CN110619566A - On-chain pledge asset return system and method through on-chain digital currency settlement - Google Patents

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

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Publication number
CN110619566A
CN110619566A CN201910717809.9A CN201910717809A CN110619566A CN 110619566 A CN110619566 A CN 110619566A CN 201910717809 A CN201910717809 A CN 201910717809A CN 110619566 A CN110619566 A CN 110619566A
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asset
pledge
borrower
chain
digital
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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
    • 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 an on-chain pledge asset returning system and method for settlement through on-chain digital currency, and relates to the technical field of digital assets. One embodiment of the method comprises: the borrower asset application terminal system generates an on-chain digital money transfer instruction, generates a corresponding pledge asset synchronous return instruction according to the on-chain digital money transfer instruction, and then sends the two instructions to the asset account book system; the asset ledger system executes a first intelligent contract in the on-chain digital currency transfer instruction and a second intelligent contract in the pledge asset synchronous return instruction, completes the transfer of the on-chain digital currency and generates pledge return assets at the same time. The implementation mode realizes the complete transaction process of on-chain digital currency repayment payment and on-chain pledge asset return based on the block chain and the intelligent contract, and reduces the transaction risk.

Description

On-chain pledge asset return system and method through on-chain digital currency settlement
Technical Field
The invention relates to the technical field of digital assets, in particular to an on-chain pledge asset return system and an on-chain pledge asset return method for settlement through on-chain digital currency.
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 the above, embodiments of the present invention provide an on-chain pledge asset returning system and method for settlement by an on-chain digital currency, which can initiate an on-chain digital currency transfer instruction by a borrower asset application terminal system, initiate an operation of synchronous pledge asset returning according to the on-chain digital currency transfer instruction, execute the two instructions simultaneously by an asset ledger system, and generate transferred digital currency information and pledge asset information simultaneously, thereby implementing a complete transaction process of on-chain digital currency repayment payment and on-chain pledge asset synchronous returning, and controlling an on-chain digital currency repayment and on-chain pledge asset synchronous returning process by an intelligent contract, and reducing a transaction risk.
To achieve the above objects, according to one aspect of the embodiments of the present invention, there is provided an on-chain pledge asset return system through on-chain digital currency settlement.
An on-chain pledge asset return system through on-chain digital currency settlement according to an embodiment of the present invention includes: 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 money 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, and generating a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information; the asset ledger system is used for executing a first intelligent contract contained in the transferred digital currency information and executing a second intelligent contract contained in the pledge asset information so as to respectively verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address.
Optionally, the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;
the borrower asset application terminal system generates an on-chain digital money transfer instruction containing information for the transferred digital money, comprising: the borrower digital money wallet generates on-chain digital money transfer instructions containing information on the digital money to be transferred;
the on-chain digital money transfer instructions include: the information of the transferred digital currency, the information of the transferred digital currency and the information of the retrieved digital currency; the transferred digital money information includes: the 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 borrower digital currency wallet is further to: the on-chain digital money transfer instructions are signed and then the on-chain digital money transfer instructions with the borrower digital money wallet signature are sent to the borrower digital asset wallet.
Optionally, the generating, by the borrower asset application terminal system, a pledge asset synchronous return instruction including pledge asset information according to the on-chain digital money transfer instruction includes:
after the borrower digital asset wallet receives an on-chain digital money transfer instruction with a borrower digital money wallet signature sent by a borrower digital money wallet, verifying the borrower digital money wallet signature on the on-chain digital money transfer instruction; after the verification is passed, generating a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction;
the pledge asset synchronous return instruction comprises the following steps: the pledge asset information, the pledge return asset information, and the pledge asset subsequent transaction calling parameters; the pledge asset subsequent transaction calling parameter is the execution state of the digital money transfer instruction; the pledge asset information includes: the system comprises a pledge asset index identifier, a second intelligent contract and pledge asset quantity, wherein the second intelligent contract controls the subsequent transaction of pledge assets, the second intelligent contract comprises pledge asset subsequent transaction triggering condition verification, and the pledge asset subsequent transaction triggering condition comprises pledge asset return triggering condition;
the borrower digital asset wallet is further to: signing the pledge asset synchronous return instruction, and then sending an on-chain digital currency transfer instruction with a borrower digital currency wallet signature and a pledge asset synchronous return instruction with a borrower digital asset wallet signature to the asset ledger system.
Optionally, the asset ledger system validating the on-chain digital money transfer instructions with the borrower digital money wallet signature comprises:
verifying the signature of the borrower digital money wallet in the on-chain digital money transfer instructions; after the signature verification is confirmed to pass, searching the address of the licensee of the transferred digital currency according to the information of the transferred digital currency; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the 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 yes, the verification is confirmed to be passed.
Optionally, the asset ledger system verifies the pledge asset synchronous return instruction with the borrower digital asset wallet signature, including:
verifying the signature of the borrower digital asset wallet in the pledge asset synchronous 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 synchronous return instruction; verifying whether the subsequent transaction calling parameters of the pledge assets meet the normal transfer triggering conditions or not; if so, the verification is confirmed to be passed.
Optionally, the borrower digital money wallet, prior to generating the on-chain digital money 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 signature of the borrower digital currency wallet, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to the borrower digital currency wallet in the borrower asset application terminal system;
the borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.
Optionally, the asset ledger system is further configured to: after the on-chain digital money transfer instruction and the pledge asset synchronous return instruction are verified, under the condition that at least one of the two verifications is not passed, the two instructions are cancelled at the same time.
Optionally, the system for on-chain pledge asset return through on-chain digital currency settlement according to an embodiment of the present invention further includes: 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 is generating on-chain digital money transfer instructions, the lender digital money wallet is 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 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 second pledge returned asset information and returning the second pledge returned asset information to the borrower asset application terminal system;
the borrower asset application terminal system is further configured to: verifying the pledge return asset information, and displaying successful pledge return information to the lender after the verification is passed
According to another aspect of an embodiment of the present invention, there is provided an on-chain pledge asset return method through on-chain digital currency settlement.
The method for returning chain pledge assets through chain digital currency settlement according to the embodiment of the invention comprises the following steps: the borrower asset application terminal system generates an on-chain digital money transfer instruction containing the transferred digital money information based on the amount of the digital money to be returned and the lender information selected and/or input by the borrower, and generates a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information; the asset ledger system executes a first intelligent contract contained in the transferred digital currency information and executes a second intelligent contract contained in the pledge asset information to verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction respectively; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address.
One embodiment of the above invention has the following advantages or benefits: the borrower asset application terminal system initiates an on-chain digital currency transfer instruction, and initiates the operation of synchronous return of the pledge assets according to the on-chain digital currency transfer instruction, the asset account book system executes the two instructions simultaneously, and generates transferred digital currency information and pledge return asset information simultaneously.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the major subsystems of an on-chain pledge asset return system through on-chain digital currency 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 an on-chain pledge asset return system for on-chain digital currency settlement in one embodiment of the present invention;
FIG. 3 is a schematic diagram of the main process flow of the pledge asset return through the on-chain pledge asset return system for on-chain digital currency settlement according to the second embodiment of the present invention;
FIG. 4 is a schematic diagram of the main process flow of the third embodiment of the present invention for pledge return asset query via an on-chain pledge asset return system for on-chain digital currency settlement;
fig. 5 is a schematic flow chart of a method for returning chain pledge assets through chain digital currency settlement according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In the first embodiment of the invention, the borrower is a user initiating the returning operation of the pledge assets; the lender is the user who returns the pledge assets after receiving the corresponding on-chain digital currency. 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 returns the debt to the lender through the on-chain digital currency repayment operation, and then the lender synchronously returns the pledge assets corresponding to the debt returned by the borrower to the borrower. In order to realize the synchronous return transaction of the digital currency payment on the chain and the pledge assets on the chain, a block chain 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 on-chain digital currency repayment operation to generate a digital currency transfer instruction, generates a pledge asset synchronous return instruction according to the digital currency transfer instruction, and then simultaneously sends the two instructions to the asset account book system; wherein, the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the synchronously returned pledge assets; the asset account book system respectively verifies the two instructions, executes the two instructions after the two instructions pass the verification, transfers the digital money to the lender through the control of the intelligent contract, and returns the pledge assets to the borrower. 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 an on-chain pledge asset return system through on-chain digital currency settlement in one embodiment of the present invention; as shown in fig. 1, a system 100 for returning chain pledge assets through chain digital currency settlement 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 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, and generating a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information. The borrower asset application terminal system 101 initiates chain collateral asset financing return request information through chain digital currency settlement based on lender account information and amount due selected and/or input by the borrower in the user interface; the borrower asset application terminal system 101 generates an on-chain digital money transfer instruction according to the return request information and signs the on-chain digital money transfer instruction, and then generates a pledge asset synchronous return instruction according to the on-chain digital money transfer instruction and signs the on-chain digital money transfer instruction; and then sending the on-chain digital money transfer instruction with the borrower signature and the pledge asset synchronous return instruction to the asset ledger system at the same time.
The asset ledger system 102 is configured to execute a first intelligent contract included in the transferred digital currency information and execute a second intelligent contract included in the pledge asset information, so as to verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction respectively; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address. The intelligent contract layer execution module of the asset account book system executes verification operation, and the verification operation comprises the following steps: (1) validating on-chain digital money transfer instructions: verifying a signature of said borrower digital money wallet in an on-chain digital money transfer instruction; 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 both, the digital money transfer instruction on the validation chain is confirmed to pass. (2) Verifying a pledge asset synchronous return instruction: verifying the signature of the borrower digital asset wallet in the pledge asset synchronous 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 synchronous return instruction; verifying whether the subsequent transaction calling parameters of the pledge assets meet the normal transfer triggering conditions or not; if so, the verification is confirmed to be passed. After the verification is passed, the intelligent contract layer execution module executes the on-chain digital currency transfer instruction and the pledge asset synchronous return instruction, spends the transferred digital currency information and generates transferred digital currency information corresponding to the lender digital currency wallet address, and spends the pledge asset information and generates pledge return asset information corresponding to the borrower asset account book address; wherein the lender digital currency wallet may be in the lender asset application terminal 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.
It should be noted that the on-chain pledge return system through on-chain digital currency settlement in the embodiment of the present invention is adapted to: (1) while repaying the money once, returning the pledge assets once; (2) and (4) partially repaying the pledge assets at the same time of partial repayment, namely in each chain pledge asset repayment process, the transferred digital currency is equivalent to the returned pledge assets.
Fig. 2 is a schematic view of the main process of the pledge asset return through the on-chain pledge asset return system for on-chain digital currency settlement according to an embodiment of the present invention. As shown in fig. 2, a main process of returning chain pledge assets through chain digital currency settlement according to a first embodiment of the present invention includes the following steps:
step S201: and the borrower accesses the borrower asset application terminal system installed on the borrower terminal equipment, submits the identification information according to a preset login identification mode and logs in the borrower asset application terminal system. The asset application terminal system 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 chain payment through digital money, generates a chain digital money transfer instruction containing transferred digital money information based on the quantity of digital money to be returned and lender information selected and/or input by the borrower, and generates a pledge asset synchronous return instruction containing pledge asset information according to the chain digital money transfer instruction; and then sending the on-chain digital money transfer instruction with the borrower signature and the pledge asset synchronous return instruction to the asset ledger system. The amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information. Interest is also included in the amount of the financing repayment, so the pledge assets generally exceed the amount of the financing repayment.
In an alternative embodiment, the on-chain digital money transfer instructions include: the information of the transferred digital currency, the information of the transferred digital currency and the information of the retrieved digital currency are obtained; 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; the transferred digital currency information needs to contain a transferred digital currency index identifier, which can be used 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 is based on the borrower digital currency wallet address information selected and/or input by the borrower and digital currency transfer instructions on the digital currency payment generation chain, and the amount of the digital currency payment is equivalent to the financing repayment amount corresponding to the synchronously returned pledge assets. The first smart contract contained in the transferred digital currency information in the on-chain digital currency transfer instructions may control subsequent transactions of the transferred digital currency.
The pledge asset synchronous returning instruction refers to a returning instruction which is initiated by the borrower to the intelligent contract layer execution module and aims at pledge asset information, and the instruction is used for triggering execution of a second intelligent contract (namely, the pledge asset is changed into the second intelligent contract of pledge asset returning asset information) contained in the pledge asset information in the pledge asset returning instruction.
In an alternative embodiment, the pledge asset synchronous return instruction comprises: the system comprises pledge asset information, pledge return asset information and pledge asset follow-up transaction calling parameters.
Pledge asset information refers to on-chain asset information pledged by a borrower to a lender and may include: the method comprises the following steps that a second intelligent contract and the quantity details of the pledge assets are used for controlling the subsequent transaction of the pledge assets, the second intelligent contract comprises verification of the subsequent transaction triggering conditions of the pledge assets, the subsequent transaction triggering conditions of the pledge assets comprise pledge asset returning triggering conditions, pledge asset clearing triggering conditions and the like, and the subsequent transaction triggering conditions of the pledge assets can be specifically set according to the agreement of two parties to the transaction; the pledge asset subsequent transaction calling parameter refers to a parameter to be called when the second intelligent contract contained in the pledge asset information is executed, and the parameter can be the execution state of the digital money transfer instruction.
The pledge return asset information refers to digital assets which are generated after executing a second intelligent contract contained in pledge asset information and can be subjected to subsequent transfer and other transactions by the borrower and correspond to the borrower asset account book address; pledge returning assets may include: the second intelligent contract for the subsequent transaction of the pledge return asset and the pledge return asset is controlled, wherein the pledge return asset detail comprises: the borrower's asset account book address, the pledge return asset index identification, the number of received return assets, etc. It should be noted that the pledge asset information and the pledge return asset information both include a second intelligent contract for subsequent transactions, and the second intelligent contract includes trigger conditions for the subsequent transactions and verification of the trigger conditions. Wherein the pledge returned asset details need to include a pledge returned asset index identifier for identifying designation when retrieving asset information to indicate that the pledge returned asset is identified based on the asset serial number or the asset index schema, rather than based on the account schema.
The triggering condition for synchronous returning of the pledge assets can be that the borrower corresponding to the pledge assets initiates an on-chain digital money transfer instruction, and after trial operation, the on-chain digital money transfer instruction is determined to be successfully executed. For example, the borrower of both parties of the transaction initiates the on-chain digital currency repayment payment operation, and sets that the borrower must successfully execute the on-chain digital currency transfer instruction, and then can finally complete the generation of the pledge return asset with the asset account book address as the lender's pledge asset and the asset account book address as the borrower.
Step S203: an intelligent contract layer execution module of the asset account book system respectively verifies the on-chain digital currency transfer instruction and the pledge asset synchronous return instruction, and 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 simultaneously spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset ledger address.
Specifically, the asset ledger system executes a first intelligent contract contained in the transferred digital currency information and executes a second intelligent contract contained in the pledge asset information to verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction respectively; after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, and transferring the transferred digital currency to the lender; and simultaneously spending the pledge asset information, generating pledge return asset information corresponding to the asset account book address of the borrower, and returning pledge assets to the borrower.
The verification process comprises the following steps: (1) validating on-chain digital money transfer instructions: verifying a signature of said borrower digital money wallet in an on-chain digital money transfer instruction; 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 both, the digital money transfer instruction on the validation chain is confirmed to pass. (2) Verifying a pledge asset synchronous return instruction: verifying the signature of the borrower digital asset wallet in the pledge asset synchronous 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 synchronous return instruction; verifying whether the subsequent transaction calling parameters of the pledge assets meet the normal transfer triggering conditions or not; if so, the verification is confirmed to be passed.
Step S204: and an intelligent contract layer execution module of the asset account book system records execution result information of the on-chain digital money transfer instruction and the pledge asset synchronous return instruction to an execution module of a consensus account book layer. The intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the 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 two: before the transaction, the two parties of the transaction need to do some preparation work, such as logging in the respective asset application terminal systems, inquiring the respective held chain assets, and the like. In the second embodiment, the borrower inquires 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 on-chain repayment payment according to the payable amount based on the inquired pledge asset information and the pledge asset return triggering condition 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. 3 is a schematic view of the main process of the pledge asset return by the on-chain pledge asset return system for digital currency settlement in the second embodiment of the present invention. As shown in fig. 3, the main process of returning the pledge asset through the on-chain pledge asset returning system for on-chain digital currency settlement in 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.
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 S306. 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 S303 to S305 are the process of the borrower user querying and obtaining the borrower chain digital currency query request information:
step S303: 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 S304: 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 S305: 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 request for returning the pledge assets on the chain through the settlement of the digital currency on the chain after inputting the quantity of the transferred digital currency and the address of the digital currency wallet of the lender.
Steps S306 to S308 are processes of inquiring and obtaining the digital currency inquiry request information on the lender chain by the lender user, and the implementation principle is the same as steps S303 to S305.
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.
Step S309: after the borrower digital money wallet in the borrower asset application terminal system receives the on-chain pledge asset return request through the on-chain digital money settlement in step S305, an on-chain digital money transfer instruction containing the information of the transferred digital money is generated according to the digital money type selected by the borrower, the input amount of the transferred digital money and the digital money wallet address of the lender, and the signed on-chain digital money transfer instruction is signed, and then the signed on-chain digital money transfer instruction is transmitted to the receiver digital asset wallet. In this embodiment, the first smart contract included in the transferred digital currency information in the digital currency transfer instructions on the chain may trigger a subsequent transaction of the transferred digital currency.
Step S310: and after verifying the signature of the digital money transfer instruction on the chain by the borrower digital asset wallet, generating a pledge asset synchronous return instruction containing pledge asset information according to the instruction.
The pledge asset synchronous return instruction comprises the following steps: the pledge asset information, pledge return asset information, pledge asset subsequent transaction calling parameters and the like. The pledge asset subsequent transaction calling parameter refers to a parameter which needs to be called when a second intelligent contract contained in pledge asset information is executed; the pledge return asset information refers to the asset that is finally returned to the borrower after the execution of the second intelligent contract included in the pledge asset information. After the borrower digital asset wallet generates a pledge asset synchronous return instruction, signing the pledge asset synchronous return instruction by using a borrower digital asset wallet user private key; then, sending an on-chain digital money transfer instruction with the private key signature of the borrower digital money wallet user and a pledge asset synchronous return instruction with the private key signature of the borrower digital asset wallet user to an intelligent contract layer execution module to trigger the intelligent contract layer execution module to execute the on-chain digital money transfer instruction and the pledge asset synchronous return instruction;
wherein, the parameters for the subsequent transaction of the pledge asset may be, in some embodiments:
the borrower takes the execution result of the on-chain digital money transfer instruction as a calling parameter of a second intelligent contract of the pledge asset, and the object of the pledge asset synchronous return instruction operation is pledge asset, so after the asset ledger system executes the on-chain digital money transfer instruction, the execution result is taken as the calling parameter to call the second intelligent contract of the pledge asset for verification, and after the verification is passed, the pledge asset synchronous return instruction is executed.
Step S311: an intelligent contract layer execution module of the asset account book system respectively verifies the on-chain digital money transfer instruction and the pledge asset synchronous return instruction; and after the verification is passed, executing an on-chain digital currency transfer instruction and a pledge asset synchronous return instruction, spending the transferred digital currency information, generating transferred digital currency information corresponding to the lender, spending the pledge asset information at the same time, 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 S203.
Step S312: and an intelligent contract layer execution module of the asset account book system records the execution result information of the digital money transfer instruction on the chain and the execution result information of the pledge asset synchronous return instruction to a consensus account book layer execution module. Namely, the intelligent contract layer execution module records the following two execution results to the consensus ledger layer execution module: (1) spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the lender's on-chain digital currency wallet address; (2) and simultaneously spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset ledger address.
Example three: in the second embodiment, after the step S312 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. 4 is a schematic diagram of a main process flow of an online pledge asset return system for online pledge asset return inquiry according to a third embodiment of the present invention; as shown in fig. 4, a main flow of return asset query of on-chain pledge assets through on-chain digital currency settlement in the fourth embodiment of the present invention includes the following steps:
step S401: 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 S402: 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 S403: 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 S404: 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 S405: 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 S406: 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 S404 to step S406 may be executed first, and then step S401 to step S403 may be executed.
FIG. 5 is a schematic flow chart of a method for on-chain pledge asset return through on-chain digital currency settlement in one embodiment of the present invention; as shown in fig. 5, a method for returning chain pledge assets through chain digital currency settlement in a first embodiment of the present invention mainly includes the following steps:
step S501: the borrower asset application terminal system generates an on-chain digital money transfer instruction containing the transferred digital money information based on the amount of the digital money to be returned and the lender information selected and/or input by the borrower, and generates a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information.
Specifically, the borrower asset application terminal system generates an on-chain pledge asset returning request for settlement through on-chain digital money based on the amount of digital money to be returned and lender information selected and/or input by the borrower in the user interface, the borrower asset application terminal system 101 generates an on-chain digital money transfer instruction according to the returning request information and signs the on-chain digital money transfer instruction, and then generates a pledge asset synchronous returning instruction according to the on-chain digital money transfer instruction and signs the on-chain digital money transfer instruction; and then, sending the on-chain digital money transfer instruction with the user private key signature of the borrower and the pledge asset synchronous return instruction to the asset ledger system at the same time.
Step S501: the asset ledger system executes a first intelligent contract contained in the transferred digital currency information and executes a second intelligent contract contained in the pledge asset information to verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction respectively; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address.
The intelligent contract layer execution module of the asset ledger system executes verification operations, including: (1) validating on-chain digital money transfer instructions: verifying a signature of said borrower digital money wallet in an on-chain digital money transfer instruction; 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 both, the digital money transfer instruction on the validation chain is confirmed to pass. (2) Verifying a pledge asset synchronous return instruction: verifying the signature of the borrower digital asset wallet in the pledge asset synchronous 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 synchronous return instruction; verifying whether the subsequent transaction calling parameters of the pledge assets meet the normal transfer triggering conditions or not; if so, the verification is confirmed to be passed. After the verification is passed, the intelligent contract layer execution module executes the pledge asset synchronous returning instruction and the pledge asset synchronous returning instruction, costs the transferred digital currency information, generates transferred digital currency information corresponding to the lender digital currency wallet address, costs the pledge asset information, and generates pledge returning asset information corresponding to the borrower asset account book address; wherein the lender digital currency wallet may be in the lender asset application terminal system.
It should be noted that the on-chain pledge return system through on-chain digital currency settlement in the embodiment of the present invention is adapted to: (1) while repaying the money once, returning the pledge assets once; (2) and (4) partially repaying the pledge assets at the same time of partial repayment, namely in each chain pledge asset repayment process, the transferred digital currency is equivalent to the returned pledge assets.
According to the technical scheme of the embodiment of the invention, the borrower asset application terminal system initiates an on-chain digital currency transfer instruction, initiates the operation of synchronously returning the pledge assets according to the on-chain digital currency transfer instruction, the asset ledger system executes the two instructions simultaneously, and generates the transferred digital currency information and pledge returned asset information simultaneously.
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 (11)

1. An on-chain pledge asset return system settled through on-chain digital currency, 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 money 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, and generating a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information;
the asset ledger system is used for executing a first intelligent contract contained in the transferred digital currency information and executing a second intelligent contract contained in the pledge asset information so as to respectively verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address.
2. The system of claim 1, wherein the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;
the borrower asset application terminal system generates an on-chain digital money transfer instruction containing information for the transferred digital money, comprising: the borrower digital money wallet generates on-chain digital money transfer instructions containing information on the digital money to be transferred;
the on-chain digital money transfer instructions include: the information of the transferred digital currency, the information of the transferred digital currency and the information of the retrieved digital currency; the transferred digital money information includes: the 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 borrower digital currency wallet is further to: the on-chain digital money transfer instructions are signed and then the on-chain digital money transfer instructions with the borrower digital money wallet signature are sent to the borrower digital asset wallet.
3. The system of claim 2, wherein the borrower asset application terminal system generating a pledge asset synchronous return instruction containing pledge asset information based on the on-chain digital money transfer instruction comprises:
after the borrower digital asset wallet receives an on-chain digital money transfer instruction with a borrower digital money wallet signature sent by a borrower digital money wallet, verifying the borrower digital money wallet signature on the on-chain digital money transfer instruction; after the verification is passed, generating a pledge asset synchronous return instruction containing pledge asset information according to the on-chain digital money transfer instruction;
the pledge asset synchronous return instruction comprises the following steps: the pledge asset information, the pledge return asset information, and the pledge asset subsequent transaction calling parameters; the pledge asset subsequent transaction calling parameter is the execution state of the digital money transfer instruction; the pledge asset information includes: the system comprises a pledge asset index identifier, a second intelligent contract and pledge asset quantity, wherein the second intelligent contract controls the subsequent transaction of pledge assets, the second intelligent contract comprises pledge asset subsequent transaction triggering condition verification, and the pledge asset subsequent transaction triggering condition comprises pledge asset return triggering condition;
the borrower digital asset wallet is further to: signing the pledge asset synchronous return instruction, and then sending an on-chain digital currency transfer instruction with a borrower digital currency wallet signature and a pledge asset synchronous return instruction with a borrower digital asset wallet signature to the asset ledger system.
4. The system of claim 3, wherein the asset ledger system validating the on-chain digital money transfer instructions with the borrower digital money wallet signature comprises:
verifying the signature of the borrower digital money wallet in the on-chain digital money transfer instructions; after the verification of the signature is confirmed to pass,
searching the authorized person address of the transferred digital currency according to the transferred digital currency information; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the borrower digital currency wallet signature of the digital currency transfer instruction on the chain; and the number of the first and second groups,
verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the details of the digital currency asset after the transfer and the amount of digital currency received for the details of the digital currency asset retrieved;
if yes, the verification is confirmed to be passed.
5. The system of claim 4, wherein the asset ledger system validates the pledge asset synchronous refund instruction with borrower digital asset wallet signature, comprising:
verifying the signature of the borrower digital asset wallet in the pledge asset synchronous 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 synchronous return instruction; and the number of the first and second groups,
verifying whether the subsequent transaction calling parameters of the pledge assets meet the normal transfer triggering conditions or not;
if so, the verification is confirmed to be passed.
6. The system of claim 4, wherein the borrower digital money wallet, prior to generating the on-chain digital money transfer instructions, is further configured to:
generating digital currency query request information on a borrower chain according to query requirements input and/or selected by the borrower in an asset query function interface on the chain; and sending a digital currency query request message on the borrower chain with the borrower digital currency wallet signature to the asset ledger system;
the asset ledger system is further configured to: verifying the digital currency query request information on the borrower chain with the signature of the borrower digital currency wallet, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to the borrower digital currency wallet in the borrower asset application terminal system;
the borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.
7. The system of claim 5,
the asset ledger system is further for: after the on-chain digital money transfer instruction and the pledge asset synchronous return instruction are verified, under the condition that at least one of the two verifications is not passed, the two instructions are cancelled at the same time.
8. The system of claim 4, 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 is generating on-chain digital money transfer instructions, the lender digital money wallet is 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.
9. The system of any one of claims 1 to 8, 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.
10. The system of any one of claims 1 to 8, 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.
11. A method of on-chain pledge asset return through on-chain digital currency settlement, comprising:
the borrower asset application terminal system generates an on-chain digital money transfer instruction based on the amount of the digital money to be returned and lender information selected and/or input by the borrower, and generates a pledge asset synchronous return instruction according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the borrower signature and a pledge asset synchronous return instruction to the asset account book system; the amount of the digital currency to be returned is equivalent to the financing repayment amount corresponding to the pledge assets returned synchronously, and the pledge asset synchronous returning instruction comprises pledge asset information;
the asset ledger system executes a first intelligent contract contained in the transferred digital currency information of the on-chain digital currency transfer instruction and a second intelligent contract contained in the pledge asset information of the pledge asset synchronous return instruction so as to respectively verify the on-chain digital currency transfer instruction with the borrower signature and the pledge asset synchronous return instruction; and after the verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the lender, spending the pledge asset information, and generating pledge return asset information corresponding to the borrower's asset book address.
CN201910717809.9A 2019-08-05 2019-08-05 On-chain pledge asset return system and method through on-chain digital currency settlement Pending CN110619566A (en)

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