CN108537655B - Data processing method and device for digital assets - Google Patents
Data processing method and device for digital assets Download PDFInfo
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- CN108537655B CN108537655B CN201810233307.4A CN201810233307A CN108537655B CN 108537655 B CN108537655 B CN 108537655B CN 201810233307 A CN201810233307 A CN 201810233307A CN 108537655 B CN108537655 B CN 108537655B
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Abstract
The application discloses a data processing method and device for digital assets. The method comprises the steps that a first user sends a first borrowing application to a second user on a block chain; judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and if the second user confirms the loan amount of the first loan application on the block chain, recording the pledge address of the digital asset in the block chain. The method and the system solve the technical problem that the pledge service is lack of digitization. The method has simple process, and the whole pledge registration process of taking the digital assets as pledgets is finished on the block chain and stored on the block chain. The whole pledge asset disposal flow is transparent, so that the possibility of asset fraud is further reduced, and the loan risk is reduced.
Description
Technical Field
The application relates to the field of digital finance, in particular to a data processing method and device for digital assets.
Background
The pledge loan refers to a loan which is issued by the borrower in a pledge manner legally specified by the lender or a third person as a pledge. The pledge borrowing procedure is complex and long in period, and pledges are all physical assets.
The inventor finds that there is currently no off-site transaction of digital assets in the internet financial industry that uses digital assets as collateral in the pledge loan transaction.
Aiming at the problem that the pledge service in the related technology is lack of digitization, no effective solution is provided at present.
Disclosure of Invention
The main objective of the present application is to provide a data processing method for digital assets to solve the problem of lack of digitization of the pledge service.
To achieve the above object, according to one aspect of the present application, there is provided a data processing method for a digital asset.
The data processing method for the digital assets according to the application comprises the following steps: a first user sends a first borrowing application to a second user on a block chain; judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and if the second user confirms the loan amount of the first loan application on the block chain, recording the pledge address of the digital asset in the block chain.
Further, the method further comprises: the second user issues first lending information on the block chain; judging whether the first user confirms the loan amount matched with the first lending information on the block chain; and if the first user confirms the loan amount matched with the first lending information on the block chain, recording the pledge address of the digital asset in the block chain.
Further, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, recording the pledge address of the digital asset in the blockchain includes: judging whether the second user and the first user sign an electronic contract on the block chain; and if the second user and the first user on the block chain are judged to have signed an electronic contract, the second user releases the loan digital property to the first user according to the electronic contract.
Further, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, recording a pledge address of the digital asset in the blockchain further includes: monitoring a value of a first digital asset used by a first user for pledge; if the value of the first digital asset of the first user's pledge is lower than the threshold value, sending a pledge digital asset request to the first user; performing a transaction processing operation on a first digital asset if the first user does not add a pledge to the first digital asset.
Further, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, recording a pledge address of the digital asset in the blockchain further includes: monitoring whether the pledged digital asset is due; if the pledge digital asset is monitored to be expired and the first user repays the pledge digital asset on schedule, unfreezing the pledge digital asset and then returning the pledge digital asset to the first user; if the first user does not perform a pledge under the electronic contract, then a transaction processing operation is performed on the digital asset.
To achieve the above object, according to another aspect of the present application, there is provided a data processing apparatus for a digital asset.
A data processing apparatus for digital assets according to the application comprises: the block chain borrowing module is used for sending a first borrowing application to a second user by a first user on a block chain; the first judgment module is used for judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and the first recording module is used for recording the pledge address of the digital asset in the block chain when judging that the second user confirms the lending amount of the first borrowing application on the block chain.
Further, the block chain lending module is used for issuing first lending information on the block chain by a second user; the second judgment module is used for judging whether the first user confirms the loan amount matched with the first lending information on the block chain; and the second recording module is used for judging that the first user confirms the loan amount matched with the first lending information on the block chain, and then recording the pledge address of the digital asset in the block chain.
Further, the first recording module includes: the electronic contract signing unit is used for judging whether an electronic contract is signed between the second user and the first user on the block chain; and the loan unit is used for issuing the loan digital assets to the first user according to the electronic contract by the second user if the second user and the first user on the block chain are judged to have signed the electronic contract.
Further, the apparatus further comprises: the pledge management module, the pledge management module includes: the system comprises a monitoring unit, a value evaluation unit and a first transaction unit, wherein the monitoring unit is used for monitoring the value of a first digital asset which is used for pledging by a first user; the value evaluation unit is used for sending a pledge digital asset adding request to the first user when the value of the first digital asset pledged by the first user is lower than a threshold value; the first transaction unit is used for executing transaction processing operation on the first digital asset if the first user does not add the pledge first digital asset.
Further, the apparatus further comprises: a pledge expiration processing module, the pledge expiration processing module comprising: the system comprises a monitoring unit, a unfreezing unit and a second transaction unit, wherein the monitoring unit is used for monitoring whether the pledged digital assets are due or not; the unfreezing unit is used for monitoring that the pledge digital asset is due and the first user pays a fee according to time, unfreezing the pledge digital asset and paying the pledge digital asset to the first user; the second transaction unit is used for executing transaction processing operation on the digital assets if the first user does not execute the pledge according to the electronic contract
In this application embodiment, adopt the mode that first user sent first application of borrowing to the second user on the district piece chain, through judging the second user is in on the district piece chain whether confirm with the amount of lending that first application of borrowing matches has reached the purpose of the pledge address of record digital asset in the district piece chain to realized the pledge material and escort transparently, the digital asset of pledge is the technical effect that can look into in the complete disclosure on the district piece chain, and then has solved pledge business and has lacked digital technical problem. In addition, the digital assets are easy to manage, other management expenses are not needed, and the loan cost can be reduced.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a schematic diagram of a data processing method for a digital asset according to a first embodiment of the present application;
FIG. 2 is a schematic diagram of a data processing method for a digital asset according to a second embodiment of the present application;
FIG. 3 is a schematic diagram of a data processing method for a digital asset according to a third embodiment of the present application;
FIG. 4 is a schematic diagram of a data processing method for a digital asset according to a fourth embodiment of the present application;
FIG. 5 is a schematic diagram of a data processing method for a digital asset according to a fifth embodiment of the present application;
FIG. 6 is a schematic diagram of a data processing apparatus for digital assets according to a first embodiment of the present application;
FIG. 7 is a schematic diagram of a data processing apparatus for a digital asset according to a second embodiment of the present application;
FIG. 8 is a schematic diagram of a data processing apparatus for a digital asset according to a third embodiment of the present application;
FIG. 9 is a schematic diagram of a data processing apparatus for a digital asset according to a fourth embodiment of the present application; and
fig. 10 is a schematic diagram of a data processing apparatus for digital assets according to a fifth embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
The process of the pledge flow of the digital assets in the application is simple, and pledge materials are transparent. The pledge's digital assets are fully publicly available on the blockchain. Meanwhile, the digital assets are simple and convenient to manage, other management expenses are not needed, and the loan cost is reduced. The system can monitor the value of the pledge digital assets in real time, evaluate the value of the loaned assets according to the market price average value of the corresponding digital assets of the mainstream trading platform, immediately send the prompt of filling and leveling according to the value change, and automatically dispose the assets in the trading platform when the leveling is triggered.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
As shown in fig. 1, the method includes steps S102 to S106 as follows:
step S102, a first user sends a first borrowing application to a second user on a block chain;
the first user is used for initiating a first borrowing application, namely, the first borrowing application is made on the blockchain.
The second user needs to confirm the loan of funds as another party to the pledge.
When the pledge business process is started, the first user and the second user also need to complete real-name identity authentication.
Specifically, the real-name identity authentication is as follows: the borrower can perform subsequent pledge application operation only after performing real-name identity authentication on the block chain. The lender needs to perform real-name identity authentication on the blockchain before subsequent lending operation can be performed.
The digital assets for the pledge of digital assets are fully publicly available on the blockchain and recorded on the blockchain.
Specifically, the borrowing application issued by the borrower includes, but is not limited to, basic information such as the type of digital assets escorted, the number of digital assets, the size of funds borrowed, and the like.
Step S104, judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain;
and judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain or not means that the second user and the first user need to sign an electronic contract after determining the intention to reach the intention of the pledge. Namely, whether the digital assets of the first user borrowing application are matched with the proposed loan amount of the second user is judged.
Specifically, the borrower and the lender need to sign an electronic contract after determining the intent, and the digital assets needing to be pledged in the borrower account can be frozen. Electronic contracts are used as an aid to the borrower and lender.
And preferably, after the electronic contract is signed, the user can verify the validity of the electronic contract and the electronic signature by a relevant authority certification authority.
Filling transaction information in the existing contract template, signing the contract by using personal digital certificates of buyers and sellers, and enabling the electronic contract to take effect
Step S106, if the second user confirms the loan amount of the first loan application on the block chain, recording a pledge address of the digital asset in the block chain.
Specifically, the address of the pledge digital asset will be published to the borrower and lender. In addition, the user can view the pledge asset condition in real time in the blockchain.
As can be seen from the above features, the entire pledge registration process is completed on the blockchain in the embodiment of the present invention, so that the pledge process of the digital asset is simple and the pledge (digital asset) is transparent. The pledge's digital assets are fully publicly available on the blockchain.
From the above description, it can be seen that the present invention achieves the following technical effects:
in this application embodiment, adopt the mode that first user sent first application of borrowing to the second user on the district piece chain, through judging the second user is in on the district piece chain whether confirm with the amount of lending that first application of borrowing matches has reached the purpose of the pledge address of record digital asset in the district piece chain to realized the pledge material and escort transparently, the digital asset of pledge is the technical effect that can look into in the complete disclosure on the district piece chain, and then has solved pledge business and has lacked digital technical problem. In addition, the digital assets are easy to manage, other management expenses are not needed, and the loan cost can be reduced.
According to an embodiment of the present invention, preferably, as shown in fig. 2, the method further includes:
step S202, a second user issues first lending information on the block chain;
the second user is used to initiate the first lending information, i.e. to send the lending information out on the blockchain.
The first user as another party to the pledge needs to confirm whether the second user's loan of funds can satisfy the first user's amount of money.
When the pledge business process is started, the first user and the second user also need to complete real-name identity authentication.
Specifically, the real-name identity authentication is as follows: the lender needs to perform real-name identity authentication on the blockchain before subsequent lending operation can be performed. The borrower can perform subsequent pledge application operation only after performing real-name identity authentication on the block chain.
The digital assets for the pledge of digital assets are fully publicly available on the blockchain and recorded on the blockchain.
Specifically, the borrowing application issued by the borrower includes, but is not limited to, basic information such as the type of digital assets escorted, the number of digital assets, the size of funds borrowed, and the like.
Step S204, judging whether the first user confirms the loan amount matched with the first lending information on the block chain;
and judging whether the first user confirms the loan amount matched with the first lending information on the block chain or not means that the second user and the first user need to sign an electronic contract after determining the intention to reach the intention of the pledge. That is, whether the digital assets of the lending information of the second user are matched with the amount of the loan to be planned by the first user is judged. Electronic contracts are used as an aid to the borrower and lender.
Specifically, the borrower and the lender need to perform real-name authentication, and after the authentication is passed, a buyer user digital certificate and a seller user digital certificate are generated.
Step S206, if the first user confirms the loan amount matched with the first lending information on the block chain, recording the pledge address of the digital asset in the block chain.
Specifically, the address of the pledge digital asset will be published to the borrower and lender. In addition, the user can view the pledge asset condition in real time in the blockchain.
In view of the above features, in the embodiment of the present application, the making of the loan application or the issuing of the loan information by the borrower or the lender may include: the currency of the digital assets to be pledged, the quantity of the digital assets, the scale of the borrowed/lended funds, etc. At the same time, the lending of the funds/the application for borrowing is confirmed by the other party of the pledge (the lender or borrower).
In addition, the borrower and the lender need to sign an electronic contract after determining the intent, and digital assets needing to be pledged in the account of the borrower are frozen. The address of the pledge digital asset will be published to the borrower and lender, and the user can view pledge asset conditions in the blockchain in real time.
According to an embodiment of the present invention, preferably, as shown in fig. 3, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, the recording of the pledge address of the digital asset in the blockchain includes:
step S302, judging whether the second user and the first user sign an electronic contract on the block chain;
namely, the borrower and the lender need to sign the electronic contract after determining the intention, and whether the electronic contract is signed between the second user and the first user on the block chain is judged as a judgment condition for confirming the lending amount of the first borrowing application.
Step S302, if the second user and the first user on the block chain are judged to have signed the electronic contract, the second user releases the loan digital property to the first user according to the electronic contract.
Specifically, after determining to sign the electronic contract, the digital assets in the second user account that need to be pledged will be frozen. Meanwhile, the address of the pledge digital asset is disclosed to the first user and the second user, and the first user or the second user can view the pledge asset condition in the blockchain in real time.
After the freezing operation is completed, the second user issues the loan digital property to the first user according to the contract content. The loan digital property may be a loan digital fund or other valid property.
According to the embodiment of the present invention, as shown in fig. 4, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, after recording the pledge address of the digital asset in the blockchain, the method further includes:
step S402, monitoring the value of a first digital asset used by a first user for pledge;
the monitoring refers to monitoring the value of the first user's pledge digital assets, and the monitoring can be evaluating the value of the borrowed assets according to the market value average value of the corresponding digital assets of the mainstream trading platform, so as to obtain the evaluation value of the pledge digital assets.
Step S404, if the value of the first digital asset of the first user' S pledge is lower than the threshold value, a pledge digital asset adding request is sent to the first user;
if the asset valuation value of the first user's pledge is insufficient, the first user may need to be notified to add pledges. That is, if the value is lower than the threshold value, it is determined that the asset valuation value of the first user's mortgage is insufficient.
Step S406, if the first user does not add a pledge first digital asset, performing transaction processing operation on the first digital asset.
If the first user does not append the digital asset, then disposition is made by moving the already pledged digital asset to a third party transaction.
According to the embodiment of the present invention, as shown in fig. 5, if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, after recording the pledge address of the digital asset in the blockchain, the method further includes:
step S502, monitoring whether the pledged digital assets are due or not;
monitoring whether the pledged digital assets expire or not can be whether the expiration date agreed by the two parties in the electronic contract is exceeded or not; or whether a pre-agreed time limit is exceeded; or a fixed time period.
Step S504, if the pledge digital asset is expired and the first user repays the pledge digital asset on schedule, the pledge digital asset is unfrozen and then is delivered to the first user;
specifically, when the pledge expires, if the borrower makes a periodic payment (which may be a digital asset), the pledge's asset is defrosted and exchanged for the borrower.
Step S506, if the first user does not execute the pledge according to the electronic contract, the transaction processing operation is executed to the digital assets.
Specifically, if the borrower is violating a pledge without following the electronic contract, the asset is moved to the counterparty.
As a preference in the embodiment of the present application, the data processing method for the digital asset may specifically include the following operations and execution steps, including: a first user borrower, and a second user lender.
S1 real-name identity authentication, the borrower and the lender need to do real-name identity authentication in the platform before proceeding the following pledge application and lending operation.
S2 initiates a pledge application or issuing loan information, which is submitted by the borrower or lender and includes information of pledge digital asset currency, digital asset quantity, loan/loan fund size, etc.
S3 the pledge is registered, and the principal confirms the loan/application for the loan. After the borrower and the lender determine the intention, the borrower and the lender need to sign an electronic contract, and digital assets needing to be pledged in the account of the borrower are frozen. The address of the pledge digital asset will be published to the borrower and lender, and the user can view pledge asset conditions in the blockchain in real time.
S4 the lender makes a loan fund to the borrower according to the contents of the contract.
S5, managing the pledge assets, monitoring the value of pledge digital assets in real time, evaluating the value of the loaned assets according to the market price average value of the corresponding digital assets of the mainstream trading platform, if the value of the pledge assets of the borrower is insufficient, informing the user to increase pledges, if the pledge assets are not added by the borrower, automatically transferring the assets to the trading system by the system for disposal.
S6, when the pledge is due, if the borrower repays the pledge on schedule, the assets of the pledge are thawed and exchanged to the borrower; if the borrower has default behavior, the assets are automatically moved to the transaction platform for disposal.
By the method, risks can be effectively controlled, and the operation cost and the capital cost are reduced.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
There is also provided, according to an embodiment of the present invention, an apparatus for implementing the above-described data processing method for a digital asset, as shown in fig. 6, the apparatus including: a blockchain borrowing module 10, configured to send a first borrowing application to a second user on a blockchain by a first user; a first judging module 20, configured to judge whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and the first recording module 30 is configured to record a pledge address of the digital asset in the block chain when it is determined that the second user confirms the loan amount of the first loan application on the block chain.
In the blockchain borrowing module 10 according to the embodiment of the present application, a first user initiates a first borrowing application, that is, a borrowing application is provided on a blockchain.
The second user needs to confirm the loan of funds as another party to the pledge.
When the pledge business process is started, the first user and the second user also need to complete real-name identity authentication.
Specifically, the real-name identity authentication is as follows: the borrower can perform subsequent pledge application operation only after performing real-name identity authentication on the block chain. The lender needs to perform real-name identity authentication on the blockchain before subsequent lending operation can be performed.
The digital assets for the pledge of digital assets are fully publicly available on the blockchain and recorded on the blockchain.
Specifically, the borrowing application issued by the borrower includes, but is not limited to, basic information such as the type of digital assets escorted, the number of digital assets, the size of funds borrowed, and the like.
In the first determining module 20 of the embodiment of the present application, determining whether the second user confirms the loan amount matched with the first loan application on the block chain means that the second user and the first user need to sign an electronic contract after determining the intention to reach the intention of the mortgage. Namely, whether the digital assets of the first user borrowing application are matched with the proposed loan amount of the second user is judged.
Specifically, the borrower and the lender need to sign an electronic contract after determining the intent, and the digital assets needing to be pledged in the borrower account can be frozen.
In the first recording module 30 of the embodiment of the present application, specifically, the address of the pledge digital asset will be published to the borrower and the lender. In addition, the user can view the pledge asset condition in real time in the blockchain.
According to an embodiment of the present invention, preferably, as shown in fig. 7, the apparatus further includes: a blockchain lending module 100, configured to issue first lending information on a blockchain for a second user; a second determining module 200, configured to determine whether the first user confirms the loan amount matched with the first lending information on the block chain; a second recording module 300, configured to determine that the first user confirms the loan amount matched with the first lending information on the blockchain, and record a pledge address of the digital asset in the blockchain.
In the blockchain lending module 100 according to the embodiment of the present application, the second user initiates the first lending information, that is, sends the lending information on the blockchain.
The first user as another party to the pledge needs to confirm whether the second user's loan of funds can satisfy the first user's amount of money.
When the pledge business process is started, the first user and the second user also need to complete real-name identity authentication.
Specifically, the real-name identity authentication is as follows: the lender needs to perform real-name identity authentication on the blockchain before subsequent lending operation can be performed. The borrower can perform subsequent pledge application operation only after performing real-name identity authentication on the block chain.
The digital assets for the pledge of digital assets are fully publicly available on the blockchain and recorded on the blockchain.
Specifically, the borrowing application issued by the borrower includes, but is not limited to, basic information such as the type of digital assets escorted, the number of digital assets, the size of funds borrowed, and the like.
In the second determining module 200 of the embodiment of the application, determining whether the first user confirms the loan amount matched with the first lending information on the block chain means that the second user and the first user need to sign an electronic contract after determining the intention to reach the intention of the pledge. That is, whether the digital assets of the lending information of the second user are matched with the amount of the loan to be planned by the first user is judged.
In the second recording module 300 of the embodiment of the present application, specifically, the address of the pledge digital asset will be published to the borrower and the lender. In addition, the user can view the pledge asset condition in real time in the blockchain.
According to an embodiment of the present invention, preferably, as shown in fig. 8, the first recording module includes: an electronic contract signing unit 301 and a deposit unit 302, wherein the electronic contract signing unit 301 is configured to determine whether to sign an electronic contract between the second user and the first user on the blockchain; the loan unit 302 is configured to, if it is determined that an electronic contract is signed between the second user and the first user on the block chain, the second user issues a loan digital asset to the first user according to the electronic contract.
In the electronic contract signing unit 301 according to the embodiment of the present application, it is necessary to sign an electronic contract after the borrower and the lender determine their intentions, and it is determined whether or not to sign an electronic contract between the second user and the first user on the blockchain as a determination condition for confirming the lending amount of the first lending application.
In the deposit unit 302 of the embodiment of the present application, specifically, after determining to sign the electronic contract, the digital assets needing to be pledged in the second user account are frozen. Meanwhile, the address of the pledge digital asset is disclosed to the first user and the second user, and the first user or the second user can view the pledge asset condition in the blockchain in real time.
After the freezing operation is completed, the second user issues the loan digital property to the first user according to the contract content. The loan digital property may be a loan digital fund or other valid property.
According to an embodiment of the present invention, preferably, as shown in fig. 9, the apparatus further includes: a pledge management module 40, the pledge management module 40 comprising: a monitoring unit 41, a value evaluation unit 42, and a first transaction unit 43, where the monitoring unit 41 is configured to monitor a value of a first digital asset that a first user uses for pledge; the value evaluating unit 42 is configured to send a request for adding a pledge digital asset to the first user when the value of the first digital asset pledged by the first user is lower than a threshold value; the first transaction unit 43 is configured to perform a transaction processing operation on the first digital asset if the first user does not add a pledge to the first digital asset.
The monitoring in the monitoring unit 41 according to the embodiment of the present application refers to monitoring the value of the pledge digital asset of the first user, and the monitoring may be to evaluate the value of the borrowed asset according to the market value average value of the corresponding digital asset of the mainstream transaction platform, so as to obtain the evaluation value of the pledge digital asset.
In the value evaluation unit 42 of the embodiment of the present application, if the asset evaluation value of the first user's pledge is insufficient, the first user needs to be notified to add a pledge. That is, if the value is lower than the threshold value, it is determined that the asset valuation value of the first user's mortgage is insufficient.
In the first transaction unit 43 of the embodiment of the present application, if the first user does not add a digital asset, it is disposed by moving the digital asset that has been taken as a pledge to a third party transaction place.
According to an embodiment of the present invention, preferably, as shown in fig. 10, the apparatus further includes: a pledge expiration processing module, said pledge expiration processing module 50 comprising: the system comprises a monitoring unit 51, a unfreezing unit 52 and a second transaction unit 53, wherein the monitoring unit 51 is used for monitoring whether the pledged digital assets are due or not; the unfreezing unit 52 is configured to monitor that the pledge digital asset is due and the first user pays a fee according to time, and then unfreeze the pledge digital asset and pay the pledge digital asset to the first user; the second trading unit 53 is configured to perform a trading processing operation on the digital asset if the first user does not perform a pledge under the electronic contract.
In the monitoring unit 51 of the embodiment of the present application, whether the expired or not of the pledged digital asset may be whether the expiration exceeds the term agreed by both parties in the electronic contract or not is monitored; or whether a pre-agreed time limit is exceeded; or a fixed time period.
In the thawing unit 52 of the embodiment of the present application, specifically, when the pledge expires, if the borrower pays due (which may be a digital asset), the assets of the pledge are thawed and exchanged to the borrower.
In the second transaction unit 53 of the embodiment of the present application, in particular, if the borrower performs a pledge without following the electronic contract, that is, if a default behavior occurs, it is handled by moving the asset to the transaction party.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (6)
1. A data processing method for a digital asset, comprising:
a first user sends a first borrowing application to a second user on a block chain;
the second user issues first lending information on the block chain;
judging whether the first user confirms the loan amount matched with the first lending information on the block chain; and
if the first user confirms the loan amount matched with the first lending information on the block chain, recording a pledge address of the digital asset in the block chain;
judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and
if the second user confirms the loan amount of the first loan application on the blockchain, recording a pledge address of the digital asset in the blockchain, wherein the recording includes:
judging whether the second user and the first user sign an electronic contract on the block chain; and
and if the second user and the first user on the block chain are judged to have signed the electronic contract, the second user releases the loan digital property to the first user according to the electronic contract.
2. The data processing method of claim 1, wherein if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, recording a pledge address of a digital asset in the blockchain further comprises:
monitoring a value of a first digital asset used by a first user for pledge;
if the value of the first digital asset of the first user's pledge is lower than the threshold value, sending a pledge digital asset request to the first user;
performing a transaction processing operation on a first digital asset if the first user does not add a pledge to the first digital asset.
3. The data processing method of claim 1, wherein if it is determined that the second user confirms the loan amount of the first loan application on the blockchain, recording a pledge address of a digital asset in the blockchain further comprises:
monitoring whether the pledged digital asset is due;
if the pledge digital asset is monitored to be expired and the first user repays the pledge digital asset on schedule, unfreezing the pledge digital asset and then returning the pledge digital asset to the first user;
if the first user does not perform a pledge under the electronic contract, then a transaction processing operation is performed on the digital asset.
4. A data processing apparatus for digital assets, comprising:
the block chain borrowing module is used for sending a first borrowing application to a second user by a first user on a block chain;
the block chain lending module is used for issuing first lending information on a block chain by a second user;
the second judgment module is used for judging whether the first user confirms the loan amount matched with the first lending information on the block chain; and
the second recording module is used for judging that the first user confirms the loan amount matched with the first lending information on the block chain, and then recording the pledge address of the digital asset in the block chain;
the first judgment module is used for judging whether the second user confirms the loan amount matched with the first borrowing application on the block chain; and
the first recording module is used for recording a pledge address of the digital asset in the block chain when judging that the second user confirms the loan amount of the first loan application on the block chain;
the first recording module includes: an electronic contract signing unit and a deposit unit,
the electronic contract signing unit is used for judging whether an electronic contract is signed between the second user and the first user on the block chain;
and the loan unit is used for issuing the loan digital assets to the first user according to the electronic contract by the second user if the second user and the first user on the block chain are judged to have signed the electronic contract.
5. The data processing apparatus of claim 4, further comprising: the pledge management module, the pledge management module includes: a monitoring unit, a value evaluation unit, a first transaction unit,
the monitoring unit is used for monitoring the value of the first digital asset which is used for pledging by the first user;
the value evaluation unit is used for sending a pledge digital asset adding request to the first user when the value of the first digital asset pledged by the first user is lower than a threshold value;
the first transaction unit is used for executing transaction processing operation on the first digital asset if the first user does not add the pledge first digital asset.
6. The data processing apparatus of claim 4, further comprising: a pledge expiration processing module, the pledge expiration processing module comprising: a monitoring unit, a unfreezing unit, a second transaction unit,
the monitoring unit is used for monitoring whether the pledged digital assets expire or not;
the unfreezing unit is used for monitoring that the pledge digital asset is due and the first user pays a fee according to time, unfreezing the pledge digital asset and paying the pledge digital asset to the first user;
and the second transaction unit is used for executing transaction processing operation on the digital assets if the first user does not execute the pledge according to the electronic contract.
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| CN110264338A (en) * | 2019-05-31 | 2019-09-20 | 众安信息技术服务有限公司 | A kind of pledge loaning bill method and system based on the logical card of block chain |
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