to-be-pledged asset return instruction with the lender signature to the asset account book system under the condition that the on-chain digital money transfer instruction is not successfully executed or the lender fails to initiate the on-chain digital money transfer instruction and initiates a to-be-pledged asset pledge instruction according to the digital money transfer amount, and the to-be-pledged asset return instruction with the lender signature is sent to the asset account book system under the condition that the to-be-pledged asset has a balance. The processing of the asset ledger system on the return instruction of the assets to be pledged on the chain is the same as the step S402, and the details are not repeated here.
The intelligent contract execution process for generating the returned assets by the pledge assets comprises the following steps: and checking whether the subsequent transaction calling parameter of the assets to be pledged, which is contained in the assets to be pledged return instruction on the chain, meets the withdrawal triggering condition specified in the third intelligent contract or not (or checking whether the withdrawal triggering condition is met or not according to the return operation in the third intelligent contract) by using a third intelligent contract contained in the assets to be pledged information, and if the specified withdrawal triggering condition is met, generating the returned assets information according to the assets to be pledged return instruction on the chain. The return asset information may also include default smart contracts for subsequent transactions.
example four: after the borrower completes the step S310, and after the lender completes the step S322, the lender may query the on-chain asset information (i.e., the on-chain assets held by the borrower and the lender after the query transaction is completed) through the respective asset application terminal systems to confirm that the asset pledge is successful. Referring to steps S302 to S304, the process of the lender querying the asset information on the chain is the same as the query principle of the borrower. And if the asset information after the pledge exists in the final chain asset information, the asset pledge is successful. The specific implementation process is as follows:
Fig. 5 is a schematic view of the main flow of confirmation of asset pledge payment through an on-chain asset pledge system for on-chain digital currency settlement according to the fourth embodiment of the present invention. As shown in fig. 5, the main process of performing asset pledge financing payment confirmation through the on-chain asset pledge system for on-chain digital currency settlement in the fourth embodiment of the present invention includes the following steps:
step S501: and the borrower asset application terminal system acquires final on-chain asset information generated after the quality deposit of the to-be-pledged assets is performed from a common account book layer execution module of the asset account book system, and if the final on-chain asset information contains the after-pledge asset information corresponding to the lender asset account book address, the assets are confirmed to be successfully pledged. Under the condition that the borrower knows the pledged assets or the pledged assets, the borrower can inquire the pledged assets generated after the pledged assets are traded and finally link asset information after trading through the pledged assets generated after the pledged assets are traded. Therefore, if the assets information on the final chain inquired out has the assets information after the mortgage corresponding to the borrower assets book address, the assets mortgage is confirmed to be successful.
step S502: and the lender asset application terminal system acquires the final chain asset information of the lender after the asset pledge from the common account book layer execution module of the asset account book system, and if the final chain asset information of the lender contains the post-pledge asset information, the asset pledge is confirmed to be successful. On the block chain, the asset information after the pledge can be directly inquired by the asset account book address of the lender. In the embodiment, the execution sequence of step S501 and step S502 is not limited, and step S502 may be executed first, and then step S501 is executed.
Fig. 6 is a schematic flow chart of a method for online pledge financing of assets through online digital currency settlement according to an embodiment of the present invention. In one embodiment of the invention as shown in fig. 6, the terminal system for online asset pledge financing through online digital currency settlement generates an online asset pledge command based on the asset type selected and/or input by the borrower, the pledge asset number and the lender's asset book address, and then sends the online asset pledge command with the borrower signature to the asset book system. Wherein, the on-chain asset pledge instruction comprises: pledge asset information, retrieval asset information, and the like. The borrower asset application terminal system presents an on-chain asset pledge function interface on the terminal device to a user (i.e., the borrower) for the user to enter and/or select asset pledge requirements. After the borrower selects (or inputs) the asset type, the quality-preserving asset quantity and the lender asset book address in the on-chain asset quality preserving function interface, the borrower asset application terminal system can generate an on-chain asset quality preserving instruction; and then, signing the chain asset pledge instruction by using the user private key of the borrower, and sending the chain asset pledge instruction with the signature of the user private key of the borrower to the asset ledger system.
step S602: and the asset ledger system executes a first intelligent contract contained in the pledged asset information to verify the on-chain asset pledge instruction with the borrower signature, and after the verification is passed, the pledged asset information of the corresponding asset type of the borrower is spent according to the pledged asset quantity, and corresponding pledged asset information is generated. The intelligent contract layer execution module of the asset account book system executes verification operation: verifying the signature of the asset pledge instruction on the chain; searching the obligee address of the pledged asset according to pledged asset information, and verifying that the found obligee address of the pledged asset is consistent with a user public key corresponding to the borrower signature of the pledge instruction on the chain asset; and verifying that the quantity of the found pledged assets is equal to the sum of the quantity of the received pledged assets contained in the information of the assets to be pledged and the quantity of the received assets contained in the information of the assets to be retrieved. After verification is completed, the intelligent contract layer execution module executes the chain asset pledge instruction, costs pledged assets, and generates assets to be pledged and recovered corresponding to the chain asset pledge instruction.
step S603: the lender asset application terminal system generates an on-chain digital money transfer instruction containing information of transferred digital money based on borrower information and payable digital money selected and/or input by the lender, and generates a to-be-pledged asset synchronous pledge instruction containing information of to-be-pledged assets according to the on-chain digital money transfer instruction; then, sending the on-chain digital money transfer instruction with the lending party signature and the synchronous pledge instruction of the assets to be pledged to the asset account book system; wherein the digital currency and the pledge are due for equal prices on the chain of assets.
step S604: the asset ledger system executing a second smart contract contained in the transferred digital currency information to validate the on-chain digital currency transfer instruction with the lender signature, spending the transferred digital currency information upon validation passing, and generating post-transfer digital currency information corresponding to the borrower's on-chain digital currency wallet address; and simultaneously, the system is also used for executing a third intelligent contract contained in the asset information to be pledged so as to verify the asset synchronous pledge instruction with the lender signature, spend the asset information to be pledged after the verification is passed, and generate the asset information after pledge corresponding to the asset account book address of the lender.
according to the technical scheme of the embodiment of the invention, after receiving an on-chain asset pledge instruction from a borrower, an asset ledger system executes a first intelligent contract to generate assets to be pledged, a lender asset application terminal system carries out on-chain payment through on-chain digital money, initiates a digital money transfer instruction and an on-chain asset synchronous pledge instruction, executes a second intelligent contract and a third intelligent contract by the asset ledger system, and simultaneously completes transfer of payable digital money and pledge of the assets to be pledged, and generates transferred digital money and pledged assets; the method realizes the complete transaction process of the chain asset pledge and the chain digital currency payment, simultaneously controls the chain asset pledge and the chain digital currency payment process through the intelligent contract, ensures the synchronous payment of the assets of the borrower needing pledge and the digital currency paid by the lender, and can return the assets to be pledged to the borrower under the condition that the lender does not normally initiate the corresponding chain digital currency transfer instruction within the specified time, thereby greatly reducing the transaction risk.
the above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (19)

1. An on-chain asset pledge financing system settled by on-chain digital currency, comprising: a borrower asset application terminal system, an asset account book system and a lender asset application terminal system; wherein the content of the first and second substances,
the borrower asset application terminal system is used for generating an on-chain asset pledge instruction containing pledged asset information based on the asset type, pledge asset quantity and lender asset ledger address selected and/or input by the borrower and sending the on-chain asset pledge instruction with the borrower signature to the asset ledger system;
the asset ledger system is used for executing a first intelligent contract contained in the pledged asset information so as to verify the on-chain asset pledge instruction with the borrower signature; after the verification is passed, spending the pledged asset information of the corresponding asset type of the borrower according to the pledged asset quantity and generating corresponding pledged asset information;
The lender asset application terminal system is used for generating an on-chain digital currency transfer instruction containing information of transferred digital currency based on borrower information and payable digital currency selected and/or input by a lender, and generating a to-be-pledged asset synchronous pledge instruction containing information of to-be-pledged assets according to the on-chain digital currency transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a synchronous pledge instruction of the assets to be pledged to the asset ledger system; wherein the digital currency due is equivalent to the corresponding on-chain asset;
The asset ledger system is further configured to execute a second intelligent contract included in the transferred digital currency information and execute a third intelligent contract included in the to-be-pledged asset information, so as to verify the on-chain digital currency transfer instruction with the lender signature and the to-be-pledged asset synchronous pledge instruction respectively; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and simultaneously spending the to-be-pledged asset information and generating pledged asset information corresponding to the lender's asset book address.
2. the system of claim 1, wherein the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;
The borrower asset application terminal system generates an on-chain asset pledge instruction containing pledged asset information, and the instruction comprises the following steps: the borrower digital asset wallet generates an on-chain asset pledge instruction containing pledged asset information and signs the on-chain asset pledge instruction;
the on-chain asset pledge instructions include: the pledge asset information, the to-be-pledge asset information and the recovery asset information; the pledged asset information includes: the property book address of the borrower, the indexed identification of the pledged property, and the first intelligent contract and pledged property quantity for controlling the subsequent transaction of the pledged property.
3. The system of claim 2,
The asset ledger system verifies the on-chain asset pledge instruction with the borrower signature, including:
Verifying a signature of the borrower digital asset wallet in the on-chain asset pledge instruction; after the verification of the signature is confirmed to pass,
searching the address of the obligee of the pledged asset according to the pledged asset information; verifying whether the found authorized person address of the pledged asset is consistent with a user public key corresponding to the borrower signature of the chain asset pledge instruction; and the number of the first and second groups,
Verifying whether the quantity of the found pledged assets is equal to the sum of the quantity of the received pledged assets contained in the information of the pledged assets and the quantity of the received pledged assets contained in the information of the retrieved assets;
if yes, the verification is confirmed to be passed.
4. the system of claim 3, wherein the borrower digital asset wallet, prior to generating on-chain asset pledge instructions, is further configured to:
generating on-chain asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface; and sending the on-chain asset query request information with the borrower digital asset wallet signature to the asset ledger system;
The asset ledger system is further configured to: verifying the chain asset query request information with the borrower digital asset wallet signature, adding the signature to the chain asset query result information after the verification is passed, and returning the chain asset query result information to the borrower digital asset wallet in the borrower asset application terminal system;
the borrower digital asset wallet is further to: and verifying the on-chain asset query result information, and displaying the on-chain asset query result information to the borrower after the verification is passed.
5. The system of claim 2, wherein prior to the borrower digital asset wallet generating on-chain asset pledge instructions, the borrower digital currency wallet is further configured to:
Generating digital currency query request information on a borrower chain according to query requirements input and/or selected by the borrower in an asset query function interface on the chain; and sending a digital currency query request message on the borrower chain with the borrower digital currency wallet signature to the asset ledger system;
The asset ledger system is further configured to: verifying the digital currency query request information on the borrower chain with the signature of the borrower digital currency wallet, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to the borrower digital currency wallet in the borrower asset application terminal system;
the borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.
6. The system of claim 2, wherein said lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets;
The lender asset application terminal system generates an on-chain digital money transfer instruction based on borrower information and payable digital money selected and/or input by the lender, and includes:
The lender digital money wallet generates a chain digital money transfer instruction according to borrower digital money wallet address information and payable digital money selected and/or input by the lender;
the on-chain digital money transfer instructions include: the information of the transferred digital currency, the information of the transferred digital currency and the information of the retrieved digital currency; the transferred digital money information includes: the lender's asset book address, the transferred digital currency index identifier, a second intelligent contract and the amount of transferred digital currency controlling subsequent transactions of the transferred digital currency;
The lender digital currency wallet is further configured to: the on-chain digital money transfer instructions are signed and then the on-chain digital money transfer instructions with the lender digital money wallet signature are sent to the lender digital asset wallet.
7. The system of claim 6, wherein the lender asset application terminal system generating a to-be-pledged asset synchronous pledge instruction containing the transferred digital currency information according to the on-chain digital currency transfer instruction comprises:
After the lending digital asset wallet receives an on-chain digital money transfer instruction with a lending digital money wallet signature sent by a lending digital money wallet, verifying the lending digital money wallet signature on the on-chain digital money transfer instruction; after the verification is passed, generating a synchronous pledge instruction of assets to be pledged, which contains the information of the transferred digital currency, according to the on-chain digital currency transfer instruction;
The synchronous pledge instruction of the assets to be pledged comprises: the assets to be pledged, the assets after pledge and the parameters for calling the subsequent transaction of the assets to be pledged; the calling parameter of the subsequent transaction of the assets to be pledged is the execution state of the digital money transfer instruction; the information of the assets to be pledged comprises: the method comprises the steps of identifying assets to be pledged, controlling a third intelligent contract and the quantity of assets to be pledged of subsequent pledges of assets to be pledged, wherein the third intelligent contract comprises verification of pledge triggering conditions of assets to be pledged, and the pledge triggering conditions of assets to be pledged comprise normal pledge triggering conditions and withdrawal rollback triggering conditions;
The lender digital asset wallet is further to: and signing the synchronous pledge instruction of the assets to be pledged, and then sending an on-chain digital currency transfer instruction with the signature of the lender digital currency wallet and the synchronous pledge instruction of the assets to be pledged with the signature of the lender digital asset wallet to the asset book system.
8. The system of claim 7, wherein the asset ledger system validating the on-chain digital money transfer instruction with the lender digital money wallet signature comprises:
verifying the signature of the lender digital money wallet in the on-chain digital money transfer instructions; after the verification of the signature is confirmed to pass,
Searching the authorized person address of the transferred digital currency according to the transferred digital currency information; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the lender digital currency wallet signature of the digital currency transfer instruction on the chain; and the number of the first and second groups,
Verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the details of the digital currency asset after the transfer and the amount of digital currency received for the details of the digital currency asset retrieved;
if yes, the verification is confirmed to be passed.
9. the system of claim 8, wherein the lender digital money wallet, prior to generating the on-chain digital money transfer instructions, is further configured to:
generating on-chain asset query request information to be pledged according to query requirements input and/or selected by the lender in an on-chain asset query function interface; sending the inquiry request information of the assets to be pledged on the chain with the lender digital asset wallet signature to the asset ledger system;
the asset ledger system is further for: verifying the chain to-be-pledged asset query request information with the lender digital asset wallet signature, adding the signature to the chain to-be-pledged asset query result information after the verification is passed, and returning the chain to the lender digital asset wallet in the lender asset application terminal system;
the lender digital asset wallet is further to: and verifying the information of the inquiry result of the assets to be pledged on the chain, and displaying the information of the inquiry result of the assets to be pledged on the chain to the lender after the verification is passed.
10. the system of claim 8, wherein the lending digital money wallet, prior to generating the on-chain digital money transfer instructions, is further configured to:
Generating digital currency query request information on a lender chain according to query requirements input and/or selected by the lender in an asset query function interface on the chain; and sending a digital currency query request message on the lender chain with the lender digital currency wallet signature to the asset ledger system;
The asset ledger system is further configured to: verifying the digital currency inquiry request information on the lender chain with the signature of the lender digital currency wallet, adding the signature to the digital currency inquiry result information on the lender chain after the verification is passed, and returning to the lender digital currency wallet in the lender asset application terminal system;
the lender digital currency wallet is further configured to: and verifying the digital currency query result information on the lender chain, and displaying the digital currency query result information on the lender chain to the lender after the verification is passed.
11. The system of claim 8, wherein the asset ledger system validates the pledge instructions for synchronizing assets with lender digital asset wallet signatures, comprising:
verifying the signature of the lender digital asset wallet in the synchronous pledge instruction of the assets to be pledged; after the verification of the signature is confirmed to pass,
verifying whether the asset account book address of the lender is consistent with the user public key corresponding to the lender digital asset wallet signature of the asset synchronous pledge instruction to be pledged; and the number of the first and second groups,
Verifying whether the subsequent transaction calling parameters of the assets to be pledged meet the normal pledge triggering conditions or not;
if so, the verification is confirmed to be passed.
12. The system of claim 11,
the asset ledger system is further for: after the on-chain digital money transfer instruction and the synchronous pledge instruction of the assets to be pledged are verified, under the condition that at least one of the two verifications is not passed, the two instructions are cancelled at the same time.
13. the system according to any one of claims 1 to 12,
the borrower asset application terminal system is further configured to: acquiring final chain asset information generated after the pledge of the assets to be pledged is pledged from the asset account book system, and if the final chain asset information contains the pledged asset information, determining that the assets are pledged successfully;
The lender asset application terminal system is further configured to: and acquiring the final chain asset information of the lender after the asset pledge from the asset account book system, and if the final chain asset information of the lender contains the pledged asset information, determining that the asset pledge is successful.
14. the system according to any one of claims 1 to 12,
the borrower asset application terminal system is further configured to: acquiring final digital currency information generated after digital currency transfer from the asset account book system, and if the transferred digital currency information exists in the final digital currency information, confirming that asset transfer payment is successful;
The lender asset application terminal system is further configured to: and acquiring final digital currency information generated by the borrower after the transferred digital currency is transferred from the asset account book system, and if the transferred digital currency information exists in the asset information on the final chain of the lender, confirming that the asset transfer payment is successful.
15. the system of claim 1, wherein the lender asset application terminal system is further configured to:
Detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the to-be-pledged asset return instruction with the lender signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;
The asset ledger system is further configured to: executing a third intelligent contract contained in the asset information to be pledged of the asset to be pledged return instruction so as to verify the asset to be pledged return instruction on the chain with the lender signature; and after the verification is passed, spending the information of the assets to be pledged and generating return asset information corresponding to the borrower asset book address.
16. The system of claim 1, wherein the borrower asset application terminal system is further configured to:
Detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the return instruction of the assets to be pledged with the borrower signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;
the asset ledger system is further configured to: executing a third intelligent contract contained in the asset information to be pledged of the asset to be pledged return instruction so as to verify the asset to be pledged return instruction on the chain with the borrower signature; and after the verification is passed, spending the information of the assets to be pledged and generating return asset information corresponding to the borrower asset book address.
17. the system of claim 15 or 16, wherein verifying the pledge asset return directive comprises:
verifying the signature of the asset returning instruction to be pledged; and the number of the first and second groups,
Verifying that the waiting time from the generation of the to-be-pledged asset information to the reception of the to-be-pledged asset return instruction meets a withdrawal rollback triggering condition.
18. the system of claim 7, wherein the asset ledger system is further configured to:
and executing a third intelligent contract contained in the asset information to be pledged to detect whether the withdrawal triggering condition is met or not through the third intelligent contract, if the withdrawal triggering condition is met, spending the asset information to be pledged, and generating withdrawal asset information corresponding to the asset book address of the borrower.
19. A method for online pledge financing of assets through online digital currency settlement, comprising:
The borrower asset application terminal system generates an on-chain asset pledge instruction containing pledged asset information based on the asset type, pledge asset quantity and lender asset ledger address selected and/or input by the borrower, and sends the on-chain asset pledge instruction with the borrower signature to the asset ledger system;
The asset ledger system executing a first intelligent contract contained in the pledged asset information to verify the on-chain asset pledge instruction with the borrower signature; after the verification is passed, spending the pledged asset information of the corresponding asset type of the borrower according to the pledged asset quantity, and generating the pledged asset information;
the lender asset application terminal system generates an on-chain digital money transfer instruction containing information of transferred digital money based on borrower information and payable digital money selected and/or input by the lender, and generates a to-be-pledged asset synchronous pledge instruction containing information of to-be-pledged assets according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a synchronous pledge instruction of the assets to be pledged to the asset ledger system; wherein the on-chain assets of the digital currency payable corresponding to the number of the pledge assets are equivalent;
the asset ledger system executes a second intelligent contract contained in the transferred digital currency information and executes a third intelligent contract contained in the to-be-pledged asset information so as to respectively verify the on-chain digital currency transfer instruction with the lender signature and the to-be-pledged asset synchronous pledge instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and simultaneously spending the to-be-pledged asset information and generating pledged asset information corresponding to the lender's asset book address.
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