CN110619565A

CN110619565A - On-chain pledge asset compensation system and method through off-chain settlement

Info

Publication number: CN110619565A
Application number: CN201910717317.XA
Authority: CN
Inventors: 孟江华
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-08-05
Filing date: 2019-08-05
Publication date: 2019-12-27

Abstract

The invention discloses a system and a method for clearing chain pledge assets through chain down settlement, relating to the technical field of digital assets. One embodiment of the system comprises: the lender asset application terminal system generates a first pledge asset compensation command according to the collection information under the condition that the borrower does not pay enough, and then sends the first pledge asset compensation command with the lender signature to the asset account book system; the asset ledger system executes the intelligent contract contained in the pledge asset information of the first pledge asset compensation instruction to generate pledge return asset information and pledge compensation asset information. The implementation mode realizes a complete transaction process of clearing the chain pledge assets based on the block chain and the intelligent contract, and reduces the transaction risk.

Description

On-chain pledge asset compensation system and method through off-chain settlement

Technical Field

The invention relates to the technical field of digital assets, in particular to a system and a method for clearing chain pledge assets through chain down 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 under the real environment, and lacks the chain pledge asset compensation process which is carried out after pledge financing on the digital assets on the chain and the borrower of the transaction can not clear debt within the repayment period.

(2) The lack of operational capability for chain pledge assets and therefore processing capability for clearing chain pledge assets and protection of chain pledge asset processing in the event of borrower arrears, presents a transaction risk.

(3) The interactive capability of the operation under the chain is lacked, all the operations can only be completed on the closed chain, the processes of repayment under the chain and pledge asset compensation on the chain cannot be supported, and the transaction risk of the whole process cannot be controlled.

Disclosure of Invention

In view of the above, embodiments of the present invention provide an on-chain pledge asset compensation system and method through off-chain settlement, where a lender asset application terminal system generates a first pledge asset compensation command according to collection information when determining that the borrower is not paying enough money, and an asset ledger system executes an intelligent contract included in pledge asset information of the first pledge asset compensation command to generate pledge return asset information and pledge compensation asset information. By the method, the complete trading process for clearing the chain pledge assets is realized, and the trading risk is reduced.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an on-chain pledge asset liquidation system through off-chain settlement.

The system for clearing the chain pledge assets through the chain down settlement comprises the following components: lender asset application terminal systems and asset ledger systems; the lender asset application terminal system is used for judging whether a borrower is sufficient for payment according to received collection information corresponding to a pledge asset, generating a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sending the first pledge asset compensation command with a lender signature to the asset book system; wherein the first pledge asset compensation command comprises pledge asset information; the asset ledger system is used for executing an intelligent contract contained in the pledge asset information of the first pledge asset compensation command so as to verify the first pledge asset compensation command with the lender signature, and after the verification is passed, the pledge asset information is spent, and the pledge return asset information corresponding to the asset ledger address of the borrower and the pledge compensation asset information corresponding to the asset ledger address of the lender are generated.

Optionally, the first pledge asset redemption instruction further includes: the method comprises the following steps of setting up a pledge, returning the pledge to the pledge, and setting up pledge to the pledge, wherein the pledge is used for setting up pledge, returning the pledge to the pledge, and the pledge to the pledge, and the: the method comprises the steps of controlling an intelligent contract and the number of pledges for the subsequent transaction of pledges, wherein the intelligent contract comprises verification of a subsequent transaction triggering condition of pledges, and the subsequent transaction triggering condition of pledges comprises a compensation triggering condition of pledges; verifying the first pledge asset redemption instruction with the lender signature, comprising: verifying a signature of the first pledge asset redemption instruction; searching the authorized person address of the pledge asset according to the pledge asset information, and verifying that the searched authorized person address of the pledge asset is consistent with the user public key corresponding to the lender signature of the first pledge asset clearing instruction; verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset; verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and verifying that the subsequent calling parameters of the first pledge asset meet the pledge asset clearing triggering conditions.

Optionally, the system further comprises: a lender chain lower payment module; the lender asset application terminal system is also used for sending repayment condition query request information comprising the lender account information to the lender chain lower payment module; and the lender lower chain payment module is also used for inquiring the collection information corresponding to the borrower account information according to the repayment condition inquiry request information and then feeding back the collection information to the lender asset application terminal system.

Optionally, the system further comprises: a borrower asset application terminal system; the borrower asset application terminal system is used for generating a second pledge asset compensation command according to the received payment information corresponding to the pledge asset, and then sending the second pledge asset compensation command with the borrower signature to the asset account book system; the asset ledger system is further configured to execute an intelligent contract contained in the pledge asset information of the second pledge asset compensation command to verify the second pledge asset compensation command with the borrower signature, spend the pledge asset information after verification passes, and generate pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.

Optionally, the second pledge asset redemption instruction includes: the amount of arrears, the pledge asset information, the pledge return asset information, the pledge clear-out asset information and the subsequent calling parameter of the second pledge asset, the subsequent calling parameter of the second pledge asset is the payment information, the pledge asset information comprises: the method comprises the steps of controlling an intelligent contract and the number of pledges for the subsequent transaction of pledges, wherein the intelligent contract comprises verification of a subsequent transaction triggering condition of pledges, and the subsequent transaction triggering condition of pledges comprises a compensation triggering condition of pledges; verifying the second pledge asset redemption instruction with the borrower signature, comprising: verifying a signature of the second pledge asset redemption instruction; searching for the obligee address of the pre-ordered pledged asset according to the pledged asset information, and verifying that the found obligee address of the pledged asset is consistent with the user public key corresponding to the borrower signature of the second pledged asset liquidation instruction; verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset; verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and verifying that the subsequent calling parameters of the second pledge asset meet the pledge asset clearing triggering conditions.

Optionally, the lender asset application terminal system is further configured to: generating first pledge liquidation asset query request information according to query requirements input and/or selected by the lender in an asset query function interface on the chain, and then sending the first pledge liquidation asset query request information with the lender signature to the asset ledger system; the asset ledger system is further configured to: verifying the first pledge liquidation asset query request information with the lender signature, and after the verification is passed, adding signatures to the pledge returned asset information and the pledge liquidation asset information respectively and returning the pledge returned asset information and the pledge liquidation asset information to the lender asset application terminal system; the lender asset application terminal system is further configured to: and verifying the pledge return asset information and the pledge compensation asset information respectively, and displaying financing compensation ending information to the lender after the verification is passed.

Optionally, the borrower asset application terminal system is further configured to: generating second pledge liquidation asset query request information according to the query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sending the second pledge liquidation asset query request information with the borrower signature to the asset ledger system; the asset ledger system is further configured to: verifying the second pledge liquidation asset query request information with the borrower signature, and after the verification is passed, adding signatures to the pledge returned asset information and the pledge liquidation asset information respectively and returning the pledge returned asset information and the pledge liquidation 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 the pledge compensation asset information respectively, and displaying financing compensation ending information to the borrower after the verification is passed.

According to another aspect of an embodiment of the present invention, there is provided an on-chain pledge asset redemption system through off-chain settlement.

The system for clearing the chain pledge assets through the chain down settlement comprises the following components: a borrower asset application terminal system and an asset ledger system; the borrower asset application terminal system is used for generating a second pledge asset compensation command according to the received payment information corresponding to pledge assets under the condition that the borrower does not pay enough, and then sending the second pledge asset compensation command with the borrower signature to the asset ledger system; wherein the second pledge asset compensation instruction comprises pledge asset information; the asset ledger system is used for executing an intelligent contract contained in the pledge asset information of the second pledge asset compensation command so as to verify the second pledge asset compensation command with the borrower signature, and after the verification is passed, the pledge asset information is spent, and the pledge return asset information corresponding to the asset ledger address of the borrower and the pledge compensation asset information corresponding to the asset ledger address of the lender are generated.

According to another aspect of an embodiment of the present invention, there is provided a method of online pledge asset compensation through offline settlement.

The method for clearing the chain pledge assets through the chain down settlement comprises the following steps: the lender asset application terminal system judges whether the borrower is sufficient for payment according to the received collection information corresponding to the pledge assets, generates a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sends the first pledge asset compensation command with the lender signature to the asset account book system; wherein the first pledge asset compensation command comprises pledge asset information; the asset ledger system executes an intelligent contract contained in the pledge asset information of the first pledge asset compensation command to verify the first pledge asset compensation command with the lender signature, costs the pledge asset information after the verification is passed, and generates pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.

According to yet another aspect of an embodiment of the present invention, there is provided a method of online pledge asset compensation through offline settlement.

The method for clearing the chain pledge assets through the chain down settlement comprises the following steps: the borrower asset application terminal system generates a second pledge asset compensation command according to the received payment information corresponding to pledge assets under the condition that the borrower does not pay enough, and then sends the second pledge asset compensation command with the borrower signature to the asset account book system; wherein the second pledge asset compensation instruction comprises pledge asset information; the asset ledger system executes an intelligent contract contained in the pledge asset information of the second pledge asset compensation command to verify the second pledge asset compensation command with the borrower signature, costs the pledge asset information after verification is passed, and generates pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.

One embodiment of the above invention has the following advantages or benefits: the lender asset application terminal system generates a first pledge asset clearing instruction according to the collection information under the condition that the borrower is determined to be not paid for enough money, the asset ledger system executes an intelligent contract contained in pledge asset information of the first pledge asset clearing instruction to generate pledge returned asset information and pledge cleared asset information, the complete transaction process of clearing the pledge assets on the chain is realized through the mode, the clearing and returning processes of the pledge assets on the chain are controlled by the intelligent contract, the rights and interests of both parties of the transaction are ensured, and the transaction risk is reduced; both parties of the transaction can control the execution process of changing the pledge assets into pledge return assets and pledge clearing assets, the realization mode is flexible, and the transaction requirements are met.

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 system for online pledge asset clearance through offline settlement in accordance with one embodiment of the present invention;

FIG. 2 is a schematic view of the main process flow of asset compensation by the system for online pledge asset compensation in the chain settlement according to the first embodiment of the present invention;

FIG. 3 is a schematic view of the main process of asset compensation by the system for online pledge asset compensation in the second embodiment of the present invention;

FIG. 4 is a schematic diagram of the main process of asset compensation by the system for online pledge asset compensation in the third embodiment of the present invention;

FIG. 5 is a schematic flow chart of the second embodiment of the present invention illustrating the on-chain asset query by the on-chain pledge asset compensation system for off-chain settlement;

FIG. 6 is a schematic diagram of the main process flow of the system for pledging return assets and pledging liquidated assets through the system for pledging assets liquidated by chain settlement in the fourth embodiment of the present invention;

fig. 7 is a schematic flow chart of a method for online pledge asset compensation through offline settlement according to an embodiment of the present invention.

Fig. 8 is a schematic flow chart of a method for online pledge asset compensation through offline settlement according to a second 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 of the digital assets on the chain owned by the pledge; the lender is given the digital assets on the chain of the borrower pledge, simultaneously provides financing money for the borrower, and appoints a repayment deadline with the borrower, and when the borrower does not repay the sufficient amount in the repayment deadline, the lender can pay the pledge assets. Based on the pledge financing transaction that the borrower and the lender have already agreed upon, they also agree upon the following transactions: the lender may use the pledge assets to pay the remaining debts when the borrower does not clear the entire debts to the lender according to the payment deadline. In order to implement the pledge asset compensation and 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 operations of compensation, return and the like of the pledge assets. The specific realization principle is as follows:

the loaner can obtain the payment account-arriving voucher after carrying out the off-chain repayment payment for the pledge assets, the lender can obtain the repayment account-arriving voucher, under the condition that the loaner does not settle out all the debts to the loaner on time, both parties can send pledge asset settlement instructions to the asset account book system through the corresponding vouchers, the asset account book system executes the intelligent contracts contained in the pledge asset settlement instructions, the pledge assets which are paid back by the loaner are returned to the loaner, and the pledge assets which are not paid back by the loaner are settled out to the loaner. 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 a system for online pledge asset clearance through offline settlement according to one embodiment of the present invention. As shown in fig. 1, a system 100 for clearing an online pledge asset through offline settlement according to a first embodiment of the present invention mainly includes:

the lender asset application terminal system 101 is used for judging whether the borrower is sufficient for payment according to the received collection information corresponding to the pledge asset, generating a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sending the first pledge asset compensation command with the lender signature to the asset account book system; wherein the first pledge asset compensation command includes pledge asset information. The lender asset application terminal system can actively obtain the repayment condition of the borrower on the quality-guaranteed asset from the lender chain lower payment module, also can passively receive the repayment condition of the externally pushed borrower on the quality-guaranteed asset, and then judges whether the borrower is full-amount repayment or not based on the repayment condition and the payable amount.

And the asset ledger system 102 is used for executing an intelligent contract contained in the pledge asset information of the first pledge asset compensation command so as to verify the first pledge asset compensation command with the lender signature, spending the pledge asset information after the verification is passed, and generating pledge return asset information corresponding to the asset ledger address of the borrower and pledge compensation asset information corresponding to the asset ledger address of the lender. The intelligent contract layer execution module of the asset account book system executes verification operation: verifying a signature of the first pledge asset redemption instruction; searching the authorized person address of the pledge asset according to the pledge asset information, and verifying that the searched authorized person address of the pledge asset is consistent with the user public key corresponding to the lender signature of the first pledge asset clearing instruction; verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset; verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and verifying that the subsequent calling parameters of the first pledge asset meet the pledge asset clearing triggering conditions. After verification is completed, the intelligent contract layer execution module executes the first pledge asset compensation command, costs pledge assets, and generates pledge return assets and pledge compensation assets corresponding to the first pledge asset compensation command.

Fig. 2 is a schematic view of the main process of asset compensation by the system for online pledge asset compensation in the chain settlement according to the first embodiment of the present invention. As shown in fig. 2, the main process of asset compensation through the chain pledge asset compensation system of the first embodiment of the present invention includes the following steps:

step S201: 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 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 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 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: and the lender asset application terminal system judges whether the borrower is sufficient for repayment according to the received collection information corresponding to the pledge asset. The lender asset application terminal system judges whether the repayment amount of the repayment made by the borrower in the collection information is more than or equal to the payable amount within the repayment deadline, if the repayment amount is more than or equal to the payable amount, the borrower is indicated to have sufficient repayment, and the pledge asset can be directly returned to the borrower; if the repayment amount is less than the payable amount, the borrower is indicated that the payment is not paid enough within the repayment period.

Step S203: and the lender asset application terminal system generates a first pledge asset compensation command according to the collection information under the condition that the borrower does not pay enough, and then sends the first pledge asset compensation command with the lender signature to an intelligent contract layer execution module of the asset account book system. The pledge asset compensation command is a compensation command for pledge asset information, which indicates that the borrower can send the pledge asset information to the intelligent contract layer execution module, and the command is used for triggering the execution of an intelligent contract contained in the pledge asset information (i.e. the pledge asset is changed into an intelligent contract of pledge return asset information and pledge compensation asset information). In an alternative embodiment, the pledge asset redemption instructions include: the amount of the debt, the pledge asset information, the subsequent transaction calling parameters of the pledge asset, the pledge return asset information, the pledge liquidation asset information and the like. The pledge asset information refers to the chain asset information pledged by the borrower to the lender; the pledge asset subsequent transaction calling parameter refers to a parameter which needs to be called when an intelligent contract contained in pledge asset information is executed, and the parameter can be a payment receipt certificate provided by a borrower, a repayment receipt certificate provided by a lender, or confirmation receipt information with a lender signature; the pledge returned asset information refers to the digital assets belonging to the borrower and generated by the borrower according to the returned pledge assets which are paid after executing the intelligent contract contained in the pledge asset information; the pledge liquidation asset information is digital assets which are generated by the borrower according to the unpaid amount and used for liquidating the debt of the borrower and belong to the lender after the intelligent contract contained in the pledge asset information is executed.

In an embodiment, the pledge asset information includes: the detailed description of the pledge assets, the intelligent contracts for controlling the follow-up transactions of the pledge assets, and the like, wherein the detailed description of the pledge assets comprises: the lender's asset ledger address, the amount of pledge assets received, etc., and the intelligent contract includes verification of the pledge asset subsequent transaction triggering conditions. The trigger conditions for the subsequent transaction of the pledge asset comprise a pledge asset return trigger condition, a pledge asset compensation trigger condition and the like, and can be specifically set according to the agreement of two parties of the transaction. The pledge return asset information includes: the intelligent contract for the subsequent transaction of the pledge return asset and the return asset of the pledge is controlled, wherein the return asset detail of the pledge comprises the following steps: an asset book address of the borrower, a quantity of return assets received, etc. The pledge liquidation asset information comprises: the intelligent contract for the subsequent transaction of the pledge liquidated asset comprises the following components: an asset ledger address of the lender, a quantity of the received liquidated assets, etc. It should be noted that the pledge asset information and the pledge return asset information both include an intelligent contract for subsequent transactions, and the intelligent contract includes trigger conditions for the subsequent transactions and verification of the trigger conditions.

The pledge asset compensation triggering condition is to verify a payment receipt voucher or a collection receipt voucher paid by the lender from the lender, trigger pledge asset compensation operation if the payment is not in full amount after verification is passed, and remit pledge asset to the lender according to the unpaid amount of the lender. For example, if the borrower of both parties of the transaction does not initiate the offline repayment payment operation within the repayment time limit, or initiates the offline repayment operation but not the full amount repayment within the repayment time limit, the borrower is set to have to provide the payment receipt or the confirmed receipt information with the signature of the lender, or the lender has to provide the received receipt or the confirmed receipt information with the signature of the lender, and then the generation of the mortgage return asset with the asset account book address of the borrower as the asset book address of the borrower and the mortgage liquidation asset with the asset book address of the borrower as the asset book address of the borrower can be finally completed.

Step S204: and an intelligent contract layer execution module of the asset account book system verifies the first pledge asset clearing instruction, and executes the first pledge asset clearing instruction after the verification is passed. The verification process comprises the following steps: verifying a signature of the first pledge asset redemption instruction; searching the authorized person address of the pledge asset according to the pledge asset information, and verifying that the searched authorized person address of the pledge asset is consistent with the user public key corresponding to the lender signature of the first pledge asset clearing instruction; verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset; verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and verifying that the subsequent calling parameters of the first pledge asset meet the pledge asset clearing triggering conditions. Interest is also typically included in the payable total, so the pledge assets typically exceed the payable total. The first pledge asset compensation command 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 pledge asset compensation command after receiving the first pledge asset compensation command.

The intelligent contract execution process for generating the pledge return asset and the pledge liquidation asset by the pledge asset comprises the following steps: and checking whether the subsequent trading call parameter of the first pledge asset contained in the first pledge asset compensation instruction meets the pledge asset compensation triggering condition specified in the intelligent contract or not by using an intelligent contract contained in pledge asset information, if the specified pledge asset compensation triggering condition is met, spending the pledge asset, and generating the corresponding pledge return asset and pledge compensation asset according to the first pledge asset compensation instruction. And after the intelligent contract of the first pledge asset compensation command is executed, returning pledge assets paid by the borrower to the borrower, and compensating pledge assets not paid by the borrower to the borrower.

Step S205: and an intelligent contract layer execution module of the asset ledger system records the pledge asset settlement execution result information to a consensus ledger layer execution module. The intelligent contract layer execution module costs the pledge assets, generates pledge return asset information and pledge compensation asset information corresponding to the first pledge asset compensation command, and records the execution result to the consensus ledger layer execution module.

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, both the borrower and the lender can obtain the pledge asset information corresponding to the borrower's asset account book address through the asset application terminal system. The concrete implementation is as follows:

fig. 3 is a schematic view of the main process of asset compensation by the system for online pledge asset compensation in the second embodiment of the present invention. As shown in fig. 3, the main process of asset compensation by the chain pledge asset compensation 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. 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.

Step S302: 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 S303.

Step S303: and the borrower and the lender inquire the on-chain asset information of the lending party and the on-chain asset information of the common account book layer execution module of the asset account book system through respective asset application terminal systems. The queried on-chain asset information includes the pledge asset information for the lender given by the borrower pledge. The realization principle that the lender inquires the asset information on the chain through the lender asset application terminal system is the same as the realization principle that the borrower inquires the asset information on the chain through the borrower asset application terminal system. The following description will be made in detail with reference to fig. 5, taking an example in which the borrower queries the asset information on the chain through the borrower asset application terminal system.

Step S304: and the lender sends repayment condition query request information to the lender chain lower payment module through the lender asset application terminal system. Wherein, the repayment condition inquiry request information comprises: lender account information, etc. The steps S304 to S306 are used for the lender to obtain the payment of the borrower. In another embodiment, the payment condition of the borrower within the payment deadline can also be sent to the lender asset application terminal system by a linked payment platform, such as a commercial bank service terminal, a third party payment platform, etc., and at this time, steps S304 to S306 can be replaced by the above manner.

Step S305: and the lender lower chain payment module executes payment condition inquiry operation according to the payment condition inquiry request information so as to inquire the collection information corresponding to the account information of the lender. The payment information refers to the fund payment information received by the lender from the borrower, and may be, for example, a payment receipt or the like.

Step S306: and the lender chain lower payment module returns the collection information corresponding to the lender account information to the lender asset application terminal system. At this time, the lender may send a pledge asset clearing instruction to the intelligent contract layer execution module according to the received collection and payment voucher. In addition, the borrower receives payment receipt if it has performed a partial repayment of the pledge asset through the borrower chain lower payment module. The borrower provides a payment receipt certificate, or the lender provides a collection receipt certificate, or the lender provides confirmed receipt information with a self signature, which can be used as a trigger condition for executing the intelligent contract in the pledge asset settlement instruction. The following description will take the lender initiating the pledge asset compensation command as an example.

Step S307: and the lender asset application terminal system generates a first pledge asset compensation command according to the collection information under the condition that the borrower does not pay enough, and then sends the first pledge asset compensation command with the lender signature to an intelligent contract layer execution module of the asset account book system. In this embodiment, the parameter for calling the subsequent transaction of the first pledge asset included in the first pledge asset compensation command is a cash-receiving and account-checking certificate provided by the lender or a confirmed account-receiving information with the signature of the lender. After the lender asset application terminal system generates a first pledge asset clearing instruction, the first pledge asset clearing instruction is signed by using a user private key of the lender, and then the first pledge asset clearing instruction with the signature of the user private key of the lender is sent to the intelligent contract layer execution module so as to trigger the intelligent contract layer execution module to execute the intelligent contract in the first pledge asset clearing instruction.

Step S308: an intelligent contract layer execution module of the asset ledger system executes an intelligent contract contained in the pledge asset information of the first pledge asset compensation command to verify the first pledge asset compensation command with the lender signature, after the verification is passed, the pledge asset information is spent, and pledge return asset information corresponding to the asset ledger address of the borrower and pledge compensation asset information corresponding to the asset ledger address of the lender are generated. This step is the same as the implementation of step S204.

Step S309: and an intelligent contract layer execution module of the asset ledger system records the pledge asset settlement execution result information to a consensus ledger layer execution module. This step is the same as the implementation process of step S205.

Example three: since the borrower provides the payment and account receipt, which can also be used as a trigger condition for the intelligent contract in the pledge asset clearing instruction executed by the intelligent contract execution layer module, the third embodiment of the present invention takes the borrower initiating the pledge asset clearing instruction as an example, and describes the online pledge asset clearing method through offline settlement according to the embodiment of the present invention. The concrete implementation is as follows:

fig. 4 is a schematic view of the main flow of asset compensation by the system for online pledge asset compensation in the third embodiment of the present invention. As shown in fig. 4, the main flow of asset compensation through the chain pledge asset compensation system in the third embodiment of the present invention, steps S401 to S403 in the third embodiment are the same as steps S301 to S303 in the second embodiment, and are not repeated herein. The method comprises the following steps:

step S404: and the borrower sends repayment request information to the borrower chain lower payment module according to the pledge asset information displayed by the borrower asset application terminal system. The repayment request information includes: lender account information, borrower account information, repayment amount, etc. At this time, the borrower is a payer, the lender is a payee, and the borrower repayment amount is smaller than the payable amount. In an embodiment, the lender account information includes a collection account number and the borrower account information includes a payment account number.

Step S405: and the borrower offline payment module performs offline payment according to the repayment amount and the lender account information in the payment request information and returns the payment information to the lender asset application terminal system. The payment information may be used to inform the borrower that the payment amount has been successfully paid to the lender, such as a payment receipt. Step S406 and step S407 are configured to enable the borrower to initiate an off-chain payment operation, and the borrower off-chain payment module completes the transfer of the payment price.

Step S406: and under the condition that the borrower does not pay enough, the borrower asset application terminal system generates a second pledge asset compensation command according to the received payment information corresponding to the pledge assets, and then sends the second pledge asset compensation command with the borrower signature to an intelligent contract layer execution module of the asset account book system. If the repayment deadline is over, the repayment amount of the borrower is still smaller than the payable amount, so that the borrower can be determined not to adequately repay within the repayment deadline. The second pledge asset redemption instructions include: the pledge asset information, the second pledge asset subsequent transaction calling parameters, pledge return asset information, pledge liquidation asset information, etc. In this embodiment, the parameters for the subsequent transaction of the second pledge asset included in the second pledge asset compensation command call the payment receipt provided by the borrower.

Step S407: and an intelligent contract layer execution module of the asset ledger system executes an intelligent contract contained in the pledge asset information of the second pledge asset compensation command so as to verify the second pledge asset compensation command with the borrower signature, and after the verification is passed, the pledge asset information is spent, and pledge return asset information corresponding to the asset ledger address of the borrower and pledge compensation asset information corresponding to the asset ledger address of the lender are generated. In the step, the intelligent contract layer execution module verifies the payment receipt provided by the borrower, judges whether the designated pledge asset compensation triggering condition in the intelligent contract is met, and if the designated pledge asset compensation triggering condition is met, executes the second pledge asset compensation instruction, namely spends pledge assets, and generates pledge return asset information and pledge compensation asset information corresponding to the second pledge asset compensation instruction. And after the intelligent contract of the second pledge asset compensation command is executed, returning pledge assets paid by the borrower to the borrower, and compensating pledge assets not paid by the borrower to the borrower.

Step S408: and an intelligent contract layer execution module of the asset ledger system records the pledge asset settlement execution result information to a consensus ledger layer execution module. The intelligent contract layer execution module costs the pledge assets, generates pledge return asset information and pledge compensation asset information corresponding to the second pledge asset compensation command, and records the execution result to the consensus ledger layer execution module.

In another preferred embodiment, if the borrower does not initiate the under-chain payment operation within the payment deadline, the borrower may also directly initiate the pledge asset compensation command by skipping steps S404 and S405.

Fig. 5 is a schematic flow chart illustrating the main process of performing on-chain asset query by an on-chain pledge asset clearing system with off-chain settlement according to the second embodiment of the present invention. As shown in fig. 5, the main process of performing the on-chain asset query by the on-chain pledge asset clearing system with the off-chain settlement in the second embodiment of the present invention includes the following steps:

step S501: 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 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 the borrower 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: and the asset account book address and the query requirement in the real-name account book record 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 make the borrower asset application terminal system initiate the on-chain asset information query operation. The specific implementation may be the corresponding function of the borrower's access to the borrower asset application terminal system. 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 S502: 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 signatures, asset class, list of on-chain unspent asset information, list of valid initial block information corresponding to the unspent assets on the chain, pledge asset information, 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 alleyway address for each of the list of on-chain unspent asset information is the same as the borrower's asset ledger address in the on-chain asset query request message. The valid initial block information includes: chain hosted asset issuance information, chain hosted asset registration index information, and the like.

Step S503: and the borrower asset application terminal system verifies the signature of the asset query result information on the chain, and displays the asset query result information on the chain to the borrower after the verification is passed.

Example four: after the step S309 and the step S408 are executed in the second and third embodiments, the borrower may query the chain asset information returned by the pledge through the asset application terminal system thereof, and the lender may query the chain asset information for pledge compensation through the asset application terminal system thereof, so as to confirm that the financing compensation is completed. The specific implementation process is as follows:

fig. 6 is a schematic view of a main flow of the pledge return asset and pledge liquidation asset query performed by the chain pledge asset liquidation system for chain settlement in the fourth embodiment of the present invention. As shown in fig. 6, the main process of the pledge return asset and pledge liquidation asset query by the online pledge asset liquidation system for offline settlement in the fourth embodiment of the present invention includes the following steps:

step S601: and the lender asset application terminal system generates first pledge liquidation 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 first pledge liquidation asset query request information with the lender signature to the asset ledger system. The first pledge liquidation asset query request information is a request that the lender can initiate digital asset query on digital assets which are returned by pledges and liquidated by pledges of the lender. In an alternative embodiment, the first pledge liquidation asset query request message comprises: and (4) the asset account book address and the query requirement corresponding to the lender.

Step S602: and the asset ledger system verifies the first pledge liquidation asset query request information with the lender signature, and after the verification is passed, the pledge return asset information and the pledge liquidation asset information are respectively added with the signatures and then returned to the lender asset application terminal system. Wherein the verifying the content comprises: the signature of the first pledge liquidity asset query request message is verified.

Step S603: and the lender asset application terminal system respectively verifies the pledge return asset information and the pledge compensation asset information, and displays financing compensation ending information to the lender after the verification is passed. Wherein the verifying the content comprises: and respectively verifying the signatures of the pledge returned asset information and the pledge liquidated asset information.

Step S604: and the borrower asset application terminal system generates second pledge liquidation asset query request information according to the query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sends the second pledge liquidation asset query request information with the borrower signature to the asset ledger system. The second pledge liquidation asset query request information refers to a request that the borrower can initiate digital asset query on the digital assets which are already pledged and liquidated by the borrower. In an alternative embodiment, the second pledge return asset query request message includes: an asset ledger address and a query requirement corresponding to the borrower.

Step S605: and the asset ledger system verifies the second pledge liquidation asset query request information with the borrower signature, and after the verification is passed, the pledge return asset information and the pledge liquidation asset information are respectively added with the signatures and then returned to the borrower asset application terminal system. Wherein the verifying the content comprises: the signature of the second pledge return asset query request information is verified.

Step S606: and verifying the pledge return asset information and the pledge compensation asset information respectively by the asset application terminal system of the borrower, and displaying financing compensation ending information to the borrower after the verification is passed. Wherein the verifying the content comprises: and respectively verifying the signatures of the pledge returned asset information and the pledge liquidated asset information. The present invention is not limited to the execution sequence of the above steps, and step S604 to step S606 may be executed first, and step S601 to step S603 may be executed later.

Fig. 7 is a schematic flow chart of a method for online pledge asset compensation through offline settlement according to an embodiment of the present invention. As shown in fig. 7, a method for clearing an online pledge asset through offline settlement in an embodiment of the present invention mainly includes the following steps:

step S701: the lender asset application terminal system judges whether the borrower is sufficient for payment according to the received collection information corresponding to the pledge assets, generates a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sends the first pledge asset compensation command with the lender signature to the asset account book system; wherein the first pledge asset compensation command includes pledge asset information. The lender asset application terminal system can actively obtain the repayment condition of the borrower on the quality-guaranteed asset from the lender chain lower payment module, also can passively receive the repayment condition of the externally pushed borrower on the quality-guaranteed asset, and then judges whether the borrower is full-amount repayment or not based on the repayment condition and the payable amount.

Step S702: the asset ledger system executes an intelligent contract contained in the pledge asset information of the first pledge asset compensation command to verify the first pledge asset compensation command with the lender signature, costs the pledge asset information after the verification is passed, and generates pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address. The intelligent contract layer execution module of the asset account book system executes verification operation: verifying a signature of the first pledge asset redemption instruction; searching the authorized person address of the pledge asset according to the pledge asset information, and verifying that the searched authorized person address of the pledge asset is consistent with the user public key corresponding to the lender signature of the first pledge asset clearing instruction; verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset; verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and verifying that the subsequent calling parameters of the first pledge asset meet the pledge asset clearing triggering conditions. After verification is completed, the intelligent contract layer execution module executes the first pledge asset compensation command, costs pledge assets, and generates pledge return assets and pledge compensation assets corresponding to the first pledge asset compensation command.

Fig. 8 is a schematic flow chart of a method for online pledge asset compensation through offline settlement according to a second embodiment of the present invention. As shown in fig. 8, the method for clearing the online pledge assets through offline settlement in the second embodiment of the present invention mainly includes the following steps:

step S801: the borrower asset application terminal system generates a second pledge asset compensation command according to the received payment information corresponding to pledge assets under the condition that the borrower does not pay enough, and then sends the second pledge asset compensation command with the borrower signature to the asset account book system; wherein the second pledge asset compensation instruction includes pledge asset information. The second pledge asset redemption instructions include: the pledge asset information, the second pledge asset subsequent transaction calling parameters, pledge return asset information, pledge liquidation asset information, etc. And if the borrower does not pay in the payment deadline, generating a second pledge asset compensation instruction according to the payment information, signing the second pledge asset compensation instruction by using the user private key of the borrower, and sending the second pledge asset compensation instruction with the signature of the user private key of the borrower to the asset account book system. In an embodiment, the payment information is a payment receipt, and the parameters of the subsequent transaction of the second pledge asset included in the corresponding second pledge asset compensation command are used for calling the payment receipt provided by the borrower.

Step S802: the asset ledger system executes an intelligent contract contained in the pledge asset information of the second pledge asset compensation command to verify the second pledge asset compensation command with the borrower signature, costs the pledge asset information after verification is passed, and generates pledge return asset information corresponding to the borrower asset ledger address and pledge compensation asset information corresponding to the lender asset ledger address. In the step, the intelligent contract layer execution module verifies the payment receipt provided by the borrower, judges whether the designated pledge asset compensation triggering condition in the intelligent contract is met, and if the designated pledge asset compensation triggering condition is met, executes the second pledge asset compensation instruction, namely spends pledge assets, and generates pledge return asset information and pledge compensation asset information corresponding to the second pledge asset compensation instruction. And after the intelligent contract of the second pledge asset compensation command is executed, returning pledge assets paid by the borrower to the borrower, and compensating pledge assets not paid by the borrower to the borrower.

According to the technical scheme of the embodiment of the invention, the lender asset application terminal system generates a first pledge asset clearing instruction according to the collection information under the condition that the borrower is determined to be not paid for enough money, the asset ledger system executes an intelligent contract contained in pledge asset information of the first pledge asset clearing instruction to generate pledge returned asset information and pledge cleared asset information, the complete transaction process of clearing pledge assets on the chain is realized through the mode, the clearing and returning processes of pledge assets on the chain are controlled by using the intelligent contract, the rights and interests of both parties of the transaction are ensured, and the transaction risk is reduced; both parties of the transaction can control the execution process of changing the pledge assets into pledge return assets and pledge clearing assets, the realization mode is flexible, and the transaction requirements are met.

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

1. An on-chain pledge asset redemption system through off-chain settlement, comprising: lender asset application terminal systems and asset ledger systems; wherein the content of the first and second substances,

the lender asset application terminal system is used for judging whether the borrower is sufficient for payment according to the received collection information corresponding to the pledge assets, generating a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sending the first pledge asset compensation command with the lender signature to the asset account book system; wherein the first pledge asset compensation command comprises pledge asset information;

the asset ledger system is used for executing an intelligent contract contained in the pledge asset information of the first pledge asset compensation command so as to verify the first pledge asset compensation command with the lender signature, and after the verification is passed, the pledge asset information is spent, and the pledge return asset information corresponding to the asset ledger address of the borrower and the pledge compensation asset information corresponding to the asset ledger address of the lender are generated.

2. The system of claim 1, wherein the first pledge asset redemption instructions further comprise: the method comprises the following steps of setting up a pledge, returning the pledge to the pledge, and setting up pledge to the pledge, wherein the pledge is used for setting up pledge, returning the pledge to the pledge, and the pledge to the pledge, and the: the method comprises the steps of controlling an intelligent contract and the number of pledges for the subsequent transaction of pledges, wherein the intelligent contract comprises verification of a subsequent transaction triggering condition of pledges, and the subsequent transaction triggering condition of pledges comprises a compensation triggering condition of pledges;

verifying the first pledge asset redemption instruction with the lender signature, comprising:

verifying a signature of the first pledge asset redemption instruction;

searching the authorized person address of the pledge asset according to the pledge asset information, and verifying that the searched authorized person address of the pledge asset is consistent with the user public key corresponding to the lender signature of the first pledge asset clearing instruction;

verifying that the sum of the owing amount and the repayment amount in the collection information is equivalent to the total amount of due repayment corresponding to the pledge asset;

verifying that the quantity of the pledge assets is equal to the sum of the quantity of the receiving return assets contained in the pledge return assets information and the quantity of the receiving and clearing assets contained in the pledge clearing assets information; and

verifying that the subsequent calling parameters of the first pledge asset meet the pledge asset clearing triggering conditions.

3. The system of claim 1, further comprising: a lender chain lower payment module;

the lender asset application terminal system is also used for sending repayment condition query request information comprising the lender account information to the lender chain lower payment module;

and the lender lower chain payment module is also used for inquiring the collection information corresponding to the borrower account information according to the repayment condition inquiry request information and then feeding back the collection information to the lender asset application terminal system.

4. The system of claim 1, further comprising: a borrower asset application terminal system;

the borrower asset application terminal system is used for generating a second pledge asset compensation command according to the received payment information corresponding to the pledge asset, and then sending the second pledge asset compensation command with the borrower signature to the asset account book system;

the asset ledger system is further configured to execute an intelligent contract contained in the pledge asset information of the second pledge asset compensation command to verify the second pledge asset compensation command with the borrower signature, spend the pledge asset information after verification passes, and generate pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.

5. The system of claim 4, wherein the second pledge asset redemption instructions include: the amount of arrears, the pledge asset information, the pledge return asset information, the pledge clear-out asset information and the subsequent calling parameter of the second pledge asset, the subsequent calling parameter of the second pledge asset is the payment information, the pledge asset information comprises: the method comprises the steps of controlling an intelligent contract and the number of pledges for the subsequent transaction of pledges, wherein the intelligent contract comprises verification of a subsequent transaction triggering condition of pledges, and the subsequent transaction triggering condition of pledges comprises a compensation triggering condition of pledges;

verifying the second pledge asset redemption instruction with the borrower signature, comprising:

verifying a signature of the second pledge asset redemption instruction;

searching for the obligee address of the pre-ordered pledged asset according to the pledged asset information, and verifying that the found obligee address of the pledged asset is consistent with the user public key corresponding to the borrower signature of the second pledged asset liquidation instruction;

verifying that the subsequent calling parameters of the second pledge asset meet the pledge asset clearing triggering conditions.

6. The system of any one of claims 1 to 5, wherein the lender asset application terminal system is further configured to:

generating first pledge liquidation asset query request information according to query requirements input and/or selected by the lender in an asset query function interface on the chain, and then sending the first pledge liquidation asset query request information with the lender signature to the asset ledger system;

the asset ledger system is further configured to: verifying the first pledge liquidation asset query request information with the lender signature, and after the verification is passed, adding signatures to the pledge returned asset information and the pledge liquidation asset information respectively and returning the pledge returned asset information and the pledge liquidation asset information to the lender asset application terminal system;

the lender asset application terminal system is further configured to: and verifying the pledge return asset information and the pledge compensation asset information respectively, and displaying financing compensation ending information to the lender after the verification is passed.

7. The system of claim 4 or 5, wherein the borrower asset application terminal system is further configured to:

generating second pledge liquidation asset query request information according to the query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sending the second pledge liquidation asset query request information with the borrower signature to the asset ledger system;

the asset ledger system is further configured to: verifying the second pledge liquidation asset query request information with the borrower signature, and after the verification is passed, adding signatures to the pledge returned asset information and the pledge liquidation asset information respectively and returning the pledge returned asset information and the pledge liquidation 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 the pledge compensation asset information respectively, and displaying financing compensation ending information to the borrower after the verification is passed.

8. An on-chain pledge asset redemption system through off-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 a second pledge asset compensation command according to the received payment information corresponding to pledge assets under the condition that the borrower does not pay enough, and then sending the second pledge asset compensation command with the borrower signature to the asset book system; wherein the second pledge asset compensation instruction comprises pledge asset information;

the asset ledger system is used for executing an intelligent contract contained in the pledge asset information of the second pledge asset compensation command so as to verify the second pledge asset compensation command with the borrower signature, and after the verification is passed, the pledge asset information is spent, and the pledge return asset information corresponding to the asset ledger address of the borrower and the pledge compensation asset information corresponding to the asset ledger address of the lender are generated.

9. A method for online pledge asset compensation through offline settlement, comprising:

the lender asset application terminal system judges whether the borrower is sufficient for payment according to the received collection information corresponding to the pledge assets, generates a first pledge asset compensation command according to the collection information under the condition that the borrower is not sufficient for payment, and then sends the first pledge asset compensation command with the lender signature to the asset account book system; wherein the first pledge asset compensation command comprises pledge asset information;

the asset ledger system executes an intelligent contract contained in the pledge asset information of the first pledge asset compensation command to verify the first pledge asset compensation command with the lender signature, costs the pledge asset information after the verification is passed, and generates pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.

10. A method for online pledge asset compensation through offline settlement, comprising:

the borrower asset application terminal system generates a second pledge asset compensation command according to the received payment information corresponding to pledge assets under the condition that the borrower does not pay enough, and then sends the second pledge asset compensation command with the borrower signature to the asset account book system; wherein the second pledge asset compensation instruction comprises pledge asset information;

the asset ledger system executes an intelligent contract contained in the pledge asset information of the second pledge asset compensation command to verify the second pledge asset compensation command with the borrower signature, costs the pledge asset information after verification is passed, and generates pledge return asset information corresponding to the borrower's asset ledger address and pledge compensation asset information corresponding to the lender's asset ledger address.