CN110599138A - On-chain pledge asset partial repayment system and method through on-chain settlement - Google Patents

On-chain pledge asset partial repayment system and method through on-chain settlement Download PDF

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Publication number
CN110599138A
CN110599138A CN201910717989.0A CN201910717989A CN110599138A CN 110599138 A CN110599138 A CN 110599138A CN 201910717989 A CN201910717989 A CN 201910717989A CN 110599138 A CN110599138 A CN 110599138A
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asset
pledge
borrower
information
chain
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孟江华
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Individual
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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

The invention discloses a chain pledge asset partial repayment system and method through chain settlement, and relates to the technical field of digital assets. One embodiment of the method comprises: the borrower asset application terminal system initiates an on-chain digital currency part transfer instruction, the asset account book system executes the on-chain digital currency part transfer instruction, and transferred digital currency information is generated; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces the transaction risk.

Description

On-chain pledge asset partial repayment system and method through on-chain settlement
Technical Field
The invention relates to the technical field of digital assets, in particular to a chain pledge asset partial payment system and a chain pledge asset partial payment method through chain 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 processes of repayment of the digital assets on the chain through digital currency on the chain and return of the pledge assets after pledge financing;
(2) the protection of the online digital asset financing and repayment transaction process is lacked, and after a borrower of the transaction repays the assets under the chain, the lender cannot be guaranteed to return the pledge assets, so that the transaction risk exists;
(3) the interactive capability of the operation under the chain is lacked, all the operations can only be completed on the closed chain, the process of repayment on the chain and returning of the pledge assets on the chain cannot be supported, and the transaction risk of the whole process cannot be controlled.
Disclosure of Invention
In view of this, an embodiment of the present invention provides a chain pledge asset part repayment system through chain settlement, which can initiate a chain digital currency part transfer instruction by a borrower asset application terminal system, execute the chain digital currency part transfer instruction by an asset ledger system, and generate transferred digital currency information; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces the transaction risk.
To achieve the above objects, according to one aspect of the embodiments of the present invention, there is provided a chain pledge property part payment system through chain settlement.
The system for repayment of the chain pledge asset part through chain settlement comprises the following components: a borrower asset application terminal system and an asset ledger system; wherein the content of the first and second substances,
the borrower asset application terminal system is used for generating an on-chain digital currency part transfer instruction containing the information of the transferred digital currency based on the amount of the digital currency to be returned and the lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;
the asset ledger system for executing a first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
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 digital currency portion transfer instruction comprising: the borrower digital currency wallet generates an on-chain digital currency portion transfer instruction;
the on-chain digital money portion transfer instructions include: the transferred digital currency information, the retrieved digital currency information and the pledge asset information;
wherein the transferred digital currency information comprises: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment.
Optionally, the asset ledger system validating the on-chain digital currency portion transfer instructions with the borrower digital currency wallet signature, comprising:
verifying the borrower digital currency wallet signature in the on-chain digital currency section 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 borrower signature of the digital currency partial 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 on-chain digital money portion transfer instructions further comprise: calling parameters for subsequent trading of the pledge assets; the subsequent trading call parameter of the pledge asset is the trading information of the partial repayment;
the second intelligent contract in the pledge asset information comprises verification of a first trigger condition of subsequent transaction of the pledge asset, and the first trigger condition of the subsequent transaction of the pledge asset comprises a return trigger condition of the pledge asset;
the asset ledger system validating the on-chain digital currency portion transfer instructions, further comprising: judging whether the subsequent transaction calling parameters of the pledge assets meet the returning triggering conditions of the pledge assets or not;
and under the condition that the pledge asset return triggering condition is met, carrying out pledge asset return operation.
Optionally, a pledge asset return operation is performed, comprising:
the borrower digital asset wallet generates a pledge asset return instruction containing pledge asset information according to the pledge asset information; the pledge asset return instructions include: the pledge asset information, the pledge return asset information; the borrower digital asset wallet is further to: signing the pledge asset returning instruction, and then sending the pledge asset returning instruction with the borrower digital asset wallet signature to the asset ledger system; alternatively, the first and second electrodes may be,
and the asset ledger book system performs automatic pledge asset returning operation according to the pledge asset information.
Optionally, the asset ledger system is further configured to: executing a second intelligent contract contained in the pledge asset information of the pledge asset returning instruction so as to verify the pledge asset returning instruction with the borrower signature; and after the verification is passed, spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset book address.
Optionally, the asset ledger system verifies the pledge return instruction with the borrower digital asset wallet signature, comprising:
verifying the signature of the borrower digital asset wallet in the pledge return instruction; after the verification of the signature is confirmed to pass,
verifying whether the asset account book address of the borrower is consistent with a user public key corresponding to the borrower digital asset wallet signature of the pledge asset return instruction;
determining the repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the repayment amount of the pledge asset reaches the repayment condition of the pledge asset;
if so, the verification is confirmed to be passed.
Optionally, the borrower digital money wallet, prior to generating the on-chain digital money portion transfer instructions, 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 borrower signature, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to a 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 system further comprises: lender asset application terminal systems; the lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets;
before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital money wallet further 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 borrower digital asset wallet, prior to generating the on-chain digital currency portion transfer instructions, is further configured to:
generating borrower pledge asset repayment condition query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface; and transmitting borrower pledge asset repayment condition 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 borrower pledge asset repayment condition inquiry request information with the borrower signature, adding the signature to pledge asset repayment condition inquiry result information after the verification is passed, and returning to a borrower digital asset wallet in the borrower asset application terminal system;
the borrower digital asset wallet is further to: verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the borrower after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.
Optionally, before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital asset wallet is further configured to:
generating lender pledge asset repayment condition query request information according to query requirements input and/or selected by the lender in the on-chain asset query function interface; and transmitting lender pledge asset repayment condition query request information with the lender digital asset wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the lender pledge asset repayment condition query request information with the lender signature, adding the signature to pledge asset repayment condition query result information and returning to a lender digital asset wallet in the lender asset application terminal system after the verification is passed;
the lender digital asset wallet is further to: and verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the lender after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.
Optionally, the borrower asset application terminal system is further configured to:
generating first pledge returned asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface, and then sending the first pledge returned asset query request information with the borrower signature to the asset book system;
the asset ledger system is further configured to: verifying the pledge returned asset query request information with the borrower signature, and after the verification is passed, adding the signature to the first pledge returned asset information and returning the first pledge returned asset information to the borrower asset application terminal system;
the borrower asset application terminal system is further configured to: and verifying the pledge return asset information, and displaying pledge asset return success information to the borrower after the verification is passed.
Optionally, the lender asset application terminal system is further configured to:
generating second pledge returned asset query request information according to the query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sending the second pledge returned asset query request information with the lender signature to the asset book system;
the asset ledger system is further configured to: verifying the pledge returned asset query request information with the lender signature, and after the verification is passed, adding the signature to the pledge returned asset information and returning the pledge returned asset information to the borrower asset application terminal system;
the borrower asset application terminal system is further configured to: verifying the second pledge returned asset information, and displaying pledge asset returning success information to the lender after the verification is passed
According to another aspect of an embodiment of the present invention, there is provided a method for partial payment of an on-chain pledge asset through on-chain settlement.
The method for repayment of the chain pledge asset part through chain settlement comprises the following steps: the borrower asset application terminal system generates a chain digital currency part transfer instruction based on the amount of the digital currency to be returned and lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system; the asset ledger system executing a first smart contract contained in transferred digital currency information of the on-chain digital currency portion transfer instructions to validate the on-chain digital currency portion transfer instructions with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
One embodiment of the above invention has the following advantages or benefits: initiating an on-chain digital currency part transfer instruction by a borrower asset application terminal system, executing the on-chain digital currency part transfer instruction by an asset account book system, and generating transferred digital currency information; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces 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 a chain pledge asset partial payment system through chain settlement in one embodiment of the present invention;
FIG. 2 is a schematic diagram of the main process flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement according to the first embodiment of the present invention;
FIG. 3 is a schematic diagram of the main process flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement according to the second embodiment of the present invention;
FIG. 4 is a schematic diagram of the main flow of a pledge return asset query via a chain-settled chain pledge asset partial repayment system according to a third embodiment of the present invention;
FIG. 5 is a schematic diagram of the main flow of a pledge return asset query via a chain-settled chain pledge asset partial repayment system according to a fourth embodiment of the present invention;
fig. 6 is a schematic flow chart of a method for repayment of a portion of an online pledge asset through online 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 first embodiment of the invention, the borrower is a user who initiates a transfer instruction of the digital currency part on the chain to carry out repayment operation; the lender is a user who receives the repayment of the digital currency on the chain and corresponds to the pledge asset address. Based on the pledge financing transaction that the borrower and the lender have already agreed upon, they also agree upon the following transactions: the borrower performs the operation of repayment of the debt to the lender through the digital currency on the chain, and when the debt to the lender is settled out in the last repayment operation, the operation of returning the pledge assets corresponding to the settled out debt of the borrower to the borrower is completed in the asset book system. In order to realize the above-mentioned on-chain digital currency repayment and on-chain pledge asset return transaction, a blockchain and an intelligent contract are introduced in the embodiment. 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 intelligent contract can control the safe and reliable completion of the return of the chain pledge assets and other operations according to the result of the chain repayment. The specific realization principle is as follows:
the borrower initiates an on-chain digital currency repayment operation, generates a digital currency transfer instruction and sends the digital currency transfer instruction to the asset ledger system; the asset ledger system verifies the digital money transfer instructions, and executes the digital money transfer instructions after the verification is passed, and transfers the digital money to the lender under the control of the intelligent contract. In the implementation process, the transaction process 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 a chain pledge asset partial payment system through chain settlement in one embodiment of the present invention; as shown in fig. 1, a chain pledge asset partial payment system 100 according to a first embodiment of the present invention mainly includes:
the borrower asset application terminal system 101 is used for generating an on-chain digital money part transfer instruction containing the information of the transferred digital money based on the amount of the digital money to be returned and the lender information selected and/or input by the borrower; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system 102.
The borrower asset application terminal system 101 initiates online pledge asset part repayment request information through online settlement based on lender account information and amount due selected and/or input by the borrower in the user interface; the amount of the digital currency returned in one repayment operation can be smaller than the financing repayment amount corresponding to all the pledge assets; the borrower asset application terminal system 101 generates an on-chain digital currency part transfer instruction according to the return request information and signs the instruction; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system.
The asset ledger system 102 for executing the first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
The intelligent contract layer execution module of the asset account book system executes verification operation, and the verification operation comprises the following steps:
verifying the borrower digital currency wallet signature in the on-chain digital currency section 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 borrower signature of the digital currency partial 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.
After the verification is passed, the intelligent contract layer execution module executes the chain digital currency part transfer instruction, spends the transferred digital currency information and generates the transferred digital currency information corresponding to the lender, and meanwhile, updates the transaction information of partial repayment to the pledge asset information of the asset ledger system.
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.
Fig. 2 is a schematic view of a main flow of the pledge asset return through a chain pledge asset partial repayment system with chain settlement according to an embodiment of the present invention. . As shown in fig. 2, a main process of repayment of the chain pledge property part through chain settlement in the 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 is 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. 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: the borrower asset application terminal system carries out on-chain payment through digital currency, and generates an on-chain digital currency part transfer instruction based on the returned digital currency quantity and lender information selected and/or input by the borrower; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system. The amount of the returned digital currency in one transfer operation can be smaller than the financing repayment amount corresponding to all the pledge assets.
In an alternative embodiment, the on-chain digital money portion transfer instructions include: the transferred digital currency information, the transferred digital currency information and the digital currency information are retrieved; the transferred digital money information includes: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; wherein, the transferred digital currency information needs to contain a transferred digital currency index identifier to indicate that the transferred digital currency is identified based on the mode of currency and not based on the account mode;
the process of chain payment by digital currency is: the borrower asset application terminal system generates an on-chain digital currency portion transfer instruction based on the lender digital currency wallet address information and the payable digital currency selected and/or entered by the borrower. The first smart contract contained in the transferred digital currency information in the on-chain digital currency portion transfer instructions may control subsequent transactions of the transferred digital currency.
Step S203: and an intelligent contract layer execution module of the asset account book system verifies the partial transfer instruction of the digital currency on the chain, after the verification is passed, the transferred digital currency information is spent, the transferred digital currency information corresponding to the lender is generated, and meanwhile, the transaction information of partial repayment is updated to the pledge asset information of the asset account book system.
Wherein the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment; a pledge asset index identifier for identifying a designation when retrieving asset information to indicate that the pledge asset is identified based on an asset serial number or a schema of the asset index, and not based on an account schema; the transaction information of partial repayment can be used for calculating the unpaid amount of the pledge assets, and further used for subsequent judgment.
In particular, the asset ledger system executes a first smart contract contained in the transferred digital currency information of the on-chain digital currency portion transfer instruction to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and the transferred digital currency is transferred to the lender.
Validating the digital money portion transfer instructions on the chain includes: verifying a signature of said borrower digital money wallet in a digital money portion transfer instruction on a chain; 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 a user public key corresponding to the borrower digital currency wallet signature of the digital currency partial 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 so, the digital currency portion transfer instructions on the validation chain are confirmed to pass.
Step S204: and an intelligent contract layer execution module of the asset account book system records execution result information of the transfer instruction of the digital currency part on the chain to a consensus account book layer execution module, and updates transaction information of partial repayment to pledge asset information of the asset account book system. The information on the results of the execution of the on-chain digital money portion transfer instructions includes: spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the lender. And meanwhile, updating the transaction information of partial repayment to the pledge asset information of the asset ledger system.
Example two: on the basis of the first embodiment, when the borrower needs to perform a plurality of times of digital money transfer operations to complete the settlement of all the debts, after step S203 is executed in the second embodiment, when the transaction information of part of the repayment in the pledge asset information meets the normal trigger condition of pledge asset return, the pledge asset return operation is performed, which includes: (1) the borrower initiates a pledge asset returning instruction, and the asset ledger system executes the instruction to return pledges; or, (2) the asset ledger system automatically executes the pledge asset return operation.
Taking the above-mentioned pledge asset returning operation (1) as an example, specifically: the borrower generates a pledge asset return instruction according to the last digital money transfer instruction, and simultaneously sends the last digital money transfer instruction and the pledge asset return instruction to the asset ledger system, and the asset ledger system verifies and executes the two instructions. Wherein, the normal triggering conditions for returning the pledge asset can be: determining the non-repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the amount of the transferred digital currency does not exceed the non-repayment amount of the pledge asset; after the digital currency quantity is confirmed to be not exceeded, judging whether the transferred digital currency quantity is equivalent to the unpaid amount of the pledge asset; if yes, the pledge assets return triggering condition can be considered to be met.
The specific implementation process is as follows:
fig. 3 is a schematic view of the main flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement according to the second embodiment of the present invention. As shown in fig. 3, the main process of returning the pledge asset through the chain pledge asset partial repayment system of the chain settlement in the second embodiment of the present invention includes the following steps:
step S301: the borrower generates a final digital money transfer instruction based on the amount of remaining returned digital money selected and/or entered by the borrower and the lender information, and then sends the final digital money transfer instruction with the borrower signature to the asset ledger system. This step is the same as the implementation process of step S202.
Step S302: and an intelligent contract layer execution module of the asset account book system verifies the last digital currency transfer instruction, after the verification is passed, the transferred digital currency information is spent, the transferred digital currency information corresponding to the lender is generated, and meanwhile, the transaction information of partial repayment is updated to the pledge asset information of the asset account book system. This step is the same as the implementation of step S203.
Step S303: the borrower asset application terminal system generates a pledge asset returning instruction according to the pledge asset information under the condition that the borrower determines the subsequent transaction calling parameters of the pledge asset according to the partial repayment transaction information in the inquired pledge asset information, namely the partial repayment transaction information meets the pledge asset returning triggering condition; and send the pledge asset return instruction with the borrower signature to the asset ledger system. Wherein the pledge asset return instructions may be generated by a digital asset wallet in the borrower asset application terminal system.
Wherein, judge whether partial repayment transaction information satisfies the pledge asset repayment trigger condition, can be: determining the unpaid amount of the pledged asset according to the transaction information of the partial repayment, and judging whether the amount of the transferred digital currency is equivalent to the unpaid amount of the pledged asset; if yes, the pledge assets return triggering condition can be considered to be met.
Step S304: an intelligent contract layer execution module of the asset account book system verifies a pledge asset returning instruction, and after the verification is passed, the pledge asset information is spent and pledge returning asset information corresponding to the asset account book address of the borrower is generated;
specifically, the asset ledger system executes a second intelligent contract contained in the pledge asset information of the pledge asset return instruction to verify the pledge asset return instruction with the borrower signature; and after the verification is passed, spending the pledge asset information, generating pledge return asset information corresponding to the asset account book address of the borrower, and returning the pledge asset to the borrower.
The verification process comprises the following steps: verifying pledge asset return instructions: verifying a signature of the borrower digital asset wallet in a pledge return instruction; after the signature verification is confirmed to pass, verifying whether the asset account book address of the borrower is consistent with the user public key corresponding to the borrower digital asset wallet signature of the pledge asset return instruction; determining the repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the repayment amount of the pledge asset reaches the repayment condition of the pledge asset;
if yes, the verification is confirmed to be passed.
Step S305: and an intelligent contract layer execution module of the asset account book system records the execution result information of the final digital money transfer instruction and the pledge asset return instruction to an account book layer execution module. The intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the last transferred digital currency information and generating last transferred digital currency information corresponding to the lender; (2) and simultaneously spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset ledger address.
In the process, the asset ledger system controls the synchronous updating of the execution results of the two instructions.
Example three: 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 third embodiment, the borrower inquires and obtains the pledge asset information corresponding to the asset account book address of the borrower through the asset application terminal system of the borrower, so that the borrower can initiate the offline repayment payment according to the amount payable based on the inquired pledge asset information and pledge asset returning triggering conditions corresponding to the pledge asset. Similarly, the lender can also inquire and obtain the pledge asset information corresponding to the asset account book address of the lender through the asset application terminal system of the lender. The concrete implementation is as follows:
fig. 4 is a schematic view of the main flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement in the third embodiment of the present invention. As shown in fig. 4, a main process of returning the pledge asset through the chain pledge asset partial repayment system of the chain settlement in the third embodiment of the present invention includes the following steps:
step S401: 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.
Step S402: 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. In the embodiment, the execution order of the step is not limited, and it may be executed before step S406. 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.
The following steps S403 to S405 are processes of the borrower user inquiring and obtaining the digital currency inquiry request information on the borrower chain:
step S403: 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 S404: 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 S405: 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 can be conveniently checked after the returning process of the pledge assets on the complete chain is successfully finished.
The borrower selects the digital currency type according to the displayed inquiry result information of the digital currency on the chain, and initiates a repayment request of the chain pledge asset part through the settlement of the digital currency on the chain after inputting the quantity of the transferred digital currency and the digital currency wallet address of the lender.
Steps S406 to S408 are a process in which the lender user inquires and obtains the digital money inquiry request information on the lender chain, and the principle of implementation is the same as steps S403 to S405.
In some embodiments, the precedence relationship between the digital currency information on the borrower user query chain and the digital currency information on the lender user query chain may be uncertain and may even be queried in parallel.
The following steps S409 to S411 are processes in which the borrower user inquires and obtains the pledge asset repayment condition information:
step S409: the borrower asset application terminal system displays a pledge asset repayment condition query function interface on borrower terminal equipment to a borrower, generates borrower pledge asset repayment condition query request information according to query requirements input and/or selected by the borrower in the pledge asset repayment condition query function interface, and then sends the borrower pledge asset repayment condition query request information with borrower digital asset wallet signatures to a common account book layer execution module of an asset account book system.
The borrower pledge asset repayment inquiry request may include: digital asset wallet address information on the borrower chain; if the request contains an on-chain asset class number, then only the on-chain assets of that class may be queried, otherwise all types of on-chain assets are queried. In particular, in a cross-border scenario, a chain may be queried for a variety of asset information.
Step S410: and the consensus ledger layer execution module of the asset ledger system verifies the borrower pledge asset repayment condition query request information, and after the verification is passed, adds a signature to the pledge asset repayment condition query result information corresponding to the digital asset wallet address on the borrower chain and returns the pledge asset repayment condition query result information to the borrower asset application terminal system. Wherein the verifying the content comprises: and verifying the signature of the inquiry request information of the borrowing party pledge asset repayment condition.
The pledge asset repayment condition query result can include: the debit digital asset wallet signature comprises inquiry request information with debit digital asset wallet signature, digital asset type, and repayment amount and non-repayment amount of the pledge asset determined according to the transaction information of the partial repayment.
Step S411: verifying the signature of the digital asset query result information on the borrower chain by the borrower asset application terminal system, and displaying the pledge asset repayment condition query result information to the borrower after the verification is passed; and updating the pledge asset repayment condition inquiry result information into the pledge asset information. The borrower can know the pledge asset repayment condition according to the displayed pledge asset repayment condition query result information, and then can know the current self repayment condition or progress.
The following steps S412 to S414 are processes of the lender user inquiring and obtaining the information of the pledge property repayment condition, and the implementation principle is the same as the steps S403 to S405.
In some embodiments, the precedence relationship between the borrower user's query for the pledge asset repayment information and the lender user's query for the pledge asset repayment information may be uncertain, or may even be queried in parallel.
Step S415: after the borrower digital money wallet in the borrower asset application terminal system receives the on-chain pledge asset part repayment request through on-chain digital money settlement in step S405, an on-chain digital money part transfer instruction is generated according to the digital money category selected by the borrower, the input transfer digital money amount, and the lender' S digital money wallet address. In this embodiment, the first smart contract included in the transferred digital currency information in the digital currency portion transfer instructions on the chain may trigger a subsequent transaction of the transferred digital currency.
The amount of the digital currency returned in one repayment operation can be smaller than the financing repayment amount corresponding to all the pledge assets;
step S416: an intelligent contract layer execution module of the asset account book system verifies a digital currency part transfer instruction on a chain; after the verification is passed, executing a digital currency part transfer instruction on the chain, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender; and meanwhile, updating the transaction information of partial repayment to the pledge asset information of the asset ledger system. The specific implementation of this step is the same as step S203.
Step S417: when the borrower determines the subsequent transaction calling parameters of the pledge assets according to the partial repayment transaction information in the inquired pledge asset information, namely under the condition that the partial repayment transaction information does not meet the pledge asset returning triggering condition, the intelligent contract layer execution module of the asset ledger system records the execution result information of the linked digital currency partial transfer instruction to the common ledger layer execution module, and meanwhile, updates the partial repayment transaction information to the pledge asset information of the asset ledger system. The information on the results of the execution of the on-chain digital money portion transfer instructions includes: spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the lender.
Step S418: when the borrower determines the subsequent transaction calling parameters of the pledge asset according to the partial repayment transaction information in the inquired pledge asset information, namely under the condition that the partial repayment transaction information meets the pledge asset returning triggering condition, the borrower digital asset wallet generates pledge asset returning instructions according to the pledge asset information; and send the pledge asset return instruction with the borrower signature to the asset ledger system. The specific implementation of this step is the same as step S303.
Step S419: an intelligent contract layer execution module of the asset account book system verifies a pledge asset return instruction; and after the verification is passed, executing a pledge asset return instruction, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset account book address. The specific implementation of this step is the same as step S304.
Step S420: and an intelligent contract layer execution module of the asset account book system records the execution result information of the final digital money transfer instruction and the pledge asset return instruction to an account book layer execution module. The intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the last transferred digital currency information and generating last transferred digital currency information corresponding to the lender; (2) and simultaneously spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset ledger address.
In the process, the asset ledger system controls the synchronous updating of the execution results of the two instructions. The specific implementation of this step is the same as step S305.
Example four: in the third embodiment, after the step S419 is executed, the borrower may query the on-chain asset information returned by the pledge through the asset application terminal system of the borrower, and the lender may query the on-chain asset information returned by the pledge through the asset application terminal system of the lender, so as to confirm that the pledge asset is successfully returned. The specific implementation process is as follows:
FIG. 5 is a schematic diagram of the main flow of a pledge return asset query via a chain-settled chain pledge asset partial repayment system according to a fourth embodiment of the present invention; as shown in fig. 5, a main process of the pledge return asset query by the chain pledge asset partial repayment system of the chain digital currency settlement according to the fourth embodiment of the present invention includes the following steps:
step S501: the borrower asset application terminal system generates first pledge returned asset query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sends the first pledge returned asset query request information with the borrower signature to the asset account book system. The first pledge returned asset query request information refers to that the borrower can initiate a request for querying the digital assets for the digital assets already pledged by the borrower. In an alternative embodiment, the first pledge return asset query request message includes: an asset ledger address and a query requirement corresponding to the borrower.
Step S502: and the asset account book system verifies the first pledge returned asset query request information with the borrower signature, and after the verification is passed, the pledge returned asset information is returned to the borrower asset application terminal system after the signature is added. Wherein the verifying the content comprises: the signature of the first pledge return asset query request information is verified.
Step S503: and the borrower asset application terminal system verifies the pledge return asset information, and displays pledge return asset success information to the borrower after the verification is passed. Wherein the verifying the content comprises: the signature of the pledge return asset information is verified.
Step S504: and the lender asset application terminal system generates second pledge returned asset query request information according to the query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sends the second pledge returned asset query request information with the lender signature to the asset book system. The second pledge returned asset query request information is a request that the lender can initiate digital asset query on pledge assets which are already pledged by the lender. In an alternative embodiment, the second pledge return asset query request message includes: and the corresponding asset account book address of the lender, the pledge asset information and the query requirement.
Step S505: and the asset account book system verifies the second pledge returned asset query request information with the lending party signature, and after the verification is passed, the pledge returned asset information is returned to the borrower asset application terminal system after the signature is added. Wherein the verifying the content comprises: the signature of the second pledge return asset query request information is verified.
Step S506: and the lender asset application terminal system verifies the pledge returned asset information, and displays the pledge returned asset success information to the lender after the verification is passed. Wherein the verifying the content comprises: the signature of the pledge return asset information is verified. The present invention is not limited to the execution sequence of the above steps, and step S504 to step S506 may be executed first, and then step S501 to step S503 may be executed.
FIG. 6 is a schematic flow chart of a method for partial repayment of an online pledge asset through online settlement according to one embodiment of the present invention; as shown in fig. 6, a method for repayment of a chain pledge asset part through chain settlement in an embodiment of the present invention mainly includes the following steps:
step S601: the borrower asset application terminal system generates a chain digital currency part transfer instruction based on the amount of the digital currency to be returned and lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;
specifically, the borrower asset application terminal system generates a repayment request of the on-chain pledge asset part, which is settled by the on-chain digital money, based on the amount of the returned digital money and lender information selected and/or input by the borrower in the user interface, the borrower asset application terminal system 101 generates and signs a transfer instruction of the on-chain digital money part according to the repayment request information, and then sends the transfer instruction of the on-chain digital money part with the signature of the user private key of the borrower to the asset ledger system. In one repayment operation, the number of the returned digital currencies can be smaller than the financing repayment amount corresponding to all the pledge assets.
Step S602: the asset ledger system executing a first smart contract contained in transferred digital currency information of the on-chain digital currency portion transfer instructions to validate the on-chain digital currency portion transfer instructions with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
An intelligent contract layer execution module of the asset ledger system performs validation of digital currency portion transfer instructions on the chain, comprising: verifying a signature of said borrower digital money wallet in a digital money portion transfer instruction on a chain; 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 borrower 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 so, the digital currency portion transfer instructions on the validation chain are confirmed to pass.
The transaction information of partial repayment is updated to the pledge asset information of the asset ledger system, and the pledge asset information can be used for tracking and recording repayment amount. When the last repayment is carried out, the return of all the pledge assets can be carried out at one time.
According to the technical scheme of the embodiment of the invention, a borrower asset application terminal system initiates a chain digital currency part transfer instruction, an asset account book system executes the chain digital currency part transfer instruction, and transferred digital currency information is generated; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces 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 (14)

1. An on-chain pledge asset part repayment system through on-chain settlement, comprising: a borrower asset application terminal system and an asset ledger system; wherein the content of the first and second substances,
the borrower asset application terminal system is used for generating an on-chain digital currency part transfer instruction containing the information of the transferred digital currency based on the amount of the digital currency to be returned and the lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;
the asset ledger system for executing a first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
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 digital currency portion transfer instruction containing information for the transferred digital currency, comprising: the borrower digital money wallet generating on-chain digital money portion transfer instructions containing information on the digital money to be transferred;
the on-chain digital money portion transfer instructions include: the transferred digital currency information, the retrieved digital currency information, and the pledge asset information;
wherein the transferred digital currency information comprises: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment.
3. The system of claim 2, wherein the asset ledger system validating the on-chain digital currency portion transfer instructions with the borrower digital currency wallet signature comprises:
verifying the borrower digital currency wallet signature in the on-chain digital currency section 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 borrower signature of the digital currency partial 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.
4. The system of claim 3, wherein the on-chain digital money portion transfer instructions further comprise: calling parameters for subsequent trading of the pledge assets; the subsequent trading call parameter of the pledge asset is the trading information of the partial repayment;
the second intelligent contract in the pledge asset information comprises verification of a first trigger condition of subsequent transaction of the pledge asset, and the first trigger condition of the subsequent transaction of the pledge asset comprises a return trigger condition of the pledge asset;
the asset ledger system validating the on-chain digital currency portion transfer instructions, further comprising: judging whether the subsequent transaction calling parameters of the pledge assets meet the returning triggering conditions of the pledge assets or not;
and under the condition that the pledge asset return triggering condition is met, carrying out pledge asset return operation.
5. The system of claim 4, wherein performing a pledge return operation comprises:
the borrower digital asset wallet generates a pledge asset return instruction containing pledge asset information according to the pledge asset information; the pledge asset return instructions include: the pledge asset information, the pledge return asset information; the borrower digital asset wallet is further to: signing the pledge asset returning instruction, and then sending the pledge asset returning instruction with the borrower digital asset wallet signature to the asset ledger system; alternatively, the first and second electrodes may be,
and the asset ledger book system performs automatic pledge asset returning operation according to the pledge asset information.
6. The system of claim 5, wherein the asset ledger system is further configured to:
executing a second intelligent contract contained in the pledge asset information to verify the pledge asset return instruction with the borrower signature; and after the verification is passed, spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset book address.
7. The system of claim 6, wherein the asset ledger system validates the pledge return instructions with borrower digital asset wallet signature, comprising:
verifying the signature of the borrower digital asset wallet in the pledge return instruction; after the verification of the signature is confirmed to pass,
verifying whether the asset account book address of the borrower is consistent with a user public key corresponding to the borrower digital asset wallet signature of the pledge asset return instruction;
determining the repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the repayment amount of the pledge asset reaches the repayment condition of the pledge asset;
if yes, the verification is confirmed to be passed.
8. The system of claim 2, wherein the borrower digital money wallet, prior to generating the on-chain digital money portion transfer instructions, 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 borrower signature, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to a 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.
9. The system of claim 2, further comprising: lender asset application terminal systems; the lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets;
before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital money wallet further 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.
10. The system of claim 2, wherein the borrower digital asset wallet, prior to generating the on-chain digital currency portion transfer instructions, is further configured to:
generating borrower pledge asset repayment condition query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface; and transmitting borrower pledge asset repayment condition 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 borrower pledge asset repayment condition inquiry request information with the borrower signature, adding the signature to pledge asset repayment condition inquiry result information after the verification is passed, and returning to a borrower digital asset wallet in the borrower asset application terminal system;
the borrower digital asset wallet is further to: verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the borrower after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.
11. The system of claim 9 wherein prior to the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital asset wallet is further configured to:
generating lender pledge asset repayment condition query request information according to query requirements input and/or selected by the lender in the on-chain asset query function interface; and transmitting lender pledge asset repayment condition query request information with the lender digital asset wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the lender pledge asset repayment condition query request information with the lender signature, adding the signature to pledge asset repayment condition query result information and returning to a lender digital asset wallet in the lender asset application terminal system after the verification is passed;
the lender digital asset wallet is further to: and verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the lender after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.
12. The system of any one of claims 1 to 11, wherein the borrower asset application terminal system is further configured to:
generating first pledge returned asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface, and then sending the first pledge returned asset query request information with the borrower signature to the asset book system;
the asset ledger system is further configured to: verifying the pledge returned asset query request information with the borrower signature, and after the verification is passed, adding the signature to the first pledge returned asset information and returning the first pledge returned asset information to the borrower asset application terminal system;
the borrower asset application terminal system is further configured to: and verifying the pledge return asset information, and displaying pledge asset return success information to the borrower after the verification is passed.
13. The system of any one of claims 1 to 11, wherein the lender asset application terminal system is further configured to:
generating second pledge returned asset query request information according to the query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sending the second pledge returned asset query request information with the lender signature to the asset book system;
the asset ledger system is further configured to: verifying the pledge returned asset query request information with the lender signature, and after the verification is passed, adding the signature to the pledge returned asset information and returning the pledge returned asset information to the borrower asset application terminal system;
the borrower asset application terminal system is further configured to: and verifying the second pledge returned asset information, and displaying pledge asset returning success information to the lender after the verification is passed.
14. A method for on-chain pledge asset partial payment through on-chain settlement, comprising:
the borrower asset application terminal system generates a chain digital currency part transfer instruction based on the amount of the digital currency to be returned and lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;
the asset ledger system executing a first smart contract contained in transferred digital currency information of the on-chain digital currency portion transfer instructions to validate the on-chain digital currency portion transfer instructions with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.
CN201910717989.0A 2019-08-05 2019-08-05 On-chain pledge asset partial repayment system and method through on-chain settlement Pending CN110599138A (en)

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Citations (3)

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CN107077675A (en) * 2016-12-30 2017-08-18 深圳前海达闼云端智能科技有限公司 Block chain based currency management method and system
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CN108885761A (en) * 2016-04-11 2018-11-23 区块链控股有限公司 Method for secure peer-to-peer communication over blockchains

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CN108885761A (en) * 2016-04-11 2018-11-23 区块链控股有限公司 Method for secure peer-to-peer communication over blockchains
US20180101829A1 (en) * 2016-10-10 2018-04-12 Paypal, Inc. Virtual currency secured physical currency transmission system
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Inventor after: Meng Jianghua

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