CN110659977A

CN110659977A - On-chain pledge asset compensation system and method through on-chain digital currency settlement

Info

Publication number: CN110659977A
Application number: CN201910717942.4A
Authority: CN
Inventors: 孟江华
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-08-05
Filing date: 2019-08-05
Publication date: 2020-01-07

Abstract

The invention discloses a chain pledge asset compensation system and method for settling accounts through chain digital currency, and relates to the technical field of digital assets. One embodiment of the system comprises: under the condition that the lender asset application terminal system determines that the borrower does not pay enough money, generating a first pledge asset compensation command containing pledge asset information according to the pledge asset information, and sending the first pledge asset compensation command with the lender signature to the asset book system; the asset ledger system executes an intelligent contract contained in the pledge asset information to verify the first pledge asset clearing instruction with the lending signature; after the verification is passed, spending the pledge asset information, and generating pledge return asset information and pledge liquidation 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 on-chain digital currency settlement

Technical Field

The invention relates to the technical field of digital assets, in particular to a chain pledge asset clearing system and a chain pledge asset clearing method for clearing through 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 compensation system and method for performing on-chain digital currency settlement, where a lender asset application terminal system generates a first pledge asset compensation command including pledge asset information according to pledge asset information when determining that a borrower is not paying enough, and an asset ledger system executes an intelligent contract included in pledge asset information 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 on-chain digital currency settlement, including: 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 a borrower is sufficient for repayment according to the pledge asset information in the asset book system, generating a first pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sending the first pledge asset compensation command with a lender signature to the asset book system;

the asset ledger system is used for executing an intelligent contract contained in the pledge asset information 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

Optionally, the first pledge asset redemption instruction further includes: the pledge return asset information, the pledge compensation asset information and a first pledge asset subsequent calling parameter; the first pledge asset subsequent calling parameter is a pledge repayment state at the due date of repayment preset in an intelligent contract contained in the pledge asset information; the pledge asset information includes: the property book address of the lender, the pledge property index identification, the intelligent contract for controlling the subsequent transaction of pledge property, the pledge property quantity and the repayment transaction information; the intelligent contract comprises verification of a subsequent pledge asset transaction triggering condition, and the subsequent pledge asset transaction triggering condition comprises a pledge asset clearing triggering condition;

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 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 the number of the first and second groups,

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

Optionally, before the lender asset application terminal system generates the first pledge asset liquidation instruction containing the pledge asset information, the lender asset application terminal system is further configured to:

generating first repayment condition query request information comprising lender account information according to query requirements input and/or selected by the lender in an asset query function interface on the chain; sending a first repayment condition query request message with the lending party signature to the asset account book system;

the asset ledger system is further configured to: verifying the first repayment condition inquiry request information with the lender signature; after the verification is passed, determining repayment condition query result information according to the pledge asset information, adding a signature to the repayment condition query result information, and returning the repayment condition query result information to the lender asset application terminal system;

the lender asset application terminal system is further configured to: and verifying the repayment condition inquiry result information, and displaying the digital currency inquiry result information on the borrower chain to the lender after the verification is passed.

Optionally, the system further comprises: a borrower asset application terminal system;

before the lender asset application terminal system generates a first pledge asset compensation instruction including the pledge asset information, the borrower asset application terminal system is further configured to:

generating second repayment condition query request information comprising borrower account information according to query requirements input and/or selected by the borrower in the asset query function interface on the chain; sending a second repayment condition query request message with the borrower signature to the asset account book system;

the asset ledger system is further configured to: verifying the second repayment inquiry request information with the borrower signature; after the verification is passed, determining repayment condition query result information according to the pledge asset information, adding a signature to the repayment condition query result information, and returning the repayment condition query result information to the borrower asset application terminal system;

the borrower asset application terminal system is further configured to: and verifying the repayment condition inquiry result information, and displaying the digital currency inquiry result information on the borrower chain to the borrower after the verification is passed.

the borrower asset application terminal system is used for judging whether a borrower is sufficient for repayment according to the pledge asset information in the asset book system, generating a second pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sending the second pledge asset compensation command with a borrower signature to the asset book system;

the asset ledger system is used for executing an intelligent contract contained in the pledge asset information to verify the second pledge asset compensation command with the borrower 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

Optionally, the second pledge asset redemption instruction further comprises: the pledge return asset information, the pledge liquidation asset information and a second pledge asset subsequent calling parameter; the second pledge asset subsequent calling parameter is a pledge repayment state at the due date of repayment preset in the intelligent contract contained in the pledge asset information; the pledge asset information includes: the property book address of the lender, the pledge property index identification, the intelligent contract for controlling the subsequent transaction of pledge property, the pledge property quantity and the repayment transaction information; the intelligent contract comprises verification of a subsequent pledge asset transaction triggering condition, and the subsequent pledge asset transaction triggering condition comprises a pledge asset clearing triggering condition;

verifying the second pledge asset redemption instruction with the lender 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.

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 clearance system through on-chain digital currency settlement.

An on-chain pledge asset clearance 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,

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

The online pledge asset compensation method through online digital currency settlement according to the embodiment of the present invention includes: the lender asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset ledger system, generates a first pledge asset compensation instruction containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the first pledge asset compensation instruction with the lender signature to the asset ledger system;

the asset ledger system executes an intelligent contract contained in the pledge asset information to verify the first pledge asset compensation command with the lender signature, and after the verification is passed, costs the pledge asset information 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

The online pledge asset compensation method through online digital currency settlement according to the embodiment of the present invention includes: the borrower asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset book system, generates a second pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the second pledge asset compensation command with borrower signature to the asset book system;

the asset ledger system executes an intelligent contract contained in the pledge asset information to verify the second pledge asset compensation command with the borrower signature, and after the verification is passed, costs the pledge asset information 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

One embodiment of the above invention has the following advantages or benefits: the lender asset application terminal system generates a first pledge asset compensation command containing pledge asset information according to pledge asset information capable of inquiring the repayment condition under the condition of determining that the borrower does not pay in sufficient amount, and the asset ledger book system executes an intelligent contract contained in the pledge asset information to generate pledge returned asset information and pledge compensated asset information, so that the complete transaction process of compensation of pledge assets on the chain is realized by the above method, and the compensation and return processes of pledge assets on the chain are controlled by using the intelligent contract, thereby ensuring the rights and interests of both parties of the transaction and reducing the transaction risk; 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 an on-chain pledge asset clearance system through on-chain digital currency settlement in one embodiment of the present invention;

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

FIG. 3 is a schematic view of the main process flow of asset compensation by the on-chain pledge asset compensation system for on-chain digital currency settlement according to the second embodiment of the present invention;

FIG. 4 is a schematic view of the main process flow of asset compensation by the chain pledge asset compensation system of the third embodiment of the present invention;

FIG. 5 is a schematic view showing the main process of the system for on-chain pledge asset clearance for pledge return of assets and pledge clearance asset query according to the fourth embodiment of the present invention;

FIG. 6 is a schematic flow chart of a method for online pledge asset compensation through online digital currency settlement according to one embodiment of the present invention.

Fig. 7 is a schematic flow chart of a method for online pledge asset compensation through online digital currency 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.

The borrower performs on-chain digital currency repayment operation on the pledge assets, and updates repayment transaction information during each digital currency transfer into pledge asset information of the asset account book system; when the preset repayment due date is reached, but the borrower does not clear all the debts to the lender on time, the lender and/or the borrower can trigger an intelligent contract in the pledge asset information, a pledge asset clearing instruction is sent to the asset book system, the asset book system executes the intelligent contract contained in the pledge asset clearing instruction, the pledge assets which are paid by the borrower are returned to the borrower, and the pledge assets which are not paid by the borrower are cleared and given to the borrower. In the implementation process, the transaction process of the two transaction parties (namely the borrower and the lender) is controlled through the intelligent contract, the transaction is safe and reliable, and the transaction risk is prevented.

FIG. 1 is a schematic diagram of the major subsystems of an on-chain pledge asset clearance system through on-chain digital currency settlement in one embodiment of the present invention. As shown in fig. 1, a system 100 for online pledge asset clearance through online digital currency settlement according to a first embodiment of the present invention mainly includes:

the lender asset application terminal system 101 is configured to judge whether a borrower is sufficient for repayment according to the pledge asset information in the asset book system, generate a first pledge asset compensation instruction including the pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and send the first pledge asset compensation instruction with a lender signature to the asset book system.

The lender asset application terminal system can actively obtain a repayment condition query result by querying the pledge asset information on the repayment due date, and then judge whether the borrower is sufficient for repayment or not based on the repayment condition query result and the repayment amount, wherein the repayment amount is the on-chain digital money which is transferred to the lender when the borrower performs the sufficient repayment aiming at the pledge asset; and if the borrower does not pay in the payment deadline, generating a first pledge asset compensation command according to pledge asset information, signing the first pledge asset compensation command by using the private key of the lender, and sending the first pledge asset compensation command with the private key signature of the lender to the asset account book system.

The asset ledger system 102 is configured to execute an intelligent contract included in the pledge asset information to verify the first pledge asset compensation command with the lender signature, spend the pledge asset information after the verification is passed, and generate 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment 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 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.

The meaning of "cost" in "cost a message, generate corresponding B message" can be understood as: and generating a corresponding B message according to the A message, marking the state of the A message as a spent state, and establishing an incidence relation representing the expense with the B message. The meaning of "cost" throughout can be understood as above.

FIG. 2 is a schematic view of the main process flow of asset compensation by the on-chain pledge asset compensation system for on-chain digital currency settlement according to one embodiment of the present invention. As shown in fig. 2, the main process of asset compensation through the chain pledge asset compensation system for chain digital currency settlement in 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 pledge asset information. The lender asset application terminal system can calculate the non-repayment amount of the pledge asset according to the repayment transaction information in the pledge asset information on the repayment due date, if the non-repayment amount of the pledge asset is 0, the borrower is proved to have sufficient repayment, and the pledge asset can be directly returned to the borrower; if the non-repayment amount of the pledge asset is more than 0, the borrower is indicated to be not fully repayed within the repayment period.

Step S203: and the lender asset application terminal system generates a first pledge asset compensation command according to the pledge asset 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 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 system comprises the following steps of pledge asset information, pledge asset subsequent transaction calling parameters, pledge return asset information, pledge clearing asset information and the like. The pledge asset information refers to the information of the chain assets pledged by the borrower to the lender, and may include: the method comprises the following steps of (1) lending an asset account book address of a lender, a pledge asset index identification, an intelligent contract for controlling subsequent transaction of pledge assets, pledge asset quantity and repayment transaction information; 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, the parameter can be a pledge repayment state of pledge assets at a preset repayment due date, and the repayment due date can be set in the intelligent contract contained in pledge asset information; 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 may include: the pledge asset detail comprises the following components of pledge asset detail, intelligent contracts for controlling subsequent transaction of pledge asset, repayment transaction information and the like, wherein the pledge asset detail comprises: the method comprises the steps of lending an asset account book address of a lender, receiving the quantity of pledges, index identification of pledges and the like, wherein the intelligent contract comprises verification of a trigger condition of subsequent transaction of pledges. 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 triggering condition for the pledge asset compensation can be a query result that after the preset repayment due date, the borrower or lender side asset book system queries transaction information of partial repayment of the pledge asset, the calculated unpaid amount of the pledge amount is larger than 0 according to the repayment total amount and the repayment total amount, and after the unpaid amount is confirmed to be larger than 0, an intelligent contract in the pledge asset information can be triggered to carry out pledge asset compensation operation. For example, if the borrower of both parties of the transaction does not perform the on-chain digital money transfer operation for the pledge asset within the repayment deadline, or the on-chain digital money transfer operation for the pledge asset is initiated within the repayment deadline but the pledge is not paid for the full amount, then when the repayment is due, the borrower or the lender can query the repayment condition of the pledge asset to trigger the intelligent contract therein, perform the pledge asset compensation operation, and complete the generation of the pledge asset with the asset ledger address of the lender as the pledge return asset of the borrower and the pledge compensation asset with the asset ledger address of the lender as the lender.

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 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. 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: checking whether a first pledge asset subsequent transaction calling parameter contained in the first pledge asset compensation command meets pledge asset compensation triggering conditions specified in the intelligent contract or not by using an intelligent contract contained in pledge asset information; and 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 command. 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 of the borrower and obtain the pledge asset repayment condition query result information. The concrete implementation is as follows:

fig. 3 is a schematic view showing the main flow of asset compensation by the on-chain pledge asset compensation system 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.

The borrower and the lender inquire the pledge asset information of the lender about the pledge of the borrower through respective asset application terminal systems and a common account book layer execution module of the asset account book system, wherein the pledge asset information comprises repayment transaction information of pledge assets.

The following steps S303 to S305 are procedures for the lender user to inquire and obtain the first repayment inquiry request information on the pledge asset:

step S303: the lender asset application terminal system displays an on-chain asset query function interface to the lender on the lender terminal device, generates first repayment condition query request information according to query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sends the first repayment condition query request information with the lender digital signature to a financial account book layer execution module of the asset financial account book system.

The first payment condition inquiry request information may include: lender account information, etc.

Step S304: and the common identification ledger layer execution module of the asset ledger system verifies the first repayment condition query request information, determines first repayment condition query result information according to the pledge asset information after the first repayment condition query request information passes the verification, adds a signature to the first repayment condition query result information and returns the first repayment condition query result information to the lender asset application terminal system. Wherein the verifying the content comprises: and verifying the signature of the first repayment condition inquiry request information.

The process of determining the first repayment condition query result information according to the pledge asset information may be: calculating the non-repayment amount of the pledged asset according to the repayment transaction information in the pledged asset information, and taking the non-repayment amount of the pledged asset as a first repayment condition query result; the repayment transaction information may be stored in the form of a digital currency repayment list;

the first payment condition query result may further include: the system comprises inquiry request information with a debit signature, a repayment digital currency type, an effective initial block information list corresponding to the repayment digital currency type number and the like.

Step S305: and the lender asset application terminal system verifies the signature of the first repayment condition inquiry result information, and displays the first repayment condition inquiry result information to the lender after the verification is passed. The lender can know the transaction of partial repayment of the pledge asset according to the displayed first repayment condition query result information, triggers pledge asset compensation operation under the condition that the unpaid amount is greater than 0 according to the total amount to be repayed and the total amount to be repayed, and sends pledge asset compensation instructions to the intelligent contract layer execution module.

Similarly, the borrower may also query and obtain the transaction of partial repayment of the pledge asset according to steps S303 to S305, and trigger pledge asset compensation operation and send pledge asset compensation instructions to the intelligent contract layer execution module when the unreleased amount is greater than 0 according to the total amount to be repayed and the total amount to be repayed.

The following description will take the lender initiating the pledge asset compensation command as an example.

Step S306: 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 first pledge asset subsequent transaction calling parameter included in the first pledge asset compensation instruction is a pledge repayment state at a repayment due date preset in the intelligent contract included in the pledge asset information. 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 S307: 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. Wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender. This step is the same as the implementation of step S204.

Step S308: 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 can also obtain the transaction of partial repayment of the pledge asset by inquiring and under the condition that the calculated unpaid amount is greater than 0 according to the total amount to be repayed and the total amount to be repayed, the pledge asset compensation operation is triggered, so that in the third embodiment, the borrower initiates a pledge asset compensation instruction as an example, and the online pledge asset compensation method for settling accounts through the online digital currency is explained. The concrete implementation is as follows:

fig. 4 is a schematic view of the main flow of asset compensation by the chain pledge asset compensation system of the chain digital currency settlement according to the third embodiment of the present invention. As shown in fig. 4, the main flow of asset compensation by the chain pledge asset compensation system in the third embodiment of the present invention, the steps S401 and S402 in the third embodiment are the same as the steps S301 and S302 in the second embodiment, and will not be described again. The method comprises the following steps:

steps S403 to S405 are processes in which the borrower user inquires and obtains the second repayment inquiry request information on the pledge asset:

step S403: the borrower asset application terminal system displays an on-chain asset query function interface to the borrower on the borrower terminal device, generates second repayment condition query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface, and then sends the second repayment condition query request information with the borrower digital signature to a consensus ledger layer execution module of the asset ledger system.

The second payment situation inquiry request information may include: debit account information, etc.

Step S404: and the consensus ledger layer execution module of the asset ledger system verifies the second repayment condition query request information, determines second repayment condition query result information according to the pledge asset information after the verification is passed, adds a signature to the second repayment condition query result information and returns the second repayment condition query result information to the borrower asset application terminal system. Wherein the verifying the content comprises: and verifying the signature of the second repayment condition inquiry request information.

The process of determining the second repayment condition query result information according to the pledge asset information may be: calculating the non-repayment amount of the pledged asset according to the repayment transaction information in the pledged asset information, and taking the non-repayment amount of the pledged asset as a second repayment condition query result; the repayment transaction information may be stored in the form of a digital currency repayment list;

the second payment condition query result may further include: the system comprises inquiry request information with a borrower signature, a repayment digital currency type, an effective initial block information list corresponding to the repayment digital currency type number and the like.

Step S405: and the asset application terminal system of the borrower verifies the signature of the second repayment condition inquiry result information, and displays the second repayment condition inquiry result information to the borrower after the verification is passed. The borrower can know the transaction of partial repayment of the pledge asset according to the displayed second repayment condition query result information, triggers pledge asset compensation operation under the condition that the unpaid amount is greater than 0 according to the total amount to be repayed and the total amount to be repayed, and sends pledge asset compensation instructions to the intelligent contract layer execution module.

Step S406: and the borrower asset application terminal system generates a second pledge asset compensation command according to the collection information under the condition that the borrower does not pay enough, 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. In this embodiment, the second pledge asset subsequent transaction calling parameter included in the second pledge asset compensation instruction is a pledge repayment state at a repayment due date preset in the intelligent contract included in the pledge asset information. And after the borrower asset application terminal system generates a second pledge asset clearing instruction, signing the second pledge asset clearing instruction by using the user private key of the borrower, and then sending the second pledge asset clearing instruction with the signature of the user private key of the borrower to the intelligent contract layer execution module so as to trigger the intelligent contract layer execution module to execute the intelligent contract in the second pledge asset clearing instruction.

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. Wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender. This step is the same as the implementation of step S204.

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. This step is the same as the implementation process of step S205.

Example four: after the second embodiment has executed step S308 and the third embodiment has executed step S408, the borrower may query the chain asset information returned by the pledge through the asset application terminal system of the borrower, and the lender may query the chain asset information for pledge compensation through the asset application terminal system of the lender, so as to confirm that the financing compensation is completed. The specific implementation process is as follows:

fig. 5 is a schematic view showing the main flow of the pledge return asset and pledge compensation asset query performed by the on-chain pledge asset compensation system for on-chain digital currency settlement according to the fourth embodiment of the present invention. As shown in fig. 5, the main process of the pledge return asset and pledge clearance asset query performed by the online pledge asset clearance system for online digital currency settlement in the fourth embodiment of the present invention includes the following steps:

step S501: 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 S502: 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 S503: 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 S504: 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 S505: 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 S506: 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 S504 to step S506 may be executed first, and then step S501 to step S503 may be executed.

FIG. 6 is a schematic flow chart of a method for online pledge asset compensation through online digital currency settlement according to one embodiment of the present invention. As shown in fig. 6, a method for clearing an online pledge asset through online digital currency settlement according to a first embodiment of the present invention mainly includes the following steps:

step S601: the lender asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset ledger system, generates a first pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the first pledge asset compensation command with the lender signature to the asset ledger system.

The lender asset application terminal system can obtain the non-repayment amount of the pledged asset by inquiring repayment transaction information in the pledged asset information on the repayment due date, further obtain the repayment condition of the borrower on the pledged asset, and judge whether the borrower is full of the repayment based on the repayment condition; in the embodiment, when the unpaid amount is larger than 0, the borrower can be confirmed to be unpaid in the repayment period; and if the borrower does not pay in the payment deadline, generating a first pledge asset compensation command according to pledge asset information, signing the first pledge asset compensation command by using the user private key of the lender, and sending the first pledge asset compensation command with the user private key signature of the lender to the asset account book system.

Step S602: the asset ledger system executes an intelligent contract contained in the pledge asset information to verify the first pledge asset compensation command with the lender signature, and after the verification is passed, costs the pledge asset information and generates 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

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

step S701: the borrower asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset book system, generates a second pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the second pledge asset compensation command with borrower signature to the asset book system;

the borrower asset application terminal system can obtain the non-repayment amount of the pledged asset by inquiring repayment transaction information in the pledged asset information on the repayment due date, further obtain the repayment condition of the borrower on the pledged asset, and judge whether the borrower is full of the repayment condition or not; in the embodiment, when the unpaid amount is larger than 0, the borrower can be confirmed to be unpaid in the repayment period; and if the borrower does not pay in the payment deadline, generating a second pledge asset compensation command according to pledge asset information, signing the second pledge asset compensation command by using the user private key of the borrower, and sending the second pledge asset compensation command with the user private key signature of the borrower to the asset account book system.

Step S702: the asset ledger system executes an intelligent contract contained in the pledge asset information to verify the second pledge asset compensation command with the borrower signature, and after the verification is passed, costs the pledge asset information and generates 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; wherein the value amount corresponding to the amount of the pledge liquidation assets is equal to the amount of the un-repayment of the lender.

The intelligent contract layer execution module of the asset account book system executes verification operation: 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 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. After verification is completed, the intelligent contract layer execution module executes the second pledge asset compensation command, costs pledge assets, and generates pledge return assets and pledge compensation assets corresponding to the second pledge asset compensation command. 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, under the condition that the lender does not pay enough money, the lender asset application terminal system generates a first pledge asset compensation command containing pledge asset information according to pledge asset information capable of inquiring the payment condition, the asset ledger system executes an intelligent contract contained in pledge asset information to generate pledge returned asset information and pledge compensation asset information, the complete transaction process of compensation of pledge assets on the chain is realized through the mode, the compensation and return 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 compensation system for settlement via on-chain digital currency, comprising: lender asset application terminal systems and asset ledger systems; wherein the content of the first and second substances,

2. The system of claim 1, wherein the first pledge asset redemption instructions further comprise: the pledge return asset information, the pledge compensation asset information and a first pledge asset subsequent calling parameter; the first pledge asset subsequent calling parameter is a pledge repayment state at the due date of repayment preset in an intelligent contract contained in the pledge asset information; the pledge asset information includes: the property book address of the lender, the pledge property index identification, the intelligent contract for controlling the subsequent transaction of pledge property, the pledge property quantity and the repayment transaction information; the intelligent contract comprises verification of a subsequent pledge asset transaction triggering condition, and the subsequent pledge asset transaction triggering condition comprises a pledge asset clearing triggering condition;

verifying a signature of the first pledge asset redemption instruction;

3. The system of claim 2, wherein the lender asset application terminal system, prior to generating the first pledge asset redemption instruction including the pledge asset information, is further configured to:

the asset ledger system is further configured to: verifying the first repayment condition inquiry request information with the lender signature; after the verification is passed, determining first repayment condition query result information according to the pledge asset information, adding a signature to the repayment condition query result information, and returning the repayment condition query result information to the lender asset application terminal system;

4. The system of claim 2, further comprising: a borrower asset application terminal system;

before the lender asset application terminal system generates a first pledge asset redemption instruction including the pledge asset information, the borrower asset application terminal system is further configured to:

the asset ledger system is further configured to: verifying the second repayment inquiry request information with the borrower signature; after the verification is passed, determining second repayment condition query result information according to the pledge asset information, adding a signature to the repayment condition query result information, and returning the repayment condition query result information to the borrower asset application terminal system;

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

6. The system of claim 5, wherein the second pledge asset redemption instructions further comprise: the pledge return asset information, the pledge liquidation asset information and a second pledge asset subsequent calling parameter; the second pledge asset subsequent calling parameter is a pledge repayment state at the due date of repayment preset in the intelligent contract contained in the pledge asset information; the pledge asset information includes: the property book address of the lender, the pledge property index identification, the intelligent contract for controlling the subsequent transaction of pledge property, the pledge property quantity and the repayment transaction information; the intelligent contract comprises verification of a subsequent pledge asset transaction triggering condition, and the subsequent pledge asset transaction triggering condition comprises a pledge asset clearing triggering condition;

verifying a signature of the second pledge asset redemption instruction;

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

8. The system of claim 5 or 6, wherein the borrower asset application terminal system is further configured to:

9. An on-chain pledge asset compensation system for settlement via 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,

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

the lender asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset ledger system, generates a first pledge asset compensation instruction containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the first pledge asset compensation instruction with the lender signature to the asset ledger system;

11. A method for online pledge asset compensation through online digital currency settlement, comprising:

the borrower asset application terminal system judges whether the borrower is sufficient for repayment according to the pledge asset information in the asset book system, generates a second pledge asset compensation command containing pledge asset information according to the pledge asset information under the condition that the borrower is not sufficient for repayment, and sends the second pledge asset compensation command with borrower signature to the asset book system;