CN110415109A - A kind of article pawns online method for running, system and the platform of mortgage - Google Patents

A kind of article pawns online method for running, system and the platform of mortgage Download PDF

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Publication number
CN110415109A
CN110415109A CN201910696831.XA CN201910696831A CN110415109A CN 110415109 A CN110415109 A CN 110415109A CN 201910696831 A CN201910696831 A CN 201910696831A CN 110415109 A CN110415109 A CN 110415109A
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CN
China
Prior art keywords
coin
mortgage
pawns
article
platform
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201910696831.XA
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Chinese (zh)
Inventor
鲍文彬
周伟
王晓光
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Hengshui Haiboyun Technology Co Ltd
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Hengshui Haiboyun Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
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Priority to CN201910696831.XA priority Critical patent/CN110415109A/en
Publication of CN110415109A publication Critical patent/CN110415109A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/08Auctions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Online method for running, the system, platform of a kind of article mortgage mortgage are disclosed, pledge can be converted into financial market by it can be with the security of free trading, its mobility can greatly be increased, give full play to the monetary value of pledge, solve the problems, such as pawn industry financing difficulties, Rapid Accumulation capital quantity, further expansion business.This method includes the following links: (1) in distribution link, going out when people pawns mortgage article, distribution is when the equivalent stabilization coin of gold and locked position, based on the equity token pawned in externally distribution block chain of providing a loan, pawnee buys equity token, cash inputs platform, the equivalent stabilization coin of corresponding cash unlock;(2) link is being redeemed, out when people redeems article with the stabilization coin when golden principal and interest equivalence, the dividend mechanism of starting equity token, then destruction is corresponding stablizes coin and equity token.

Description

A kind of article pawns online method for running, system and the platform of mortgage
Technical field
The present invention relates to the online operators that the technical field of block chain application more particularly to a kind of article pawn mortgage Method and article pawn the online operation system and corresponding platform of mortgage, mainly solve to pawn article by incentive mechanism The Construction Problems of the ecosystem.
Background technique
Pawn broking is most ancient one of the industry of the mankind, can be rated as the founder of modern finance industry, is the predecessor of mortgage bank.In State is one of the country for occurring mortgage activity earliest in the world and forming pawn broking.Through investigating, Chinese pawn broking rudiment is in east The western Two Hans start in the long-living library of Southern Dynasties's temple, enter popular Yu Tangwu for town, found row in the north and south Song dynasty, prosperity declines in two season of Ming and Qing It at the beginning of falling within the late Qing Dynasty people, is banned in nineteen fifties, and revives and reform and open up to the outside world in the present age, experienced more than 1600 years and go through History sink-float." pawn management method " regulation of execution, so-called mortgage from April 1st, 2005 refer to when family is by its movable property, property Right is used as when substance is given as security or mortgages using its real estate as object is worked as to pawning house, and delivery certain proportion expense is obtained when gold, And payment is worked as golden interest, is repaid when the behavior of object is worked as in gold, redemption in agreed period.Popular says, mortgage is sought to property It pledges, there is a kind of mode of phase debt-credit financing with compensation.This is a kind of financing method exchanged money with object, as long as customer is in about timing The interior repayment of principal simultaneously pays certain miscellaneous service charges (retention fee, insurance premium, interest etc. including working as object), so that it may which object is worked as in redemption.
But since pawning house is usually respective independent operation, pawning house is limited by the scarcity of site and trading volume, institute To be difficult quickly to commence business, so pawning the assets that assets are a lack of mobility in general, mortgage can not be really played The monetary value of object.
Summary of the invention
To overcome the shortcomings of existing technologies, the technical problem to be solved in the present invention is to provide a kind of articles to pawn mortgage Online method for running, pledge can be converted into financial market can greatly increase it with the security of free trading Mobility, give full play to the monetary value of pledge, solve the problems, such as pawn industry financing difficulties, Rapid Accumulation capital quantity, Further expansion business.
The technical scheme is that this article pawns the online method for running of mortgage comprising following link:
(1) in distribution link, going out when people pawns mortgage article, distribution is based on when the equivalent stabilization coin of gold and locked position The equity token in the external distribution block chain of loan is pawned, pawnee buys equity token, and cash inputs platform, corresponding existing The equivalent stabilization coin of gold unlock;
(2) link is being redeemed, out when people uses when the stabilization coin of golden principal and interest equivalence redeems article, is starting equity token's Then dividend mechanism destroys corresponding stable coin and equity token.
The present invention is going out when people's mortgage article, and platform generates the stabilization coin and locked position being equivalent to when gold, generates equivalence Equity token, and externally sell, pawnee buys equity token, and corresponding franc stays in platform, and unlocks equivalent stabilization Coin;It when redemption, pawns and expires, redeem article with coin is stablized as people out, start the dividend mechanism of equity token, then destroy phase The stabilization coin and equity token answered;It can be with the security of free trading, Ke Yiji so as to which pledge is converted into financial market The big mobility for increasing it, gives full play to the monetary value of pledge, solves the problems, such as pawn industry financing difficulties, quickly product Tired capital quantity, further expansion business.
Additionally provide a kind of online operation system of article mortgage mortgage comprising with lower module:
Issuing module is configured that and when people pawns mortgage article that the equivalent stabilization coin of gold and locked position are worked as in distribution, Based on the equity token pawned in externally distribution block chain of providing a loan, pawnee buys equity token, and cash inputs platform, corresponding The equivalent stabilization coin of cash unlock;Module is redeemed, is configured that when people is with when the stabilization coin of golden principal and interest equivalence redeems object Product start the dividend mechanism of equity token, then destroy corresponding stable coin and equity token.
A kind of platform of the online method for running of article mortgage mortgage is additionally provided, article more than execution pawns mortgage Online method for running.
Detailed description of the invention
Fig. 1 shows the flow chart that article according to the present invention pawns the online method for running of mortgage.
One Fig. 2 shows the distribution link of the online method for running of article according to the present invention mortgage mortgage is specific real Apply the flow chart of example.
Fig. 3 shows a specific reality of the redemption link that article according to the present invention pawns the online method for running mortgaged Apply the flow chart of example.
Specific embodiment
As shown in Figure 1, this article pawns the online method for running of mortgage comprising following link:
(1) in distribution link, going out when people pawns mortgage article, distribution is based on when the equivalent stabilization coin of gold and locked position The equity token in the external distribution block chain of loan is pawned, pawnee buys equity token, and cash inputs platform, corresponding existing The equivalent stabilization coin of gold unlock;
(2) link is being redeemed, out when people uses when the stabilization coin of golden principal and interest equivalence redeems article, is starting equity token's Then dividend mechanism destroys corresponding stable coin and equity token.
The present invention is going out when people's mortgage article, and platform generates the stabilization coin and locked position being equivalent to when gold, generates equivalence Equity token, and externally sell, pawnee buys equity token, and corresponding franc stays in platform, and unlocks equivalent stabilization Coin;It when redemption, pawns and expires, redeem article with coin is stablized as people out, start the dividend mechanism of equity token, then destroy phase The stabilization coin and equity token answered;It can be with the security of free trading, Ke Yiji so as to which pledge is converted into financial market The big mobility for increasing it, gives full play to the monetary value of pledge, solves the problems, such as pawn industry financing difficulties, quickly product Tired capital quantity, further expansion business.
Preferably, as shown in Fig. 2, the link (1) the following steps are included:
(1.1) it pawns and starts;
(1.2) user, which submits, pawns application;
(1.3) judge whether signing meets the requirements, be to then follow the steps (1.4), it is no to then follow the steps (1.2);
(1.4) by mortgaging intelligent contract, the object of working as people, recording-related information are saved out;
(1.5) platform, which generates, stablizes coin and locked position;
(1.6) platform externally issues the equity token in block chain;
(1.7) pawnee buys equity token to take.
Further, it in the step (1.5), after platform collects Integrated Cost, provides when people and locked position, Integrated Cost is returned flat Platform is held.
Further, in the step (1.6), the distribution equity token equivalent when gold, by the price pair of franc 1:1 Outer sale.
Further, in the step (1.7), pawnee buys equity token, and corresponding franc stays in platform, solves The corresponding equivalent stabilization coin of lock;When all equity token, which are sold, to be completed, stablize coin and unlock completely, mortgage process is completed.
Further, in the step (1.7), after taking stable coin, franc is exchanged according to 1:1 in platform, or Change equity token into.
Preferably, as shown in Fig. 2, the link (2) the following steps are included:
(2.1) go out when people initiates to redeem application;
(2.2) it sends and redeems transaction to the intelligent contract of mortgage;
(2.3) it judges whether there is stable coin not unlock, is to then follow the steps (2.5), it is no to then follow the steps (2.4);
(2.4) the stabilization coin when golden principal and interest quantity is submitted, step (2.6) are jumped to;
(2.5) the stabilization coin of the principal and interest quantity to be committed that part has been unlocked when gold such as;
(2.6) judge whether ransom money principal and interest is enough, be to then follow the steps (2.8), it is no to then follow the steps (2.7);
(2.7) the stabilization coin for buying ransom money difference, jumps to step (2.6);
(2.8) start the dividend mechanism of equity token;
(2.9) it destroys as the corresponding stable coin of gold and equity token;
(2.10) terminate.
Further, in the step (2.8), dividend mechanism is to put down according to the source for pawning income in entire ecology Platform, equity token holder are proportionally divided into, and revenue stream is Integrated Cost and Dang Jin interest.
Accordingly, a kind of online operation system of article mortgage mortgage is additionally provided comprising with lower module:
Issuing module is configured that and when people pawns mortgage article that the equivalent stabilization coin of gold and locked position are worked as in distribution, Based on the equity token pawned in externally distribution block chain of providing a loan, pawnee buys equity token, and cash inputs platform, corresponding The equivalent stabilization coin of cash unlock;Module is redeemed, is configured that when people is with when the stabilization coin of golden principal and interest equivalence redeems object Product start the dividend mechanism of equity token, then destroy corresponding stable coin and equity token.
A kind of platform of the online method for running of article mortgage mortgage is additionally provided, article more than execution pawns mortgage Online method for running.
The present invention is described more particularly below.
It issues in link, out when people's Mortgage assets save out the object of working as people, distribution is when gold by mortgaging intelligent contract Equivalent stabilization coin.It after collecting Integrated Cost, provides when people and locked position, Integrated Cost returns platform to hold, the distribution equity equivalent when gold Token is externally sold by the price of franc 1:1.
Pawnee buys equity token, and corresponding franc stays in platform, unlocks corresponding equivalent stabilization coin.When all stocks When weighing token sale completion, stablize coin and unlock completely, mortgage process is completed.
After client takes stable coin, franc can be exchanged according to 1:1 in platform, or change equity token into.
According to intelligent contract is mortgaged, allusion quotation upon expiration, works as object when people redeem with the stabilization coin for working as golden principal and interest equivalence out, If also stablizing coin not unlock, out when people need to only be redeemed with the stabilization coin for the principal and interest equivalence for having unlocked part, if Out when people stablizes coin deficiency, then to the stabilization coin of buying on balance, it can be bought to platform or stablize coin holder and bought.Platform is received To after stablizing coin, the dividend of starting equity token is promised to undertake, and destroys corresponding stable coin and equity token.
For working as article absolutely, when object assessment amount is at 30,000 yuan or more, open bat is carried out by platform or authorization for auction row It sells.Auction revenue is in deduction auction charges and after golden principal and interest, and remainder, which should be returned, works as family, and insufficient section is chased after to when family Rope.Absolutely when object assessment amount is less than 30,000 yuan, platform is sold off or is handled at a discount.
Dividend mechanism is as follows:
According to the source for pawning income in entire ecology, platform, investor (equity token holder) proportionally divides At revenue stream is exactly Integrated Cost and Dang Jin interest.
The case where working as absolutely:
30000 or more, auction revenue is greater than auction charges and when golden principal and interest, and income, which is equal to, redeems situation
30000 or more, auction revenue is less than auction charges and when golden principal and interest, and platform and fluctuation coin undertake corresponding ratio loss, Penalty values are auction revenue and auction charges and the difference when golden principal and interest
Less than 30,000 yuan, sells off income and be greater than expense of selling off and work as golden principal and interest, then income, which is greater than, redeems situation, only herein Have absolutely when article is divided into income, income has more part to sell off and taking in and sell off expense and when the difference of golden principal and interest
Less than 30,000 yuan, sells off income and be less than expense of selling off and when golden principal and interest, platform and fluctuation coin undertake corresponding ratio damage It loses, penalty values are to sell off income and sell off expense and work as the difference of golden principal and interest
It is exemplified below:
Out when people A pawns article X, being worth is 1,000,000, and when gold is 300,000, combined ratio 2%, the monthly interest fixed rate of interest is 2%.It holds As people B, C, dividend ratio is platform 30%, equity coin holder 70%
Distribution process:
1: initiating to pawn transaction when people A mortgages intelligent contract to platform out
2: object is worked as in intelligent contract keeping
3: coin and locked position are stablized in intelligent contract distribution 300,000
4: intelligent contract issues 300,000 equity token, value and franc 1:1
5: pawnee B 200,000 equity token of purchase
6: coin is stablized in unlock 200,000, and platform collects 4,000 Integrated Costs
7: pawnee C 100,000 equity token of purchase
8: coin is stablized in unlock 100,000, and platform collects 2,000 Integrated Costs, and mortgage process terminates
9: being exchanged into cash in platform when people stablizes coin with 250,000 out
Redemption process:
After 10:3 months, user initiates to redeem
11: user is 300,000+3,*2%,*30 ten thousand=31.8 ten thousand when golden principal and interest
12: user will buy 31.8 ten thousand -5 ten thousand=26.8 ten thousand stabilization coin, can purchase from platform or stable coin holder It buys
13: article is redeemed, and starts dividend mechanism
14: entire income is that Integrated Cost is added when golden interest is 2.4 ten thousand
15: platform income is 7,000 2 hundred, and pawnee's B income is 10,000 1 thousand 2 hundred, and pawnee's C income is 5,000 6 hundred.
The above is only presently preferred embodiments of the present invention, is not intended to limit the present invention in any form, it is all according to According to technical spirit any simple modification, equivalent change and modification to the above embodiments of the invention, still belong to the present invention The protection scope of technical solution.

Claims (10)

1. the online method for running that a kind of article pawns mortgage, it is characterised in that: it is included the following links:
(1) in distribution link, going out when people pawns mortgage article, issuing when the equivalent stabilization coin of gold and locked position, be based on pawning Loan externally issues the equity token in block chain, and pawnee buys equity token, and cash inputs platform, corresponding cash solution Lock equivalent stabilization coin;
(2) link is being redeemed, out when people redeems article, the dividend of starting equity token with the stabilization coin when golden principal and interest equivalence Then mechanism destroys corresponding stable coin and equity token.
2. the online method for running that article according to claim 1 pawns mortgage, it is characterised in that: link (1) packet Include following steps:
(1.1) it pawns and starts;
(1.2) user, which submits, pawns application;
(1.3) judge whether signing meets the requirements, be to then follow the steps (1.4), it is no to then follow the steps (1.2);
(1.4) by mortgaging intelligent contract, the object of working as people, recording-related information are saved out;
(1.5) platform, which generates, stablizes coin and locked position;
(1.6) platform externally issues the equity token in block chain;
(1.7) pawnee buys equity token to take.
3. the online method for running that article according to claim 2 pawns mortgage, it is characterised in that: the step (1.5) In, after platform collects Integrated Cost, provide when people and locked position, Integrated Cost returns platform to hold.
4. the online method for running that article according to claim 3 pawns mortgage, it is characterised in that: the step (1.6) In, the distribution equity token equivalent when gold is externally sold by the price of franc 1:1.
5. the online method for running that article according to claim 4 pawns mortgage, it is characterised in that: the step (1.7) In, pawnee buys equity token, and corresponding franc stays in platform, unlocks corresponding equivalent stabilization coin;When all equitys When token sale is completed, stablize coin and unlock completely, mortgage process is completed.
6. the online method for running that article according to claim 5 pawns mortgage, it is characterised in that: the step (1.7) In, after taking stable coin, franc is exchanged according to 1:1 in platform, or change equity token into.
7. the online method for running that article according to claim 1 pawns mortgage, it is characterised in that: link (2) packet Include following steps:
(2.1) go out when people initiates to redeem application;
(2.2) it sends and redeems transaction to the intelligent contract of mortgage;
(2.3) it judges whether there is stable coin not unlock, is to then follow the steps (2.5), it is no to then follow the steps (2.4);
(2.4) the stabilization coin when golden principal and interest quantity is submitted, step (2.6) are jumped to;
(2.5) the stabilization coin of the principal and interest quantity to be committed that part has been unlocked when gold such as;
(2.6) judge whether ransom money principal and interest is enough, be to then follow the steps (2.8), it is no to then follow the steps (2.7);
(2.7) the stabilization coin for buying ransom money difference, jumps to step (2.6);
(2.8) start the dividend mechanism of equity token;
(2.9) it destroys as the corresponding stable coin of gold and equity token;
(2.10) terminate.
8. the online method for running that article according to claim 7 pawns mortgage, it is characterised in that: the step (2.8) In, dividend mechanism is according to the source for pawning income in entire ecology, and platform, equity token holder are proportionally divided into, and is received Beneficial source is Integrated Cost and Dang Jin interest.
9. the online operation system that a kind of article pawns mortgage, it is characterised in that: comprising the following modules: issuing module, matches It is set to: going out when people pawns mortgage article, issuing when the equivalent stabilization coin of gold and locked position, be based on pawning loan externally distribution area Equity token in block chain, pawnee buy equity token, and cash inputs platform, the equivalent stabilization of corresponding cash unlock Coin;
Module is redeemed, is configured that when people uses when the stabilization coin of golden principal and interest equivalence redeems article, starts equity token's Then dividend mechanism destroys corresponding stable coin and equity token.
10. the platform that a kind of article pawns the online method for running of mortgage, it is characterised in that: it executes institute according to claim 1 The article stated pawns the online method for running of mortgage.
CN201910696831.XA 2019-07-30 2019-07-30 A kind of article pawns online method for running, system and the platform of mortgage Pending CN110415109A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910696831.XA CN110415109A (en) 2019-07-30 2019-07-30 A kind of article pawns online method for running, system and the platform of mortgage

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910696831.XA CN110415109A (en) 2019-07-30 2019-07-30 A kind of article pawns online method for running, system and the platform of mortgage

Publications (1)

Publication Number Publication Date
CN110415109A true CN110415109A (en) 2019-11-05

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Country Status (1)

Country Link
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2021158169A1 (en) * 2020-02-07 2021-08-12 Standard Chartered Bank (Singapore) Limited Methods, systems, and devices of managing digital asset, including digital asset deposits, digital asset term deposits, digital asset withdrawals, and early withdrawals of digital asset term deposits

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2021158169A1 (en) * 2020-02-07 2021-08-12 Standard Chartered Bank (Singapore) Limited Methods, systems, and devices of managing digital asset, including digital asset deposits, digital asset term deposits, digital asset withdrawals, and early withdrawals of digital asset term deposits

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Application publication date: 20191105

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