CN110765200A

CN110765200A - Asset procurement method and device based on block chain and electronic equipment

Info

Publication number: CN110765200A
Application number: CN201910839291.6A
Authority: CN
Inventors: 周徽; 祁鹏涛; 陆旭明; 陈锐发
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-09-05
Filing date: 2019-09-05
Publication date: 2020-02-07
Anticipated expiration: 2039-09-05
Also published as: CN113836227A; CN113836227B; WO2021042809A1; CN110765200B

Abstract

A block chain based asset procurement method, a device and an electronic device comprise: receiving a target transaction triggered when a cash flow index of an investment account of an asset management party of securitized assets meets a preset condition; wherein the securitized assets are assets issued on the blockchain with a base pool of assets as value support; the basic asset pool is an asset pool created based on the basic assets of the block chain deposit certificate; in response to the target transaction, basic asset procurement logic deployed in an intelligent contract on a blockchain is called, target basic assets to be procured and screened from basic assets certified by the blockchain are added to the basic asset pool, and asset procurement funds corresponding to the target basic assets in an investment account of an asset management party are frozen through a bank system; and updating the equity persons of the target basic assets as the asset management party when the fund freezing record aiming at the purchase requisition funds, which is issued to the blockchain by the bank system, is acquired.

Description

Asset procurement method and device based on block chain and electronic equipment

Technical Field

One or more embodiments of the present disclosure relate to the field of blockchain technologies, and in particular, to a method, an apparatus, and an electronic device for asset procurement based on blockchain.

Background

The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.

Disclosure of Invention

The specification provides an asset procurement method based on a block chain, which is applied to a node device of the block chain, and comprises the following steps:

receiving a target transaction triggered when a cash flow index of an investment account of an asset management party of securitized assets meets a preset condition; wherein the securitized assets are assets issued supporting a base pool of assets as value on the blockchain; the basic asset pool is an asset pool created based on the basic assets of the block chain deposit certificate;

in response to the target transaction, basic asset procurement logic deployed in an intelligent contract on the blockchain is called, target basic assets to be procured, which are screened from basic assets certified by the blockchain, are added to the basic asset pool, and asset procurement funds corresponding to the target basic assets in an investment account of the asset management party are frozen through a bank system;

and updating the equity people of the target basic assets as the asset management party when acquiring the fund freezing record aiming at the procurement funds, which is issued to the block chain by the bank system.

Optionally, the cash flow index is a cash flow balance;

the preset condition is that the cash flow balance reaches a preset threshold value.

Optionally, the adding, to the base asset pool, target base assets to be procured, which are selected from the base assets certified by the block chain, includes:

acquiring an asset screening rule set by an asset management party of the block chain deposit certificate;

and screening target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate based on the acquired asset screening rule, and adding the screened target basic assets to the basic asset pool.

Optionally, the target transaction further comprises asset procurement funds of an asset management party;

screening out target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate, wherein the process comprises the following steps:

and screening out the basic assets which accord with the asset screening rule and have the asset value matched with the asset procurement fund value from the basic assets of the block chain deposit certificate.

Optionally, the freezing, by the banking system, the purchase applying fund corresponding to the target basic asset in the investment account of the asset manager includes:

and generating a freezing event aiming at the procurement fund corresponding to the target basic asset in the investment account of the asset management party, so that when the banking system monitors the freezing event, the freezing event is carried out aiming at the procurement fund corresponding to the target basic asset in the investment account of the asset management party, and the fund freezing record is issued to the block chain for deposit evidence.

Optionally, updating the equity beneficiary of the target base asset as the asset manager includes:

and further calling an asset right confirming logic in the intelligent contract, initiating right confirming processing aiming at the target basic asset, and updating the rights and interests of the target basic asset to the asset management party after the asset management party confirms the right of the target basic asset.

Optionally, the method further includes:

and generating an authorization completion event for the asset management party to authorize the target basic asset, so that when the banking system monitors the authorization completion event, the frozen application funds corresponding to the target basic asset are transferred from the investment account of the asset management party to the investment account of the original authorization beneficiary of the target basic asset.

Optionally, the investment account is an escrow account opened at an escrow bank; the securitized assets are bonds or funds; the underlying assets are underlying debt assets.

The present specification proposes an asset procurement apparatus based on a block chain, the apparatus being applied to a node device of the block chain, the apparatus including:

the receiving module is used for receiving a target transaction triggered when a cash flow index of an investment account of an asset management party of the securitized asset meets a preset condition; wherein the securitized assets are assets issued supporting a base pool of assets as value on the blockchain; the basic asset pool is an asset pool created based on the basic assets of the block chain deposit certificate;

the calling module is used for responding to the target transaction, calling basic asset procurement logic deployed in an intelligent contract on the blockchain, adding target basic assets to be procured, which are screened from basic assets certified by the blockchain, into the basic asset pool, and freezing asset procurement funds corresponding to the target basic assets in an investment account of the asset management party through a bank system;

and the updating module is used for updating the equity people of the target basic asset to the asset management party when the fund freezing record aiming at the purchase applying fund and issued to the block chain by the bank system is obtained.

Optionally, the cash flow index is a cash flow balance;

Optionally, the calling module obtains an asset screening rule set by an asset manager of the block chain deposit certificate; and screening target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate based on the acquired asset screening rule, and adding the screened target basic assets to the basic asset pool.

and the calling module screens out the basic assets which accord with the asset screening rule and have the asset value matched with the asset procurement fund value from the basic assets of the block chain deposit certificate.

Optionally, the calling module generates a freezing event for the procurement fund corresponding to the target basic asset in the investment account of the asset manager, so that when the banking system monitors the freezing event, the freezing event is performed for the procurement fund corresponding to the target basic asset in the investment account of the asset manager, and the fund freezing record is issued to the block chain for evidence storage.

Optionally, the updating module further invokes an asset right determining logic in the intelligent contract, initiates right determining processing for the target basic asset, and updates the authorized person of the target basic asset to the asset manager after the asset manager determines the right of the target basic asset.

Optionally, the apparatus further includes a generating module, configured to generate an authorization completion event that the asset manager has performed authorization confirmation on the target basic asset, so that when the banking system monitors the authorization completion event, the banking system transfers the frozen procurement funds corresponding to the target basic asset from an investment account of the asset manager to an investment account of an original authorization beneficiary of the target basic asset.

In the technical scheme of the specification, when the asset management side platform detects that the cash flow index in the investment account of the asset management side meets the preset condition, target transactions can be sent to the blockchain, intelligent contracts are called by triggering blockchain node equipment, target basic assets to be procured are screened from basic assets certified by the blockchain, procurement funds of the target basic assets are frozen through a bank system, completing the change of the target basic asset by the authorized person after freezing, and after the asset management party confirms the right of the target basic asset, instructing the banking system to transfer asset procurement funds from the asset manager investment account to the original equiter investment account for the target underlying asset, therefore, the asset management party of the securitized assets can continuously and automatically purchase basic assets by calling the intelligent contracts of the block chains by utilizing the cash flow in the investment account.

Drawings

FIG. 1 is a schematic diagram of a process for creating an intelligent contract, as shown in an exemplary embodiment of the present description;

FIG. 2 is a schematic diagram of a call to an intelligent contract, shown in an exemplary embodiment of the present description;

FIG. 3 is a schematic diagram illustrating the creation of an intelligent contract and invocation of an intelligent contract in accordance with an exemplary embodiment of the present specification;

FIG. 4 is a schematic diagram of a blockchain-based asset procurement system according to an exemplary embodiment of the present description;

FIG. 5 is a flow chart diagram illustrating a block chain based asset procurement method in accordance with an exemplary embodiment of the subject specification;

fig. 6 is a schematic structural diagram of an electronic device shown in an exemplary embodiment of the present specification;

fig. 7 illustrates a block chain-based asset procurement arrangement according to an exemplary embodiment of the present description.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the specification, as detailed in the appended claims.

The terminology used in the description herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the description. As used in this specification and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used herein to describe various information, these information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information, without departing from the scope of the present specification. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

Blockchains are generally divided into three types: public chain (Public Blockchain), private chain (PrivateBlockchain) and alliance chain (Consortium Blockchain). Furthermore, there may be a combination of the above types, such as private chain + federation chain, federation chain + public chain, and so on.

Among them, the most decentralized is the public chain. The public chain is represented by bitcoin and ether house, and participants (also called nodes in the block chain) joining the public chain can read data records on the chain, participate in transactions, compete for accounting rights of new blocks, and the like. Moreover, each node can freely join or leave the network and perform related operations.

Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain may be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for use within a particular establishment.

A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; the nodes are authorized to join the network and form a benefit-related alliance, and block chain operation is maintained together.

Based on the basic characteristics of a blockchain, a blockchain is usually composed of several blocks. The time stamps corresponding to the creation time of the block are recorded in the blocks respectively, and all the blocks form a time-ordered data chain according to the time stamps recorded in the blocks strictly.

The real data generated by the physical world can be constructed into a standard transaction (transaction) format supported by a block chain, then is issued to the block chain, the node equipment in the block chain performs consensus processing on the received transaction, and after the consensus is achieved, the node equipment serving as an accounting node in the block chain packs the transaction into a block and performs persistent evidence storage in the block chain.

The consensus algorithm supported in the blockchain may include:

the first kind of consensus algorithm, namely the consensus algorithm that the node device needs to contend for the accounting right of each round of accounting period; consensus algorithms such as Proof of Work (POW), Proof of equity (POS), Proof of commission rights (DPOS), etc.;

the second kind of consensus algorithm, namely the consensus algorithm which elects accounting nodes in advance for each accounting period (without competing for accounting right); for example, a consensus algorithm such as a Practical Byzantine Fault Tolerance (PBFT) is used.

In a blockchain network employing a first type of consensus algorithm, node devices competing for billing rights can execute a transaction upon receipt. One of the node devices competing for the accounting right may win in the process of competing for the accounting right in the current round, and become an accounting node. The accounting node may package the received transaction with other transactions to generate a latest block and send the generated latest block or a block header of the latest block to other node devices for consensus.

In the block chain network adopting the second type of consensus algorithm, the node equipment with the accounting right is agreed before accounting in the current round. Thus, the node device, after receiving the transaction, may send the transaction to the accounting node if it is not the accounting node of its own round. For the accounting node of the current round, the transaction may be performed during or before packaging the transaction with other transactions to generate the latest block. After generating the latest block, the accounting node may send the latest block or a block header of the latest block to other node devices for consensus.

As described above, regardless of which consensus algorithm is used by the blockchain, the accounting node of the current round may pack the received transaction to generate the latest block, and send the generated latest block or the block header of the latest block to other node devices for consensus verification. If no problem is verified after other node equipment receives the latest block or the block header of the latest block, the latest block can be added to the tail of the original block chain, so that the accounting process of the block chain is completed. The transaction contained in the block may also be performed by other nodes in verifying the new block or block header sent by the accounting node.

In practical applications, whether public, private, or alliance, it is possible to provide the functionality of a smart contract (Smartcontract). An intelligent contract on a blockchain is a contract on a blockchain that can be executed triggered by a transaction. An intelligent contract may be defined in the form of code.

Taking an Etherhouse as an example, a user is supported to create and call some complex logic in the Etherhouse network. The ethernet workshop is used as a programmable block chain, and the core of the ethernet workshop is an ethernet workshop virtual machine (EVM), and each ethernet workshop node can run the EVM. The EVM is a well-behaved virtual machine through which various complex logic can be implemented. The user issuing and invoking smart contracts in the etherhouse is running on the EVM. In fact, the EVM directly runs virtual machine code (virtual machine bytecode, hereinafter referred to as "bytecode"), so the intelligent contract deployed on the blockchain may be bytecode.

After Bob sends a Transaction (Transaction) containing information to create a smart contract to the ethernet network, each node can execute the Transaction in the EVM, as shown in fig. 1. In fig. 1, the From field of the transaction is used To record the address of the account initiating the creation of the intelligent contract, the contract code stored in the field value of the Data field of the transaction may be bytecode, and the field value of the To field of the transaction is a null account. After the nodes reach the agreement through the consensus mechanism, the intelligent contract is successfully created, and the follow-up user can call the intelligent contract.

After the intelligent contract is established, a contract account corresponding to the intelligent contract appears on the block chain, and the block chain has a specific address; for example, "0 x68e12cf284 …" in each node in fig. 1 represents the address of the contract account created; the contract Code (Code) and account store (Storage) will be maintained in the account store for that contract account. The behavior of the intelligent contract is controlled by the contract code, while the account storage of the intelligent contract preserves the state of the contract. In other words, the intelligent contract causes a virtual account to be generated on the blockchain that contains the contract code and account storage.

As mentioned above, the Data field containing the transaction that created the intelligent contract may hold the byte code of the intelligent contract. A bytecode consists of a series of bytes, each of which can identify an operation. Based on the multiple considerations of development efficiency, readability and the like, a developer can select a high-level language to write intelligent contract codes instead of directly writing byte codes. For example, the high-level language may employ a language such as Solidity, Serpent, LLL, and the like. For intelligent contract code written in a high-level language, the intelligent contract code can be compiled by a compiler to generate byte codes which can be deployed on a blockchain.

Taking the Solidity language as an example, the contract code written by it is very similar to a Class (Class) in the object-oriented programming language, and various members including state variables, functions, function modifiers, events, etc. can be declared in one contract. A state variable is a value permanently stored in an account Storage (Storage) field of an intelligent contract to save the state of the contract.

As shown in FIG. 2, still taking the Etherhouse as an example, after Bob sends a transaction containing the information of the calling intelligent contract to the Etherhouse network, each node can execute the transaction in the EVM. In fig. 2, the From field of the transaction is used To record the address of the account initiating the intelligent contract invocation, the To field is used To record the address of the intelligent contract invocation, and the Data field of the transaction is used To record the method and parameters of the intelligent contract invocation. After invoking the smart contract, the account status of the contract account may change. Subsequently, a platform may view the account status of the contract account through the accessed block link point (e.g., node 1 in fig. 2).

The intelligent contract can be independently executed at each node in the blockchain network in a specified mode, and all execution records and data are stored on the blockchain, so that after the transaction is executed, transaction certificates which cannot be tampered and lost are stored on the blockchain.

A schematic diagram of creating an intelligent contract and invoking the intelligent contract is shown in fig. 3. An intelligent contract is created in an Ethernet workshop and needs to be subjected to the processes of compiling the intelligent contract, changing the intelligent contract into byte codes, deploying the intelligent contract to a block chain and the like. The intelligent contract is called in the Ethernet workshop, a transaction pointing to the intelligent contract address is initiated, the EVM of each node can respectively execute the transaction, and the intelligent contract code is distributed and operated in the virtual machine of each node in the Ethernet workshop network.

In the field of blockchain, an important concept is Account (Account); taking an ether house as an example, the ether house generally divides an account into an external account and a contract account; the external account is an account directly controlled by the user and is also called as a user account; and the contract account is created by the user through an external account, the account containing the contract code (i.e. the smart contract). Of course, for some blockchain items derived from the ethernet-based architecture (such as ant blockchains), the account types supported by the blockchain may be further expanded, and are not particularly limited in this specification.

For accounts in a blockchain, the account status of the account is usually maintained through a structure. When a transaction in a block is executed, the status of the account associated with the transaction in the block chain is also typically changed.

Taking etherhouses as an example, the structure of an account usually includes fields such as Balance, Nonce, Code and Storage. Wherein:

a Balance field for maintaining the current account Balance of the account;

a Nonce field for maintaining a number of transactions for the account; the counter is used for guaranteeing that each transaction can be processed only once, and replay attack is effectively avoided;

a Code field for maintaining a contract Code for the account; in practical applications, only the hash value of the contract Code is typically maintained in the Code field; thus, the Code field is also commonly referred to as the Codhash field.

A Storage field for maintaining the Storage contents of the account (default field value is null); for a contract account, a separate storage space is usually allocated to store the storage content of the contract account; this separate storage space is often referred to as the account storage of the contract account. The storage content of the contract account is usually constructed into a data structure of an MPT (MerklePatricia trie) tree and stored in the independent storage space; in which, the Storage content based on the contract account is constructed into an MPT tree, which is also commonly referred to as a Storage tree. Whereas the Storage field typically maintains only the root node of the Storage tree; thus, the Storage field is also commonly referred to as the Storage root field.

Wherein, for the external account, the field values of the Code field and the Storage field shown above are both null values.

Conventional blockchain projects, represented by etherhouses, typically support conversion of real-world currency into virtual tokens that can be circulated through the chain in order to effect a "value transfer" over the blockchain.

In the blockchain field, for some blockchain items derived from the ethernet-based architecture (such as ant blockchains), the function of converting real-world currency into virtual tokens that can circulate on the chains is generally no longer supported; instead, in these blockchain projects, some non-monetary attributes of the physical assets in the real world may be converted into virtual assets that can be circulated over the blockchain.

It should be noted that converting an entity asset having a non-monetary attribute in the real world into a virtual asset on a blockchain generally refers to a process of "anchoring" the entity asset and a virtual asset on the blockchain to serve as a value support for the virtual assets, and further generating a virtual asset on the blockchain which is matched with the value of the entity asset and can be circulated between blockchain accounts on the blockchain.

In the implementation process, the account types supported by the blockchain can be expanded, and an asset account (also called an asset object) is expanded on the basis of the account types supported by the blockchain; for example, an asset account can be expanded on the basis of an external account and a contract account supported by an Ethernet; the expanded asset account is a virtual asset which can support the real-world non-monetary property of the physical asset as value and can be circulated between the blockchain accounts.

For users accessing such a blockchain, in addition to completing the creation of user accounts and intelligent contracts on the blockchain, a virtual asset matched with the entity asset value of non-monetary attributes of the real world is created on the blockchain, and circulation is performed on the blockchain;

for example, a user may convert physical assets of non-monetary attributes, such as real estate, stocks, loan contracts, notes, accounts receivable, etc., held to value-matched virtual assets for circulation over a blockchain.

The above asset account may be maintained by a structure, specifically, the account status of the account may be maintained by a structure. The content of the structure of the asset account may be the same as that of the ether house, and may be designed based on actual requirements;

in one implementation, for example, the content of the structure body of the asset account is the same as that of an ethernet bay, the structure body of the asset account may also include the fields of Balance, Nonce, Code, and Storage described above.

It should be noted that, in an ethernet, the Balance field is usually used to maintain the current account Balance of the account; for the block chain project derived based on the ethernet framework, since it may not support the conversion of real-world currency into virtual tokens that can be circulated on the chain, in such block chains, the meaning of the Balance field may be extended, and the Balance of the account is no longer represented, but is used to maintain the address information of the asset account corresponding to the "virtual asset" held by the account. In practical application, address information of asset accounts corresponding to multiple virtual assets can be maintained in the Balance field.

In this case, the external account, the contract account, and the asset account shown above can hold the virtual asset by adding address information of the asset account corresponding to the "virtual asset" that needs to be held in the Balance field. That is, in addition to the external account and the contract account, the asset account itself may hold the virtual asset.

For an asset account, Nonce, the field value of the Code field may or may not be null; and the field value of the Storage field may no longer be a null value; the Storage field may be used to maintain the asset status of the "virtual asset" corresponding to the asset account. The specific manner of maintaining the asset state of the "virtual asset" corresponding to the asset account in the Storage field can be flexibly designed based on requirements, and is not described in detail.

In the blockchain project derived based on the framework of the EtherFang, a user can create a virtual asset on the blockchain that matches the value of the real-world non-monetary attribute physical asset by the implementation shown below:

in one implementation, the transaction types supported by the blockchain may be extended to extend a transaction for creating virtual assets; for example, the types of transactions supported by the etherhouse typically include normal transfer transactions, transactions to create smart contracts, and transactions to invoke smart contracts, and a transaction to create virtual assets may be expanded based on the above three types of transactions.

In this case, a user may create a virtual asset for the user by the platform issuing a transaction into the blockchain network for creating the virtual asset, which transaction is performed in the local EVM by a node device in the blockchain. When the node devices reach the agreement through the consensus mechanism, the virtual asset is successfully created, and an asset account corresponding to the virtual asset appears on the blockchain and has a specific address.

In another implementation, intelligent contracts for creating virtual assets may also be deployed on blockchains; the process of deploying the intelligent contract for creating the virtual asset is not described in detail.

In this case, the user may create a virtual asset for the user by the platform issuing a transaction into the blockchain network for invoking the intelligent contract, executing the transaction in the local EVM by the node device in the blockchain, and running contract code associated with the intelligent contract in the EVM. When the node devices reach the agreement through the consensus mechanism, the virtual asset is successfully created, and an asset account corresponding to the virtual asset appears on the blockchain and has a specific address.

Of course, for some blockchain items derived based on the ethernet framework, if the blockchain items also support the function of converting real-world currency into virtual tokens that can circulate on the chain, some non-currency property entity assets in the real world can still be converted into a form of virtual tokens that can circulate on the blockchain, and the virtual tokens circulate on the blockchain, which is not described in detail in this specification.

With the continuous enrichment of service scenes of the blockchain, more and more blockchain projects begin to introduce some service scenes unrelated to value transfer besides the services related to value transfer, such as transfer and the like; for example, a blockchain interfaces with a financial institution or the like, completing a business scenario such as asset securitization on the blockchain.

The Asset securitization refers to a process of using cash flow generated in the future of a basic Asset as a value support, carrying out credit enhancement through structured design, and issuing Asset-Backed Securities (ABS) on the basis.

The basic flow of asset securitization includes: the original stakeholders of the base assets sell the base assets to an SPV (Special Purpose organization), or the SPV actively purchases the base assets. Then, the SPV collects the purchased basic assets into a basic asset pool, then uses the cash flow generated by the basic asset pool as a value to support the issuance of securities on the financial market for financing, and finally uses the cash flow generated by the basic asset pool to settle the issued securities.

The basic assets may be basic debt assets, such as accounts receivable.

The securitized assets may refer to securities that are supported by a base asset in a base asset pool as a value, for example, the securitized assets may be bonds, funds, and the like, and the securitized assets are only exemplified and not particularly limited herein.

Based on the above, the present specification provides a technical solution for performing basic asset procurement by calling an intelligent contract of a block chain when a cash flow in an investment account of an asset manager of securitized assets meets a preset condition.

In one aspect, an asset manager platform for securitized assets (referred to herein simply as an asset manager for convenience) issues a target trade to a blockchain upon determining that a cash flow in an investment account of the asset manager satisfies a preset condition.

The node device of the blockchain can respond to the target transaction, call basic asset procurement logic deployed in an intelligent contract on the blockchain, add target basic assets to be procured, which are screened from basic assets certified by the blockchain, to the basic asset pool, freeze asset procurement funds corresponding to the target basic assets in an investment account of the asset management party through a bank system, and update the equiters of the target basic assets to the asset management party when monitoring a fund frozen record for the procurement funds, which is issued to the blockchain by the bank system.

On the other hand, before updating the equitable persons of the target basic assets to the asset management party, the node devices of the block chain may further initiate an authorization process for the target basic assets, and after determining that the asset management party has authorized the target basic assets, update the equitable persons of the target basic assets to the asset management party, and the node devices of the block chain may generate an authorization completion event that the asset management party has authorized the target basic assets, so that when the bank system monitors the authorization completion event, the frozen assets corresponding to the target basic assets are applied for funds, and the funds are transferred from the investment account of the asset management party to the investment account of the original equitable beneficiary of the target basic assets.

From the above description, when the asset management platform detects that the cash flow index in the investment account of the asset management party meets the preset condition, target transactions can be sent to the blockchain, intelligent contracts are called by triggering blockchain node equipment, target basic assets to be procured are screened from basic assets certified by the blockchain, procurement funds of the target basic assets are frozen through a bank system, completing the change of the target basic asset by the authorized person after freezing, and after the asset management party confirms the right of the target basic asset, instructing the banking system to transfer asset procurement funds from the asset manager investment account to the original equiter investment account for the target underlying asset, therefore, the asset management party of the securitized assets can continuously and automatically purchase basic assets by calling the intelligent contracts of the block chains by utilizing the cash flow in the investment account. Referring to fig. 4, fig. 4 is a schematic diagram of a block chain-based asset procurement system according to an exemplary embodiment of the present description.

The asset procurement system based on the block chain comprises: a block chain, an original rights beneficiary platform connected with the block chain in a butt joint mode, an asset management platform of securitized assets and a bank system.

The original rights beneficiary platform is used for issuing the basic assets of the original rights beneficiary to the block chain for evidence storage.

The system comprises a securitized asset management platform (herein, referred to as an asset management platform for short) and a block chain, wherein the securitized asset management platform is used for issuing asset screening rules formulated by an asset manager to the block chain for storage and deploying intelligent contracts for asset screening on the block chain. Of course, the asset manager platform is also configured to send the transaction to the node devices on the blockchain after monitoring certain events, so as to trigger the node devices on the blockchain to execute the transaction.

For example, when determining that the cash flow index in the investment account of the asset management party meets a preset condition, the asset management party platform issues a target transaction to the blockchain, so that the node devices of the blockchain invoke an intelligent contract deployed on the blockchain in response to the target transaction, screens out target basic assets to be contracted from the basic assets stored in the blockchain, and completes the contracting of the target basic assets.

The functions of the asset manager platform are merely illustrated here by way of example and are not specifically limited.

Further, the regulatory agency may include: SPV (Special Purpose agency), etc., and the administrative department is only exemplary and not particularly limited.

And the bank system is used for maintaining the investment accounts of the original rights beneficiaries and the investment accounts of the asset management party, and carrying out fund transfer and the like.

Referring to fig. 5, fig. 5 is a flowchart illustrating a block chain-based asset procurement method that may be applied to a node device of a block chain that hosts a base asset issued by an original beneficiary to the block chain according to an exemplary embodiment of the present disclosure, and the method may include the following steps.

Step 502: the method comprises the steps that node equipment of a block chain receives a target transaction triggered when a cash flow index of an investment account of an asset management party of a securitized asset meets a preset condition; wherein the securitized assets are assets issued supporting a base pool of assets as value on the blockchain; the basic asset pool is an asset pool created based on the basic assets of the block chain deposit certificate;

step 504: responding to the target transaction by the node equipment of the blockchain, calling basic asset procurement logic in an intelligent contract deployed on the blockchain, adding target basic assets to be procured, which are screened from basic assets certified by the blockchain, into the basic asset pool, and freezing asset procurement funds corresponding to the target basic assets in an investment account of the asset management party through a bank system;

step 506: and when monitoring that the fund freezing record aiming at the applied fund is issued to the block chain by the bank system, the node equipment of the block chain updates the interest person of the target basic asset as the asset management party.

The basic assets are not particularly limited in this specification, and may be basic debt assets such as accounts receivable.

The investment account may be an escrow account opened by the original rights beneficiary at an escrow bank.

The asset screening rules may be set by an asset manager and issued to the blockchain for evidence storage via the asset manager platform shown in fig. 4.

The basic asset pool may be a set of identifications of a plurality of screened basic assets generated by an intelligent contract on a blockchain. The base assets in the base asset pool may serve as value supports for issuing securitized assets.

The base asset pool may be stored in a Storage space (Storage) of a contract account corresponding to the intelligent contract, or may be stored in an account Storage space of a block chain account of an asset manager (e.g., SPV organization). The storage location of the underlying asset pool is not specifically limited herein.

In addition, intelligent contracts for basic asset screening are deployed on the blockchain.

In a deployed intelligent contract, comprising: basic asset procurement logic and asset right confirming logic.

And the basic asset procurement logic is used for adding a target basic asset to be procured, which is screened from the basic assets stored in the block chain into the basic asset pool, freezing asset procurement funds corresponding to the target basic asset in an investment account of the asset management party through a bank system, and updating the authorized persons of the target basic asset to the asset management party when a fund freezing record aiming at the procurement funds, which is issued to the block chain by the bank system, is monitored.

And the asset right confirming logic is used for initiating right confirming treatment aiming at the target basic asset before the rights holder of the target basic asset is updated to the asset management party, and updating the rights holder of the target basic asset to the asset management party after the rights holder of the target basic asset is confirmed by the asset management party.

After the intelligent contract is deployed, when the asset management party of the securitized asset detects that the cash flow index of the investment account of the asset management party meets the preset condition, a target transaction can be constructed through the asset management party platform, and then the target transaction is issued to the block chain to call the intelligent contract deployed on the block chain, so that the procurement of the target basic asset is completed.

In specific implementation, when the asset management side platform monitors that cash flow indexes in the investment account of the asset management side meet preset conditions, target transactions can be constructed. Or when the asset management party detects that the cash flow index in the investment account of the asset management party meets the preset condition, a purchase applying request can be initiated to the asset management party platform, so that the asset management party platform constructs the target transaction.

For example, the cash flow indicator may be a cash flow balance, and the predetermined condition may be that the cash flow balance reaches a predetermined threshold.

When the asset management side platform monitors that the cash flow balance in the investment account of the asset management side reaches a preset threshold value, a target transaction can be constructed. Or when the asset management party detects that the cash flow balance in the investment account of the asset management party reaches a preset threshold value, a purchase applying request can be initiated to the asset management party platform, so that the asset management party platform constructs a target transaction.

The asset manager platform may then publish the constructed target transaction to the blockchain.

After monitoring the target transaction, the node device of the blockchain may invoke the base asset procurement logic declared in the intelligent contract deployed on the blockchain.

In one aspect, the intelligent contract may add target base assets to be contracted, which are screened from the block chain certified base assets, to the base asset pool based on the base asset contraction logic.

Specifically, the intelligent contract may detect whether asset screening rules set by an asset manager are warranted on the blockchain.

And if the block chain does not store the asset screening rule set by the asset management party, generating a reminding event. And when the platform of the asset management party monitors the reminding event, prompting the asset manager to set asset screening rules. And the platform of the asset management party issues the set asset screening rule to the block chain.

And if the block chain storage certifies the asset screening rule set by the asset management party, acquiring the asset screening rule, screening a target basic asset to be procured which accords with the asset screening rule set by the asset management party from the basic assets certified by the block chain storage, and adding the target basic asset to the basic asset pool.

Of course, to ensure that the screened target underlying assets match the value of the asset procurement funds of the asset management party. In the process of screening the target basic assets, the node equipment of the block chain can screen out the target basic assets which accord with the asset screening rules set by the asset management party and have the asset value matched with the asset procurement fund value of the asset management party from the basic assets stored and certified by the block chain.

It should be noted that, the asset value of the target base asset is matched with the value of the asset procurement fund, which may mean that the asset value of the target base asset is completely consistent with the value of the asset procurement fund.

For example, if the cash flow generated by a target underlying asset is 1000 ten thousand and the asset acquisition fund is also 1000 ten thousand, the asset value of the target underlying asset matches the value of the asset acquisition fund.

Of course, the asset value of the target base asset is matched with the value of the asset procurement fund, which may also mean that the asset value of the target base asset is a preset multiple of the asset procurement fund value, and the asset value of the target base asset is nearly consistent with the value of the asset procurement fund.

For example, the asset value of the target underlying asset is 1.1 times the asset procurement fund. Assuming that the asset value of the target underlying asset is 1100 ten thousand and the asset acquisition fund is 1000 ten thousand, it can be considered that the asset value of the target underlying asset matches the asset acquisition fund.

Alternatively, assume that the asset value of the target underlying asset is 0.9 times the asset procurement capital. Assuming that the asset value of the target underlying asset is 900 ten thousand and the asset acquisition fund is 1000 ten thousand, it can be considered that the asset value of the target underlying asset matches the asset acquisition fund.

After the target base asset pool is created, the node device of the blockchain may also perform a right-confirming on the target base asset.

On the other hand, the intelligent contract may freeze, by the banking system, the asset procurement fund corresponding to the target basic asset in the investment account of the asset manager based on the basic asset procurement logic.

When implemented, the smart contract may generate a freeze event to apply for funds for the asset corresponding to the target base asset in the asset manager's investment account.

When monitoring the freezing event, the bank system may freeze the asset procurement fund corresponding to the target basic asset in the investment account of the asset manager, and issue a fund freezing record to the block chain.

After receiving the fund freezing record issued to the block chain by the bank system, the intelligent contract can determine that the bank system freezes the procurement fund corresponding to the target basic asset in the investment account of the asset manager, and update the equity people of the target basic asset as the asset manager.

In this embodiment of the present specification, before updating the equiter of the target base asset as the asset manager, the node device of the blockchain may further invoke asset right confirming logic in the intelligent contract on the blockchain, initiate right confirming processing for the target base asset, and update the equiter of the target base asset as the asset manager after the asset manager confirms the right of the target base asset.

For example, the node device of the blockchain may further invoke asset authority logic in the intelligent contract to generate an authority event in a contract account of the intelligent contract. When the asset management platform monitors the right confirming event, the asset management platform can be reminded to confirm the target basic asset and carry out signature. After the asset manager completes the entitlement for the target base asset, the asset manager platform submits entitlement information (such as an asset manager signature) submitted by the asset manager to the intelligent contract. After receiving the right confirming information, the intelligent contract can confirm that the asset management party confirms the right of the target basic asset, and then the intelligent contract can update the rights and interests corresponding to the target basic asset to the asset management party from the original rights and interests.

In updating the equiters, in an alternative implementation, the equiters information for the underlying assets is maintained on the node devices of the blockchain. When updating, the intelligent contract can update the authorized equiter of the base assets maintained on the block chain node equipment as the asset management party from the original equiter.

In another alternative implementation, the equity people information of the target basic asset is maintained on the asset management platform, the intelligent contract may generate an equity people update event, and after the asset management platform monitors the equity people update event, the equity people of the target basic asset maintained on the asset management platform may be updated to the asset management party by the original equity people, and the equity people update success information is submitted to the intelligent contract. After receiving the information about successful update of the equity beneficiary, the intelligent contract can determine that the equity beneficiary of the target base asset is updated as an asset manager.

In addition, after determining that the asset manager confirms the target base asset, the banking system may be further instructed to transfer the frozen application funds from the investment account of the asset manager to the investment account of the original rights beneficiary of the target base asset.

When the target basic asset is realized, after the intelligent contract receives the right confirming information, the property management party is confirmed to confirm that the target basic asset is right confirmed. The intelligent contract may then generate a definitive-completion event that the asset manager has granted authority over the target base asset.

And when monitoring the right confirmation completion event, the bank system transfers the frozen application funds corresponding to the target basic assets to the investment accounts of the original rights beneficiaries of the target basic assets from the investment accounts of the asset management party.

From the above description, when the asset management platform detects that the cash flow index in the investment account of the asset management party meets the preset condition, target transactions can be sent to the blockchain, intelligent contracts are called by triggering blockchain node equipment, target basic assets to be procured are screened from basic assets certified by the blockchain, procurement funds of the target basic assets are frozen through a bank system, completing the change of the target basic asset by the authorized person after freezing, and after the asset management party confirms the right of the target basic asset, instructing the banking system to transfer asset procurement funds from the asset manager investment account to the original equiter investment account for the target underlying asset, therefore, the asset management party of the securitized assets can continuously and automatically purchase basic assets by calling the intelligent contracts of the block chains by utilizing the cash flow in the investment account.

Corresponding to the method embodiment, the application also provides an embodiment of the device.

Corresponding to the above method embodiments, the present specification also provides an embodiment of an asset procurement apparatus based on a block chain. The embodiment of the block chain-based asset procurement device can be applied to electronic equipment. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation. From a hardware aspect, as shown in fig. 6, a hardware structure diagram of an electronic device where an asset procurement apparatus based on a block chain according to this specification is located is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 6, the electronic device where the apparatus is located in the embodiment may also include other hardware according to an actual function of the electronic device, which is not described again.

Referring to fig. 7, fig. 7 is a block chain-based asset procurement apparatus according to an exemplary embodiment of the present disclosure.

The device is applied to the node equipment of the block chain, and comprises:

a receiving module 701, configured to receive a target transaction triggered when a cash flow index of an investment account of an asset manager of a securitized asset meets a preset condition; wherein the securitized assets are assets issued supporting a base pool of assets as value on the blockchain; the basic asset pool is an asset pool created based on the basic assets of the block chain deposit certificate;

a calling module 702, configured to, in response to the target transaction, call basic asset procurement logic in an intelligent contract deployed on the blockchain, add a target basic asset to be procured, which is selected from basic assets certified by the blockchain, to the basic asset pool, and freeze, by a banking system, an asset procurement fund corresponding to the target basic asset in an investment account of the asset manager;

the updating module 703 is configured to update the equity people of the target basic asset as the asset manager when the fund freeze record for the applied fund, which is issued to the block chain by the bank system, is acquired.

Optionally, the cash flow index is a cash flow balance;

Optionally, the invoking module 702 obtains an asset screening rule set by an asset manager of the block chaining verification; and screening target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate based on the acquired asset screening rule, and adding the screened target basic assets to the basic asset pool.

the calling module 702 screens out the basic assets which meet the asset screening rule and have the asset value matched with the asset procurement fund value from the basic assets of the block chain deposit certificate.

Optionally, the invoking module 702 generates a freeze event for the procurement fund corresponding to the target basic asset in the investment account of the asset manager, so that when the banking system monitors the freeze event, the procurement fund corresponding to the target basic asset in the investment account of the asset manager is frozen, and a fund freeze record is issued to the blockchain for evidence storage.

Optionally, the updating module 703 further invokes an asset right determining logic in the intelligent contract, initiates right determining processing for the target basic asset, and updates the equity beneficiary of the target basic asset to the asset manager after the asset manager determines the right of the target basic asset.

Optionally, the apparatus further includes a generating module 704, configured to generate an authorization completion event that the asset manager has authorized the target basic asset, so that when the banking system monitors the authorization completion event, the frozen application funds corresponding to the target basic asset are transferred from the investment account of the asset manager to the investment account of the original authorization beneficiary of the target basic asset.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims

1. A blockchain-based asset procurement method is applied to a node device of a blockchain, and comprises the following steps:

2. The method of claim 1, the cash flow indicator being a cash flow balance;

3. The method of claim 1, wherein adding targeted base assets to be underwritten, screened from the block chain certified base assets, to the pool of base assets comprises:

4. The method of claim 3, the target transaction further comprising an asset procurement fund for an asset manager;

screening out target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate, wherein the target basic assets to be applied for purchase comprise:

5. The method of claim 1, the freezing, by a banking system, of the procurement funds in the asset manager's investment account that correspond to the target underlying asset, comprising:

6. The method of claim 1, the updating the stakeholder of the target base asset as the asset manager, comprising:

7. The method of claim 6, further comprising:

8. The method of claim 1, the investment account being an escrow account opened at an escrow bank; the securitized assets are bonds or funds; the underlying assets are underlying debt assets.

9. An asset procurement device based on a blockchain, which is applied to a node device of the blockchain, and comprises:

10. The apparatus of claim 9, the cash flow indicator being a cash flow balance;

11. The apparatus of claim 9, the invoking module to obtain asset filtering rules set by an asset manager for the block chaining certificate; and screening target basic assets to be applied for purchase, which accord with the asset screening rule, from the basic assets of the block chain deposit certificate based on the acquired asset screening rule, and adding the screened target basic assets to the basic asset pool.

12. The apparatus of claim 11, the target transaction further comprising an asset procurement fund for an asset manager;

13. The apparatus according to claim 9, wherein the invoking module generates a freeze event for the procurement funds corresponding to the target basic asset in the investment account of the asset manager, so that when the banking system monitors the freeze event, the freeze event freezes the procurement funds corresponding to the target basic asset in the investment account of the asset manager, and issues a fund freeze record to the blockchain for deposit.

14. The apparatus of claim 9, the update module further invokes asset validation logic in the intelligent contract to initiate a validation process for the target base asset and update the equiter of the target base asset to the asset manager after the asset manager validates the target base asset.

15. The apparatus of claim 14, further comprising a generation module for generating an entitlement completion event for the asset manager to authorize the target base asset, so that the banking system monitors the entitlement completion event and transfers the frozen procurement funds corresponding to the target base asset from the investment account of the asset manager to the investment account of the original entitlement beneficiary of the target base asset.

16. The apparatus of claim 1, the investment account being an escrow account provisioned at an escrow bank; the securitized assets are bonds or funds; the underlying assets are underlying debt assets.

17. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any one of claims 1-8 by executing the executable instructions.

18. A computer-readable storage medium having stored thereon computer instructions, which, when executed by a processor, carry out the steps of the method according to any one of claims 1 to 8.