CN110580652B

CN110580652B - On-chain asset mortgage financing system and method through on-chain digital currency settlement

Info

Publication number: CN110580652B
Application number: CN201910717313.1A
Authority: CN
Inventors: 孟江华; 姚前
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-08-05
Filing date: 2019-08-05
Publication date: 2024-03-22
Anticipated expiration: 2039-08-05
Also published as: CN110580652A

Abstract

The invention discloses an on-chain asset mortgage financing system and method through on-chain digital currency settlement, and relates to the technical field of digital assets. One embodiment of the method comprises the following steps: the borrower asset application terminal system generates an on-chain asset mortgage instruction and then sends the instruction to an asset ledger system; the method comprises the steps that an asset ledger system executes a first intelligent contract in an asset mortgage instruction on a chain to generate asset information to be mortgage; the lender asset application terminal system generates a corresponding on-chain digital money transfer instruction and a synchronous mortgage instruction of the asset to be mortgage, and then sends the two instructions to the asset account system; the asset account book system executes a second intelligent contract in the on-chain digital currency transfer instruction and a third intelligent contract in the to-be-mortgage asset synchronous mortgage instruction to complete the transfer of on-chain digital currency and simultaneously generate a post-quality-escort asset. The embodiment realizes the on-chain asset mortgage financing process through on-chain digital currency settlement based on intelligent contracts, and reduces transaction risks.

Description

On-chain asset mortgage financing system and method through on-chain digital currency settlement

Technical Field

The invention relates to the technical field of digital assets, in particular to an on-chain asset mortgage financing system and method through on-chain digital currency settlement.

Background

At present, the blockchain technology is rapidly developed, and the blockchain is used as a novel decentralised distributed computing paradigm, so that technical support is provided for the operation of various digital assets on a distributed network. The digital assets run on a distributed network of a blockchain, are not billed by a specific third party or a central party, but are billed in a global multi-node consensus way through a shared billing method, and a technical guarantee security system is realized through an encryption algorithm.

In the prior art, typical transaction patterns for blockchain-based digital assets are: the transferor initiates a transaction, transfers a certain number of digital assets corresponding to the asset account address of the receiver, and forms a UTXO (Unspent Transaction Output, non-spent transaction output) transaction request; and after carrying out full network consensus on the UTXO transaction request and verifying the public key and signature of the transferor, the consensus node of the block chain records the UTXO transaction on the chain, so that the transfer of the digital asset from the transferor to the receiver is realized.

In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:

(1) The existing blockchain can only simply complete the operation of transferring the digital assets on the chain, cannot meet the transaction requirements in the real environment, and lacks the process of carrying out mortgage financing transaction on the digital assets on the chain;

(2) Lacking protection of the on-chain digital asset mortgage financing transaction, the borrower of the transaction cannot guarantee that financing funds from the lender's price payment can be received certainly after initiating the asset mortgage financing transaction, and transaction risks exist;

(3) The method for carrying out complete transaction on the asset mortgage financing and digital currency payment on a chain is lacking, and the method for designing the whole-flow intelligent contract is lacking, wherein the whole transaction process is controlled and completed by the two transaction parties individually.

Disclosure of Invention

In view of this, the embodiment of the invention provides a system and a method for on-chain asset mortgage financing through on-chain digital currency settlement, an asset ledger system generates an asset to be mortgage after receiving an on-chain asset mortgage instruction from a borrower, and a lender asset application terminal system pays digital currency on the chain and completes a synchronous mortgage process of the asset to be mortgage, so that whole-course control of the whole on-chain asset mortgage financing process is realized, and transaction risks are reduced.

To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided an on-chain asset mortgage financing system through on-chain digital money settlement, comprising: borrower asset application terminal system, asset ledger system and lender asset application terminal system; the borrower asset application terminal system is used for generating an on-chain asset mortgage instruction containing mortgage asset information based on the asset category, the number of mortgage assets and the asset account address of the lender selected and/or input by the borrower, and sending the on-chain asset mortgage instruction with the borrower signature to the asset account system; the asset ledger system is configured to execute a first intelligent contract included in the mortgage asset information to verify the on-chain asset mortgage instruction with the borrower signature; after verification is passed, spending the mortgage asset information of the corresponding asset class of the borrower according to the mortgage asset quantity, and generating corresponding asset information to be mortgage; the lender asset application terminal system is used for generating an on-chain digital currency transfer instruction containing transferred digital currency information based on lender information selected and/or input by a lender and applied digital currency, and generating a to-be-mortgage asset synchronous mortgage instruction containing to-be-mortgage asset information according to the on-chain digital currency transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a to-be-mortgage asset synchronous mortgage instruction to the asset account book system; wherein the digital currency payable is equivalent to the corresponding on-chain asset; the asset account book system is further used for executing a second intelligent contract contained in the transferred digital currency information and executing a third intelligent contract contained in the to-be-mortgage asset information so as to respectively verify the on-chain digital currency transfer instruction with the lender signature and the to-be-mortgage asset synchronous mortgage instruction; after verification is passed, the transferred digital currency information is spent and transferred digital currency information corresponding to the borrower is generated, and the asset information to be mortgage is spent and mortgage asset information corresponding to the asset ledger address of the lender is generated.

Optionally, the borrower asset application terminal system includes: borrower digital asset wallets, borrower digital currency wallets;

the borrower asset application terminal system generates an on-chain asset mortgage instruction containing mortgage asset information, comprising: the borrower digital asset wallet generates an on-chain asset mortgage instruction containing mortgage asset information and signs the on-chain asset mortgage instruction;

the on-chain asset mortgage instructions include: the mortgage asset information, the to-be-mortgage asset information and the recovery asset information; the mortgage asset information includes: and the asset account book address of the borrower is identified by the mortgage asset index, and the first intelligent contract and the quantity of the mortgage assets for subsequent transaction after the mortgage assets are controlled.

Optionally, the asset ledger system validating the on-chain asset mortgage instructions with the borrower signature, comprising:

verifying a signature of the borrower digital asset wallet in the in-chain asset mortgage instruction; after the verification of the signature is confirmed to be passed,

searching a right person address of the mortgage asset according to the mortgage asset information; verifying whether the address of the right person of the searched mortgage asset accords with a user public key corresponding to the borrower signature of the on-chain asset mortgage instruction; the method comprises the steps of,

Verifying whether the number of the searched mortgage assets is equal to the sum of the number of the received mortgage assets contained in the to-be-mortgage asset information and the number of the received mortgage assets contained in the recovery asset information;

if so, the verification is confirmed to be passed.

Optionally, the borrower digital asset wallet is further configured to, prior to generating the on-chain asset mortgage instructions: generating on-chain asset inquiry request information according to inquiry requirements input and/or selected by the borrower in an on-chain asset inquiry function interface; and sending on-chain asset inquiry request information with the borrower digital asset wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the on-chain asset inquiry request information with the borrower digital asset wallet signature, and after verification, adding a signature to the on-chain asset inquiry result information and returning the on-chain asset inquiry result information to the borrower digital asset wallet in the borrower asset application terminal system;

the borrower digital asset wallet is further configured to: and verifying the on-chain asset inquiry result information, and displaying the on-chain asset inquiry result information to the borrower after the verification is passed.

Optionally, before the borrower digital asset wallet generates an on-chain asset mortgage instruction, the borrower digital currency wallet is further configured to: generating digital currency inquiry request information on a borrower chain according to inquiry requirements input and/or selected by the borrower in an on-chain asset inquiry function interface; transmitting digital currency inquiry request information on a borrower chain with the borrower digital currency wallet signature to the asset account system;

the asset ledger system is further configured to: verifying the digital currency inquiry request information on the borrower chain with the borrower digital currency wallet signature, and after verification, adding the signature to the digital currency inquiry result information on the borrower chain and returning the digital currency inquiry result information to the borrower digital currency wallet in the borrower asset application terminal system;

the borrower digital money wallet is further configured to: and verifying the digital currency inquiry result information on the borrower chain, and displaying the digital currency inquiry result information on the borrower chain to the borrower after the verification is passed.

Optionally, the lender asset application terminal system includes: a lender digital asset wallet, a lender digital currency wallet;

The lender asset application terminal system generates an in-chain digital money transfer instruction containing transferred digital money information based on lender selected and/or entered borrower information and a applied digital money, comprising:

the lender digital currency wallet generates an in-chain digital currency transfer instruction containing transferred digital currency information according to the lender digital currency wallet address information and the applied digital currency selected and/or input by the lender;

the on-chain digital money transfer instructions include: the transferred digital currency information, and the recovered digital currency information; the transferred digital money information includes: the asset account address of the lender, the transferred digital currency index identifier, a second intelligent contract for controlling the subsequent transaction of the transferred digital currency and the quantity of the transferred digital currency;

the lender digital money wallet is further configured to: the on-chain digital money transfer instruction is signed, after which the on-chain digital money transfer instruction with the lender digital money wallet signature is sent to the lender digital asset wallet.

Optionally, the lender asset application terminal system generating the to-be-mortgage asset synchronization mortgage instruction including to-be-mortgage asset information according to the on-chain digital money transfer instruction includes:

After receiving an on-chain digital currency transfer instruction with a lender digital currency wallet signature sent by the lender digital currency wallet, the lender digital asset wallet verifies the lender digital currency wallet signature on the on-chain digital currency transfer instruction; after verification is passed, generating a synchronous mortgage instruction of the assets to be mortgage including information of the assets to be mortgage according to the digital money transfer instruction on the chain;

the to-be-mortgage asset synchronization mortgage instruction comprises: the to-be-mortgage asset information, the mortgage post-asset information and the to-be-mortgage post-subsequent transaction calling parameters; the call parameter of the post-mortgage subsequent transaction is the execution state of the digital money transfer instruction; the to-be-mortgage asset information includes: the method comprises the steps that an index identifier of an asset to be mortgage is used for controlling a third intelligent contract of post-mortgage follow-up mortgage of the asset to be mortgage and the quantity of the asset to be mortgage, wherein the third intelligent contract comprises a mortgage triggering condition verification of the asset to be mortgage, and the mortgage triggering condition of the asset to be mortgage comprises a normal mortgage triggering condition and a withdrawal triggering condition;

the lender digital asset wallet is further configured to: and signing the to-be-mortgage asset synchronous mortgage instruction, and then sending an on-chain digital money transfer instruction with a lender digital money wallet signature and the to-be-mortgage asset synchronous mortgage instruction with the lender digital asset wallet signature to the asset ledger system.

Optionally, the asset ledger system verifies the on-chain digital money transfer instructions with the lender digital money wallet signature, comprising:

verifying a signature of the lender digital money wallet in the on-chain digital money transfer instruction; after the verification of the signature is confirmed to be passed,

searching the address of the right person of the transferred digital currency according to the transferred digital currency information; verifying whether the searched right person address of the transferred digital currency accords with a user public key corresponding to a digital currency wallet signature of a lender of the on-chain digital currency transfer instruction; the method comprises the steps of,

verifying whether the searched quantity of the transferred digital currency is equal to the sum of the quantity of the received digital currency of the digital currency asset detail after transfer and the quantity of the received digital currency of the digital currency asset detail after recovery;

if so, the verification is confirmed to be passed.

Optionally, the lender digital money wallet is further configured to, prior to generating the in-chain digital money transfer instruction:

generating on-chain to-be-mortgage asset inquiry request information according to the inquiry requirements input and/or selected by the lender in the on-chain asset inquiry function interface; the on-chain to-be-mortgage asset inquiry request information with the lender digital asset wallet signature is sent to the asset account book system;

The asset ledger system is further configured to: verifying the on-chain to-be-mortgage asset inquiry request information with the lender digital asset wallet signature, and after verification, adding the signature to the on-chain to-be-mortgage asset inquiry result information and returning to the lender digital asset wallet in the lender asset application terminal system;

the lender digital asset wallet is further configured to: and verifying the inquiry result information of the assets to be mortgage on the chain, and displaying the inquiry result information of the assets to be mortgage on the chain to the lender after the verification is passed.

Optionally, the lender digital money wallet is further configured to, prior to generating the in-chain digital money transfer instruction: generating digital currency inquiry request information on a lender chain according to the inquiry requirements input and/or selected by the lender in the on-chain asset inquiry function interface; transmitting digital currency inquiry request information on a lender chain with the lender digital currency wallet signature to the asset account system;

the asset ledger system is further configured to: verifying the digital currency inquiry request information on the lender chain with the lender digital currency wallet signature, and after verification, adding the signature to the digital currency inquiry result information on the lender chain and returning the digital currency inquiry result information to the lender digital currency wallet in the lender asset application terminal system;

The lender digital money wallet is further configured to: and verifying the digital currency inquiry result information on the lender chain, and displaying the digital currency inquiry result information on the lender chain to the lender after the verification is passed.

Optionally, the asset ledger system verifies the to-be-mortgage asset synchronization mortgage instruction with a lender digital asset wallet signature, including:

verifying a signature of the lender digital asset wallet in the to-be-mortgage asset synchronization mortgage instruction; after the verification of the signature is confirmed to be passed,

verifying whether the asset account address of the lender accords with a user public key corresponding to the digital asset wallet signature of the lender of the to-be-mortgage asset synchronous mortgage instruction; the method comprises the steps of,

verifying whether the call parameters of the post-mortgage subsequent transaction meet the normal mortgage triggering conditions;

if so, the verification is confirmed to pass.

Optionally, the asset ledger system is further configured to: after validating the on-chain digital money transfer instruction, and the to-be-mortgage asset synchronization mortgage instruction, both instructions are simultaneously withdrawn upon confirming that at least one of the two validations is not passed.

Optionally, the borrower asset application terminal system is further configured to: acquiring final chain asset information generated after the asset quality escort to be escorted from the asset account book system, and if the final chain asset information contains the escort asset information, confirming that the asset escort is successful;

The lender asset application terminal system is further configured to: and acquiring the asset information on the final chain of the lender after the asset quality escort from the asset account book system, and if the asset information after the mortgage exists in the asset information on the final chain of the lender, confirming that the asset mortgage is successful.

Optionally, the borrower asset application terminal system is further configured to: acquiring final digital currency information generated after digital currency transfer from the asset account system, and if the digital currency information after transfer exists in the final digital currency information, confirming that asset transfer payment is successful;

the lender asset application terminal system is further configured to: and acquiring final digital currency information generated by the borrower after the transferred digital currency is transferred from the asset account book system, and if the transferred digital currency information exists in the final chain asset information of the lender, confirming that the asset transfer payment is successful.

Optionally, the lender asset application terminal system is further configured to:

detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the to-be-mortgage asset return instruction with the lender signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;

The asset ledger system is further configured to: executing a third intelligent contract contained in the to-be-mortgage asset information of the to-be-mortgage asset return instruction to verify the on-chain to-be-mortgage asset return instruction with the lender signature; and after the verification is passed, spending the asset information to be mortgage and generating returned asset information corresponding to the borrower asset account address.

Optionally, the borrower asset application terminal system is further configured to:

detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending the to-be-mortgage asset return instruction with the borrower signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;

the asset ledger system is further configured to: executing a third intelligent contract contained in the to-be-mortgage asset information of the to-be-mortgage asset return instruction to verify the on-chain to-be-mortgage asset return instruction with the borrower signature; and after the verification is passed, spending the asset information to be mortgage and generating returned asset information corresponding to the borrower asset account address.

Optionally, verifying the to-be-mortgage asset return instruction includes:

verifying the signature of the to-be-mortgage asset return instruction; the method comprises the steps of,

verifying that a waiting time from generating the to-be-mortgage asset information to receiving the to-be-mortgage asset retraction instruction meets a retraction trigger condition.

Optionally, the asset ledger system is further configured to:

executing a third intelligent contract contained in the to-be-mortgage asset information to detect whether the withdrawal trigger condition is met or not through the third intelligent contract, spending the to-be-mortgage asset information if the withdrawal trigger condition is met, and generating the withdrawn asset information corresponding to the asset ledger address of the borrower.

In accordance with another aspect of an embodiment of the present invention, there is provided an on-chain asset mortgage financing method through on-chain digital currency settlement.

An on-chain asset mortgage financing method through on-chain digital currency settlement according to an embodiment of the present invention includes: the borrower asset application terminal system generates an on-chain asset mortgage instruction containing mortgage asset information based on the asset category, the number of mortgage assets and the asset ledger address of the lender selected and/or input by the borrower, and sends the on-chain asset mortgage instruction with the borrower signature to the asset ledger system; the asset ledger system executing a first intelligent contract contained in the mortgage asset information to verify the on-chain asset mortgage instruction with the borrower signature; after verification is passed, spending the mortgage asset information of the corresponding asset class of the borrower according to the mortgage asset quantity, and generating the asset information to be mortgage; the lender asset application terminal system generates an on-chain digital money transfer instruction containing transferred digital money information based on lender information and applied digital money selected and/or input by the lender, and generates a to-be-mortgage asset synchronous mortgage instruction containing to-be-mortgage asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with the lender signature and a to-be-mortgage asset synchronous mortgage instruction to the asset account book system; wherein the digital currency pays for an on-chain asset equivalent corresponding to the number of mortgage assets; the asset account book system executes a second intelligent contract contained in the transferred digital currency information and a third intelligent contract contained in the to-be-mortgage asset information to respectively verify the on-chain digital currency transfer instruction with the lender signature and the to-be-mortgage asset synchronous mortgage instruction; after verification is passed, the transferred digital currency information is spent and transferred digital currency information corresponding to the borrower is generated, and the asset information to be mortgage is spent and mortgage asset information corresponding to the asset ledger address of the lender is generated.

One embodiment of the above invention has the following advantages or benefits: after receiving an on-chain asset mortgage instruction from a borrower, the asset ledger system executes a first intelligent contract to generate an asset to be mortgage, the lender asset application terminal system performs on-chain payment through on-chain digital currency, initiates a digital currency transfer instruction and an asset to be mortgage synchronous mortgage instruction, the asset ledger system executes a second intelligent contract and a third intelligent contract, and meanwhile completes the mortgage of the digital currency and the asset to be mortgage which are processed, and generates a transferred digital currency and an asset after mortgage; the method realizes the complete transaction process of the on-chain asset mortgage and the on-chain digital currency payment, simultaneously controls the process of the on-chain asset mortgage and the on-chain digital currency payment through the intelligent contract, ensures synchronous handling of the assets required to be mortgage by the borrower and the digital currency paid by the lender, and can return the assets to be mortgage to the borrower under the condition that the lender does not normally initiate the corresponding on-chain digital currency transfer instruction within the specified time, thereby greatly reducing transaction risk.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the major subsystems of an on-chain asset mortgage financing system via on-chain digital currency settlement in accordance with an embodiment of the present invention;

FIG. 2 is a schematic diagram of a main flow of asset mortgage through an on-chain asset mortgage financing system for on-chain digital currency settlement in accordance with an embodiment of the present invention;

FIG. 3 is a schematic diagram of a main flow of asset mortgage through an on-chain asset mortgage financing system for on-chain digital currency settlement in accordance with a second embodiment of the present invention;

FIG. 4 is a schematic diagram of the main flow of asset return through an on-chain asset mortgage financing system for on-chain digital currency settlement in accordance with a third embodiment of the present invention;

FIG. 5 is a schematic diagram of a major flow of asset mortgage validation through an on-chain asset mortgage financing system for on-chain digital currency settlement in accordance with a fourth embodiment of the present invention;

FIG. 6 is a schematic flow diagram of a method for on-chain asset mortgage financing through on-chain digital currency settlement in accordance with a first embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the embodiment of the invention, the borrower is a user initiating the on-chain asset mortgage financing operation; the lender is a user who lends the assets on the chain of mortgages and makes a price payment. The borrower and the lender have achieved the following transactions: the borrower gives a certain amount of in-chain assets to the borrower, and the lender pays the digital currency payable to the borrower by means of in-chain digital currency settlement. To effect the above-described transactions of on-chain asset mortgage and on-chain digital currency settlement, blockchain and smart contracts are introduced in embodiments. The intelligent contract is distributed execution software running on a blockchain shared ledger with automated, enforced, trusted security features. After the transaction is initiated, the smart contract may control the transfer, return, etc. of assets and digital money on the chain. The specific implementation principle is as follows:

the borrower initiates a transaction, and gives an on-chain asset X mortgage to the borrower; after receiving the on-chain asset mortgage instruction from the borrower, the asset ledger system executes an intelligent contract to change the on-chain asset X into a to-be-mortgage asset T1, and if X > T1, simultaneously generates a recovery asset T0 (the number of the assets of T0 is equal to the number of the assets of X minus the number of the assets of T1) to the borrower; the lender then generates an in-chain digital money transfer instruction to transfer the digital money Y payable to the borrower; simultaneously, the lender generates a synchronous mortgage instruction of the asset to be mortgage according to the on-chain digital money transfer instruction, and sends the on-chain digital money transfer instruction and the synchronous mortgage instruction of the asset to be mortgage to an asset account system; the asset ledger system executes intelligent contracts, transferring the digital currency Y payable to the borrower, while mortgage the asset to be mortgage T1 to the borrower. In the implementation process, the transaction process of both transaction sides (namely the borrower and the lender) is controlled through the intelligent contract, so that the transaction is safe and reliable, and the transaction risk is prevented.

FIG. 1 is a schematic diagram of the major subsystems of an on-chain asset mortgage financing system via on-chain digital currency settlement in accordance with an embodiment of the present invention; as shown in fig. 1, an on-chain asset mortgage financing system 100 through on-chain digital currency settlement according to a first embodiment of the present invention mainly includes:

the borrower asset application terminal system 101 is configured to generate an on-chain asset mortgage instruction based on the asset class, the number of mortgage assets, and the asset ledger address of the lender selected and/or input by the borrower, and then send the on-chain asset mortgage instruction with the borrower signature to the asset ledger system. Wherein the on-chain asset mortgage instructions include: mortgage asset information (on-chain asset information attributed to the borrower and ready for mortgage to the lender), to-be-mortgage asset information (on-chain asset information generated after execution of the on-chain asset mortgage instruction, to-be-mortgage to the lender), recovery asset information (on-chain asset information transferred to the borrower generated after execution of the asset mortgage instruction in the case where change is required during the asset mortgage), and the like. The borrower asset application terminal system presents an on-chain asset mortgage function interface to the user (i.e., borrower) on the terminal device, which is used for the user to enter and/or select asset mortgage requirements. The borrower selects (or inputs) the asset category, the number of the mortgage assets and the address of the asset account book of the lender in the on-chain asset mortgage functional interface, and then the borrower asset application terminal system can generate an on-chain asset mortgage instruction; and then signing the on-chain asset mortgage instruction by using the user private key of the borrower, and sending the on-chain asset mortgage instruction signed by the user private key of the borrower to an asset ledger system.

The asset ledger system 102 is configured to execute a first intelligent contract included in the mortgage asset information in the on-chain asset mortgage instruction, to verify the on-chain asset mortgage instruction with the borrower signature, and after verification, to spend the mortgage asset information of the corresponding asset class of the borrower according to the number of mortgage assets, and to generate corresponding to-be-mortgage asset information. The intelligent contract layer execution module of the asset account book system performs a verification operation: verifying a signature of an asset mortgage instruction on a chain; searching the right address of the mortgage asset according to the mortgage asset information, and verifying that the searched right address of the mortgage asset accords with a user public key corresponding to a borrower signature of an asset mortgage instruction on a chain; and verifying that the number of the searched mortgage assets is equal to the sum of the number of the received mortgage assets contained in the to-be-mortgage asset information and the number of the received mortgage assets contained in the recovery asset information. After verification is completed, the intelligent contract layer executing module executes the on-chain asset mortgage instruction to spend the mortgage asset, and generates the to-be-mortgage asset and the recovery asset corresponding to the on-chain asset mortgage instruction.

Wherein the meaning of "spending" in "spending a messages, generating corresponding B messages" can be understood as: and generating a corresponding B message according to the A message, marking the state of the A message as a spent state, and establishing an association relation representing the spent with the B message. The meaning of "spending" is understood throughout as described above.

A lender asset application terminal system 103 for generating an on-chain digital money transfer instruction corresponding to the digital money payable based on lender selected and/or input borrower information and the digital money payable, and generating a to-be-mortgage asset synchronization mortgage instruction according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with a lender signature and a to-be-mortgage asset synchronous mortgage instruction to an asset account book system; wherein the digital currency is payable with an on-chain asset equivalent corresponding to the number of mortgage assets.

The asset ledger system 102 is further configured to execute a second intelligent contract in the transferred digital money information in the on-chain digital money transfer instruction and a third intelligent contract in the to-be-mortgage asset information in the to-be-mortgage asset synchronization mortgage instruction to verify the on-chain digital money transfer instruction and the to-be-mortgage asset synchronization mortgage instruction with the lender signature, respectively; after verification is passed, the transferred digital currency information is spent and transferred digital currency information corresponding to the borrower is generated, and the asset information to be mortgage is spent and mortgage asset information corresponding to the asset ledger address of the lender is generated. An intelligent contract layer execution module of the asset ledger system performs verification operations comprising: (1) verify digital money transfer instructions on the chain: verifying a signature of the lender digital money wallet in the on-chain digital money transfer instruction; after the signature verification is confirmed to pass, searching the address of the right person of the transferred digital currency according to the transferred digital currency information; verifying whether the searched right person address of the transferred digital currency accords with a user public key corresponding to a digital currency wallet signature of a lender of the on-chain digital currency transfer instruction; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the digital currency asset detail after transfer and the amount of digital currency received for the digital currency asset detail after recovery; if so, the verification is confirmed to be passed. (2) verifying a to-be-mortgage asset synchronization mortgage instruction: verifying a signature of the lender digital asset wallet in the to-be-mortgage asset synchronization mortgage instruction; after the signature verification is confirmed, verifying whether the asset account address of the lender is consistent with a user public key corresponding to the digital asset wallet signature of the lender of the synchronous mortgage instruction of the asset to be mortgage; and, (3) verifying whether the post-mortgage subsequent transaction calling parameters meet the normal mortgage triggering conditions; if so, the verification is confirmed to pass. After the verification is passed, the intelligent contract layer executing module executes the above-mentioned on-chain digital currency transfer instruction and the to-be-mortgage asset synchronous mortgage instruction, spends the transferred digital currency information and generates the transferred digital currency information corresponding to the borrower digital currency wallet address, and spends the to-be-mortgage asset information and generates the mortgage asset information corresponding to the lender asset account address; wherein the borrower digital money wallet may be in the borrower asset application terminal system.

FIG. 2 is a schematic diagram of the main flow of asset mortgage through an on-chain asset mortgage financing system for on-chain digital currency settlement in accordance with one embodiment of the present invention. As shown in fig. 2, a main process of performing an asset mortgage by an on-chain asset mortgage financing system for on-chain digital currency settlement according to an embodiment of the present invention includes the following steps:

step S201: the borrower accesses the borrower asset application terminal system installed on the borrower terminal device, submits identification information according to a preset login identification mode, and logs in the borrower asset application terminal system.

The asset application terminal system may be system software installed on the terminal device corresponding to the asset ledger system; the user may download and install asset application terminal system software from the asset hosting system by accessing the asset hosting system. The terminal device may be various electronic devices having a display screen and supporting web browsing, such as a mobile phone, a tablet computer, a desktop computer, etc. The login identification mode can be a mode of user name and password identification, fingerprint identification, face identification and the like, and the corresponding identification information can be: a user name and a password, or an identification code of a preset format corresponding to the user name. The identification code in the preset format can be a password in the form of characters, and can also be a biological identification code, such as fingerprint, facial information, iris information and the like of the user.

After the borrower asset application terminal system identifies the user, the borrower is determined to be the user locally associated with the private key of the specific user. The borrower asset application terminal system includes a local security module in which a user private key and a user public key are stored. The user public key and the user private key are generated locally by the asset application terminal system using an asymmetric encryption algorithm. The user private key can be used for signing data information such as user identity information, user bank card information, user biological identification code information or user identity certificate, and the like, and can also be used for signing digital asset information in a subsequent asset transaction or financing process so as to confirm ownership of the transaction; the user public key may be used to perform a corresponding verification of the data information signed by the user private key.

It should be noted that in the asset transaction process, the real-name user transaction may be an anonymous user transaction. For real-name users, real-name user information may be registered in the asset hosting system, the real-name user information corresponding to an asset ledger address of the record asset owner in the asset ledger system. The asset hosting system stores real name account book records corresponding to users. The asset hosting system may be a system that hosts a real-name registration asset under a chain by a user through a designated asset hosting party and that registers and manages the process of hosting the asset to issue digital assets on a blockchain, which the user may access through the Web or other means, including an under-chain asset uplink flow and an on-chain asset downlink flow. The under-chain asset uplink is that real-name assets of users under the blockchain are managed by an asset managing party, and then the asset managing system issues digital assets on the chain to an asset account system based on the blockchain; the down chain of the chain asset is to invalidate the digital asset of the user on the blockchain and transfer the corresponding down chain host asset of the digital asset back to the user. The real name account book record comprises: an identity credential associated with the identity information of the user and an asset ledger address associated with the identity information of the user, the identity credential comprising: the identity of the user and the user public key. The on-chain asset corresponds to at least one asset ledger address that corresponds to a user public key, so that a user holding a user private key corresponding to the user public key can operate the on-chain asset. The identity certificate may be a CA (Certification Authority, certificate authority) certificate provided for non-repudiation of information.

Step S202: and the borrower asset application terminal system generates an on-chain asset mortgage instruction containing the mortgage asset information according to the asset type selected by the borrower, the input mortgage asset quantity and the asset account address of the lender, and then sends the on-chain asset mortgage instruction with the borrower signature to an intelligent contract layer execution module of the asset account system.

The asset account system is based on a blockchain technology and comprises an intelligent contract layer executing module and a consensus account layer executing module, wherein the intelligent contract layer executing module is used for receiving user instructions and executing the instructions; the consensus account layer execution module is used for realizing operations such as verification, inquiry, recording and the like. The on-chain assets in the asset ledger system are identified by asset sequence numbers or asset indexes.

The on-chain asset mortgage instruction refers to an instruction that a borrower initiates digital asset mortgage to an intelligent contract layer execution module for digital assets which are on the chain. In an alternative embodiment, the on-chain asset mortgage instructions include: the mortgage asset information, the to-be-mortgage asset information, the recovery asset information and the like; in embodiments, the above information may be stored in a list form. Wherein the mortgage asset information further includes a mortgage asset index identifier for identifying a designation when retrieving the asset information to indicate that the mortgage asset is identified based on the asset serial number or pattern of the asset index, rather than based on the account pattern.

In an alternative embodiment, the mortgage asset information includes: asset serial numbers, asset indexes, mortgage asset details, intelligent contracts for controlling subsequent transactions after mortgage assets, and the like; the mortgage asset details include: asset account addresses of borrowers, number of mortgage assets, etc.; the to-be-mortgage asset information includes: asset serial number, asset index, to-be-mortgage asset details including: an asset account address of the lender, a number of received assets, etc.; retrieving asset information includes: asset serial number, asset index, recovery asset details, intelligent contracts to control subsequent transactions after recovery asset, etc., recovery asset details including: the borrower's asset ledger address, the number of received assets, etc. And the asset account book address of the lender set in the mortgage asset details is the asset account book address corresponding to the public key of the user of the lender.

It should be noted that, the mortgage asset information, the to-be-mortgage asset information and the recovery asset information may include an intelligent contract for controlling the subsequent transaction, where the intelligent contract includes a trigger condition of the subsequent transaction. Without being specifically stated, the smart contract is about a conventional non-customized default smart contract. The triggering conditions of the intelligent contract of the to-be-mortgage asset information are two, one is a normal mortgage triggering condition, and the other is a withdrawal back triggering condition, and the triggering conditions can be specifically set according to the conventions of both transaction parties.

And the normal mortgage triggering condition is that the assets to be mortgage finally generate the mortgage assets actually received by the lender. For example, the borrowing Fang Xian of the transaction parties and the assets on the mortgage chain generate corresponding assets to be mortgage (the assets to be mortgage belong to in-transit state and do not belong to any transaction party); after the lender is set to successfully execute the on-chain payment transaction, the generation of the asset account address of the asset to be mortgage as the mortgage asset of the lender can be finally completed; specifically, in some embodiments, the lender must initiate an in-chain digital money transfer instruction to the borrower and treat the result of successful execution as a pre-verification that can be used as a normal mortgage trigger for the lender to mortgage the asset to be mortgage as a post-mortgage asset, initiated by the lender in response to the digital money transfer amount.

The retraction triggering condition is retracted, which means that the assets to be mortgage are retracted to the borrower. For example, borrowing Fang Xian of both parties to a transaction is performed on assets on a mortgage chain to generate corresponding assets to be mortgage; and setting if the borrower cannot provide payment to the account book within a specified time or the lender cannot successfully execute the payment transaction; or setting a digital money transfer instruction on a failing-to-full-amount initiating chain of the lender, initiating a to-be-mortgage asset mortgage instruction according to the digital money transfer amount, and executing a new transaction on the balance of the to-be-mortgage asset after the mortgage asset is escorted to return to the borrower when the to-be-mortgage asset has the balance.

After the borrower asset application terminal system generates the on-chain asset mortgage instruction, the on-chain asset mortgage instruction is signed by using the user private key of the borrower, and then the on-chain asset mortgage instruction with the signature of the user private key of the borrower is sent to the intelligent contract layer executing module so as to trigger the intelligent contract layer executing module to execute the intelligent contract contained in the mortgage asset information of the on-chain asset mortgage instruction.

Step S203: and the intelligent contract layer execution module of the asset account book system verifies the on-chain asset mortgage instruction, and executes the on-chain asset mortgage instruction after the verification is passed.

The verification implementation process comprises the following steps: verifying a signature of an on-chain asset mortgage instruction for on-chain settlement; searching the right addresses of transferred assets and the number of the mortgage assets according to the transferred asset information, and verifying that the searched right addresses of the mortgage assets are consistent with the user public keys corresponding to the signatures of the on-chain asset mortgage instructions; and verifying that the number of the searched mortgage assets is equal to the sum of the number of the received mortgage assets of the to-be-mortgage asset detail and the number of the received assets of the recovery asset detail.

The matching in the embodiment of the invention means that the result obtained by hash operation of the user public key is identical with the address of the right person to which the asset on the corresponding chain belongs. The on-chain asset mortgage instruction actually comprises follow-up transaction calling parameters required by the intelligent contract for executing the asset transaction, and the intelligent contract layer executing module executes the intelligent contract in the on-chain asset mortgage instruction after receiving the on-chain asset mortgage instruction. In an embodiment, an executing intelligent contract which is included in the mortgage asset information of the chain asset mortgage instruction and can trigger the mortgage asset to perform subsequent operation is called a first intelligent contract.

The intelligent contract execution process of the mortgage assets to be mortgage assets is as follows: and checking the signature of the on-chain asset mortgage instruction by using the first intelligent contract contained in the mortgage asset information, judging whether the specified triggering condition in the first intelligent contract is met, if so, generating the to-be-mortgage asset information according to the on-chain asset mortgage instruction, namely spending the to-be-mortgage asset, and generating the to-be-mortgage asset information corresponding to the on-chain asset mortgage instruction and retrieving the asset information. After the first intelligent contract of the on-chain asset mortgage instruction is executed, the mortgage asset is converted into a corresponding asset to be mortgage.

Step S204: and the intelligent contract layer execution module of the asset ledger system records the execution result information of the on-chain asset mortgage instruction to the consensus ledger layer execution module. The intelligent contract layer executing module records the execution result of spending the mortgage assets, generating the information of the assets to be mortgage corresponding to the on-chain asset mortgage instructions and the information of the retrieved assets to the consensus account layer executing module.

Step S205: the lender accesses the lender asset application terminal system installed on the lender terminal device, submits identification information according to a preset login identification mode, and logs in the lender asset application terminal system. The implementation principle of this step is the same as step S201. The execution order of this step is not limited in the embodiment, and it may be executed before step S206. After the lender asset application terminal system identifies the user, it is determined that the lender is the user locally associated with the particular user private key. The lender asset application terminal system also includes a local security module in which user private and public key information is stored.

Step S206: the lender asset application terminal system generates an on-chain digital money transfer instruction according to the lender digital money wallet address information and the applied digital money, and generates a to-be-mortgage asset synchronous mortgage instruction according to the on-chain digital money transfer instruction; and then, sending an on-chain digital money transfer instruction with the lender signature and a to-be-mortgage asset synchronous mortgage instruction to the asset ledger system.

The process of making in-chain payments by digital currency is: the lender asset application terminal system generates an on-chain digital money transfer instruction based on the lender digital money wallet address information selected and/or entered by the lender and the payable digital money equivalent to the on-chain asset corresponding to the number of mortgage assets. A second smart contract included in the transferred digital money information in the on-chain digital money transfer instruction may control a subsequent transaction of the transferred digital money; wherein the transferred digital currency information needs to include a transferred digital currency index identification to indicate that the transferred digital currency is identified based on a currency mode, rather than an account mode.

The to-be-mortgage asset synchronous mortgage instruction refers to a mortgage instruction which can be initiated by a lender to an intelligent contract execution layer module and aims at to-be-mortgage asset information, and the instruction is used for triggering the execution of a third intelligent contract (namely, an intelligent contract for changing to-be-mortgage asset information into post-quality-escort asset information) contained in the to-be-mortgage asset information.

In an alternative embodiment, the to-be-mortgage asset synchronization mortgage instructions include: and the asset information to be mortgage, the asset information after mortgage, the call parameters of post-subsequent transaction after mortgage, and the like. The parameters to be called for the post-mortgage subsequent transaction refer to parameters to be called when the third intelligent contract contained in the information of the mortgage asset is executed, and the parameters can be that the lender successfully executes the on-chain digital money transfer instruction; the quality post-escort asset information refers to a final asset generated after executing the intelligent contract contained in the to-be-escorted asset information; the to-be-mortgage asset information also comprises an to-be-mortgage asset index identifier for identifying a designation when retrieving the asset information to indicate that the to-be-mortgage asset is identified based on an asset serial number or a pattern of the asset index, rather than an account pattern.

In an embodiment, the post-mortgage asset information includes: post-mortgage asset details including: the address of the asset account book of the lender, the index identifier of the assets after the mortgage, the number of the assets after the mortgage, and the like are received, and the verification of the mortgage asset returning or clearing triggering condition is included in the intelligent contract for controlling the subsequent transaction of the mortgage assets. It should be noted that the post-mortgage asset information also includes an intelligent contract for the subsequent transaction, and the intelligent contract includes a trigger condition of the subsequent transaction and verification of the trigger condition.

Step S207: an intelligent contract layer execution module of the asset account book system respectively verifies the digital money transfer instruction on the chain and the synchronous mortgage instruction of the asset to be mortgage; after verification is passed, on-chain digital money transfer instructions and to-be-mortgage asset synchronization mortgage instructions are executed.

The verification implementation process comprises the following steps: (1) verify digital money transfer instructions on the chain: verifying a signature of the lender digital money wallet in the on-chain digital money transfer instruction; after the signature verification is confirmed to pass, searching the address of the right person of the transferred digital currency according to the transferred digital currency information; verifying whether the searched right person address of the transferred digital currency accords with a user public key corresponding to a lender signature of the on-chain digital currency transfer instruction; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the digital currency asset detail after transfer and the amount of digital currency received for the digital currency asset detail after recovery; if yes, confirming that the verification is passed;

(2) Verifying a synchronous mortgage instruction of an asset to be mortgage: verifying a signature of the lender digital asset wallet in the to-be-mortgage asset synchronization mortgage instruction; after the signature verification is confirmed, verifying whether the asset account address of the lender is consistent with a user public key corresponding to the digital asset wallet signature of the lender of the synchronous mortgage instruction of the asset to be mortgage;

(3) And verifying whether the call parameters of the post-mortgage subsequent transaction meet the normal mortgage triggering conditions, if so, confirming that the verification is passed. In this embodiment, the normal mortgage trigger condition may be: after the system tries to run the on-chain digital money transfer instruction with the lender digital money wallet signature, the validation can be successfully performed.

After the verification is passed, the intelligent contract layer executing module executes the above-mentioned on-chain digital currency transfer instruction and the to-be-mortgage asset synchronous mortgage instruction, spends the transferred digital currency information and generates transferred digital currency information corresponding to the on-chain digital currency wallet address of the borrower, and spends the to-be-mortgage asset information and generates mortgage asset information corresponding to the asset account address of the lender; in some embodiments, the borrower's in-chain digital currency wallet belongs to the borrower's asset application terminal system.

It should be noted that after verifying the on-chain digital money transfer instruction and the to-be-mortgage asset synchronization mortgage instruction, the asset ledger system may be further configured to cancel both instructions at the same time, i.e., the asset ledger system does not update the execution results of both instructions, if at least one of the two verifications is confirmed to be failed.

The transferred digital money information of the on-chain digital money transfer instruction actually contains a second intelligent contract for triggering the subsequent transaction of the transferred digital money;

the to-be-mortgage asset synchronous mortgage instruction actually comprises follow-up transaction calling parameters required by an intelligent contract for executing the asset transaction, and after receiving the to-be-mortgage asset synchronous mortgage instruction, the intelligent contract layer executing module executes the intelligent contract in the to-be-mortgage asset synchronous mortgage instruction. In an embodiment, the smart contract included in the asset information to be mortgage is referred to as a third smart contract.

The intelligent contract execution process of transferring digital currency into transferred digital currency and mortgage assets to be mortgage into mortgage assets is as follows:

and checking whether a post-mortgage subsequent transaction calling parameter of the to-be-mortgage asset contained in the to-be-mortgage asset synchronous mortgage instruction meets a normal mortgage triggering condition appointed in the third intelligent contract by using the third intelligent contract contained in the to-be-mortgage asset information, and if so, generating post-mortgage asset information according to the to-be-mortgage asset synchronous mortgage instruction, namely spending the to-be-mortgage asset, and generating post-mortgage asset information corresponding to the to-be-mortgage asset synchronous mortgage instruction. After the third intelligent contract of the to-be-mortgage asset synchronous mortgage instruction is executed, the to-be-mortgage asset is completed to be a final mortgage;

Meanwhile, controlling the transferred digital money to be transferred into the transferred digital money corresponding to the asset account address of the borrower using the second smart contract included in the transferred digital money information;

wherein the specified normal mortgage trigger condition may be: after the lender successfully executes the on-chain digital money transfer instruction, the execution result is transmitted to a third intelligent contract of the asset to be mortgage as a calling parameter for verification, and the result passing the verification is used as a normal mortgage triggering condition.

It should be noted that, in the application scenario of mortgage financing, although the mortgage asset information includes the asset account address of the lender, the intelligent contract for controlling the post-transaction of the mortgage asset specifies that the lender only has the right to pay for the mortgage asset or to return for the mortgage asset, so that the lender cannot transfer the mortgage asset, and perform the operations of mortgage asset return or mortgage asset clear.

Step S208: and the intelligent contract layer execution module of the asset ledger system records the execution result information of the synchronous mortgage instruction of the assets to be mortgage and the on-chain digital money transfer instruction to the consensus ledger layer execution module. The intelligent contract layer execution module records the following two execution results to the consensus account layer execution module: (1) Spending the transferred digital currency information and generating transferred digital currency information corresponding to an on-chain digital currency wallet address of the borrower; (2) Meanwhile, spending the asset information to be mortgage and generating mortgage asset information corresponding to the asset account address of the lender;

In the process, the execution result of the two instructions is synchronously updated under the control of the asset ledger system.

Embodiment two: the transaction parties need to do some preparation work, such as logging in to the respective asset application terminal system, querying the respective in-chain assets, etc., before the transaction. In the second embodiment, the borrower queries the in-chain assets held by the borrower through the asset application terminal system thereof, so that the borrower can select asset types and input the number of mortgage assets based on the acquired in-chain asset query result information; the borrower asset application terminal system may include a borrower digital asset wallet and a borrower digital currency wallet. The lender inquires whether the corresponding to-be-mortgage asset information is generated in the asset account book system through the asset application terminal system of the lender, so that the lender can conveniently start to pay in a chain; wherein, lender asset application terminal system includes: lender digital asset wallets and lender digital currency wallets. The specific implementation is as follows:

FIG. 3 is a schematic diagram of a main flow of asset mortgage through an on-chain asset mortgage financing system for on-chain digital currency settlement in a second embodiment of the present invention. As shown in fig. 3, the main process of performing an asset mortgage by the on-chain asset mortgage financing system for on-chain digital currency settlement according to the second embodiment of the present invention includes the following steps:

Step S301: the borrower accesses the borrower asset application terminal system installed on the borrower terminal device, submits identification information according to a preset login identification mode, and logs in the borrower asset application terminal system. This step is the same as the implementation of step S201.

The following steps S302 to S304 are the process of the borrower user inquiring and obtaining the on-chain asset inquiry result information:

step S302: the borrower asset application terminal system displays an on-chain asset inquiry function interface to the borrower on the borrower terminal device, generates on-chain asset inquiry request information according to inquiry requirements input and/or selected by the borrower in the on-chain asset inquiry function interface, and then sends the on-chain asset inquiry request information with a borrower digital asset wallet signature to a consensus account book layer execution module of the asset account book system.

The borrower enters an on-chain asset inquiry function interface provided by the borrower asset application terminal system, wherein the on-chain asset inquiry function interface is used for inputting and/or selecting inquiry requirements by a user, and the on-chain asset inquiry request information initiated by the borrower is formed together. The in-chain asset query request information refers to a request that the borrower can initiate a digital asset query for digital assets that it has already uplink. In an alternative embodiment, the on-chain asset query request information includes: and the asset account book address and the query requirement corresponding to the borrower.

Query requirements refer to some limiting factor that users may use to make in-chain asset queries. In an alternative embodiment, the query requirement includes: query conditions and query results. The query condition may be any one or more of the following: asset serial number, asset class, asset status, etc. Wherein the asset status includes: an active state, a frozen state, a disabled state, etc.

The query result may be any one or more of the following: the method comprises the steps of asset number, asset detail, initial block information, final block information, asset transaction history records, managed asset storage information corresponding to the initial block, managed asset storage information corresponding to the final block and the like. The initial block information includes: an initial block number, an asset serial number, hosted asset registration index information, hosted asset description information, a rights man address, a number of asset issuing units, and a number of valid asset units. The termination block information includes: the final block corresponds to the final initial block record list, the final block number and updated managed asset registration index information with the storage service system signature. The hosted asset preservation information may be considered to be comprehensive hosted asset information stored in the storage service system that is related to a downlink return of a downlink asset to a link or link asset hosting a link, validating an asset hosting party as a hosted asset entitlement, in an alternative embodiment, the hosted asset preservation information includes: the paper document is electronic or purely electronic credential information (e.g., may be an electronic signature archive or a result queried by an asset rights registration system).

This step is used to cause the borrower to initiate an operation of querying the in-chain asset information to the borrower asset application terminal system. A specific implementation may be a corresponding function of the borrower accessing a digital asset wallet of the borrower asset application terminal system. It should be noted that if the on-chain asset inquiry request information includes an asset class, only the on-chain asset corresponding to the asset class is inquired; and if the on-chain asset inquiry request information does not contain the asset class, inquiring the on-chain assets corresponding to all the asset classes.

Step S303: and the common account layer execution module of the asset account system verifies the on-chain asset query request information, and after the verification is passed, the on-chain asset query result information corresponding to the asset account address of the borrower is added with a signature and returned to the borrower asset application terminal system.

Wherein verifying the content comprises: the signature of the asset query request information on the chain is verified.

The on-chain asset query result information includes: the on-chain asset query request information with borrower digital asset wallet signature, asset class, list of on-chain non-spent asset information, list of valid initial block information corresponding to on-chain non-spent asset, etc. The on-chain unexpired asset information includes: rights addresses, asset categories, number of assets, etc. The rights addresses of the unused asset information on each chain in the list of the unused asset information on the chain are the same as the asset ledger addresses of the relay acquirers of the asset inquiry request information on the chain. The valid initial block information includes: on-chain hosted asset release information, on-chain hosted asset registration index information, and the like.

Step S304: and the transferor asset application terminal system verifies the signature of the on-chain asset inquiry result information, and displays the on-chain asset inquiry result information to the transferor after the verification is passed. And the transferor selects the asset category according to the displayed on-chain asset inquiry result information, and initiates an on-chain asset mortgage request through on-chain digital currency settlement after inputting the number of mortgage assets and the asset account address of the lender.

The following steps S305 to S307 are the process of the borrower user inquiring and obtaining the digital money inquiry request information on the borrower chain:

step S305: the borrower asset application terminal system displays an on-chain digital currency inquiry function interface to the borrower on the borrower terminal device, and according to the inquiry requirement input and/or selected by the borrower in the on-chain asset inquiry function interface, a borrower digital currency wallet in the borrower asset application terminal system generates on-chain digital currency inquiry request information of the borrower, and then sends the on-chain digital currency inquiry request information with a borrower digital asset wallet signature to a consensus account layer execution module of the asset account system.

The digital money inquiry request on the borrower chain may include: digital money wallet address information on the borrower's chain; if the request contains a digital currency class number, only that class digital currency may be queried, otherwise all types of digital currencies are queried. In particular, in a cross-border scenario, multiple digital currencies may be queried on the chain.

Step S306: and the common account book layer execution module of the asset account book system verifies the digital currency inquiry request information on the borrower chain, and after the verification is passed, the digital currency inquiry result information on the chain corresponding to the digital currency wallet address on the borrower chain is added with a signature and returned to the borrower asset application terminal system.

Wherein verifying the content comprises: the signature of the digital money inquiry request message on the borrower chain is verified.

The digital currency query result on the borrower chain may include: query request information with borrower digital money wallet signature, digital money category, list of non-spent digital money information on the chain, list of valid initial block information corresponding to the digital money category number, etc. The rights address information for each of the unexpended digital currency information in the chain unexpended digital currency information list is identical to the digital currency wallet address information on the borrower chain in the query request.

Step S307: and the borrower asset application terminal system verifies the signature of the digital currency inquiry result information on the borrower chain, and displays the digital currency inquiry result information on the borrower chain to the borrower after the signature passes the verification. The borrower can know the current digital currency according to the displayed digital currency inquiry result information on the borrower chain, so that the check of the held digital currency amount after the complete on-chain asset mortgage process is finished successfully is facilitated.

In some embodiments, the borrower user may query the precedence of the asset information on the chain and the digital currency information on the borrower chain indefinitely, or even in parallel.

In particular, the process of querying the borrower' S on-chain digital currency at steps S305-S307 is optional, as the on-chain digital currency itself may query the transaction trajectory.

Step S308: after receiving the on-chain asset mortgage request in step S304, the borrower digital asset wallet in the borrower asset application terminal system generates an on-chain asset mortgage instruction containing mortgage asset information according to the asset type selected by the borrower, the input mortgage asset quantity and the asset ledger address of the lender, and then sends the on-chain asset mortgage instruction with the borrower signature to an intelligent contract layer execution module of the asset ledger system. This step is the same as the implementation of step S202.

Step S309: the intelligent contract layer execution module of the asset ledger system executes the first intelligent contract included in the mortgage asset information in step S308 to verify the on-chain asset mortgage instruction, and after the verification is passed, spending the mortgage asset information of the corresponding asset class of the borrower according to the number of the mortgage assets, and generating the asset information to be mortgage. This step is the same as the implementation of step S203.

Step S310: and the intelligent contract layer execution module of the asset ledger system records the execution result information of the on-chain asset mortgage instruction to the consensus ledger layer execution module. This step is the same as the implementation of step S204.

Step S311: the lender accesses the lender asset application terminal system installed on the lender terminal device, submits identification information according to a preset login identification mode, and logs in the lender asset application terminal system. The implementation principle of this step is the same as step S205. The execution order of this step is not limited in the embodiment, and it may be executed before step S312.

The following steps S312 to S314 are the process of the lender user querying and obtaining the query result information of the on-chain to-be-mortgage asset:

step S312: the lender asset application terminal system displays an on-chain asset inquiry function interface to the lender on the lender terminal equipment, generates on-chain to-be-mortgage asset inquiry request information according to inquiry requirements input and/or selected by the lender in the on-chain asset inquiry function interface, and then sends the on-chain to-be-mortgage asset inquiry request information with a lender signature to a consensus account book layer execution module of the asset account book system.

The on-chain to-be-mortgage asset inquiry request information can be a request initiated by a lender digital asset wallet in a lender asset application terminal system to an asset ledger system for inquiring to-be-mortgage assets which are derived from a borrower and are mortgage by the address of the asset ledger. In an alternative embodiment, the on-chain to-be-mortgage asset query request information includes: and the address of the asset account book corresponding to the lender and the query requirement.

The step is used for enabling the lender to initiate the on-chain to-be-mortgage asset inquiry operation to the lender asset application terminal system. A specific implementation may be a corresponding function of the lender accessing the digital asset wallet of the lender asset application terminal system. It should be noted that if the query request information of the to-be-mortgage asset contains the asset class, only the to-be-mortgage asset corresponding to the asset class is queried; and if the on-chain to-be-mortgage asset inquiry request information does not contain asset types, inquiring to-be-mortgage assets corresponding to all the asset types.

Step S313: and the common account book layer execution module of the asset account book system verifies the on-chain to-be-mortgage asset inquiry request information, and after the verification is passed, the corresponding on-chain to-be-mortgage asset inquiry result information is added with a signature and then sent to the lender asset application terminal system.

Wherein verifying the content comprises: and verifying the signature of the to-be-mortgage asset inquiry request information on the chain.

The on-chain to-be-mortgage asset query result information comprises: the chain with the lender digital asset wallet signature includes the to-be-mortgage asset query request information, asset class, to-be-mortgage asset information list, valid initial block information list corresponding to the to-be-mortgage asset, etc. The rights address information of each asset information in the to-be-mortgage asset information list which is not spent on the chain is the same as the address information of the lender asset ledger user in the inquiry request.

Step S314: and the lender asset application terminal system verifies the signature of the to-be-mortgage asset inquiry result information on the chain, and displays the to-be-mortgage asset inquiry result information on the chain to the lender after the signature passes the verification. And verifying the signature of the to-be-mortgage asset query result information on the chain by using the public key of the common-knowledge account layer execution module.

The following steps S315 to S317 are the process of the lender user inquiring and obtaining the digital money inquiry result information on the lender chain:

step S315: the lender asset application terminal system displays an on-chain digital currency inquiry function interface to the lender on the borrower terminal device, generates the on-chain digital currency inquiry request information of the lender by using a lender digital currency wallet in the lender asset application terminal system according to the inquiry requirement input and/or selected by the lender in the on-chain asset inquiry function interface, and then sends the on-chain digital currency inquiry request information of the lender with a lender digital currency wallet signature to a consensus account book layer execution module of the asset account book system.

The digital money inquiry request on the lender chain may include: digital money wallet address information on the lender chain; if the request contains a digital currency class number, only that class digital currency may be queried, otherwise all types of digital currencies are queried. In particular, in a cross-border scenario, multiple digital currencies may be queried on the chain.

Step S316: and the common account book layer execution module of the asset account book system verifies the digital currency inquiry request information on the lender chain, and after the verification is passed, the digital currency inquiry result information on the lender chain corresponding to the digital currency wallet address on the lender chain is added with a signature and returned to the lender asset application terminal system.

Wherein verifying the content comprises: the signature of the digital currency query request message on the lender chain is verified.

The digital currency query result on the lender chain may include: the inquiry request information with the digital money wallet signature of the lender, the digital money category, the list of non-spent digital money information on the chain, the list of valid initial block information corresponding to the digital money category number, etc. The rights address information for each of the unexpended digital currency information in the chain unexpended digital currency information list is the same as the digital currency wallet address information on the lender chain in the query request.

Step S317: and the lender asset application terminal system verifies the signature of the digital currency inquiry result information on the lender chain, and displays the digital currency inquiry result information on the lender chain to the lender after the verification is passed. And verifying the signature of the digital currency inquiry result information on the lender chain by using the public key of the public-identification account layer execution module.

In some embodiments, the precedence of the assets to be mortgage information on the lender user query chain and the digital currency information on the lender chain may be uncertain or even queried in parallel.

Step S318: and the lender initiates an on-chain digital money transfer operation request according to the to-be-mortgage asset information, the number of to-be-mortgage assets and the digital money which is corresponding to the to-be-mortgage assets and is synchronously processed according to the to-be-mortgage asset information, the number of to-be-mortgage assets and the digital money which is processed according to the corresponding synchronous to-be-mortgage triggering conditions and is displayed by the lender asset application terminal system, so as to carry out on-chain payment.

Step S319: the lender digital money wallet generates an on-chain digital money transfer instruction containing transferred digital money information according to the on-chain digital money transfer operation request, signs the on-chain digital money transfer instruction, and then sends the signed on-chain digital money transfer instruction to the lender digital money wallet. In this embodiment, the second smart contract included in the transferred digital money information may trigger a subsequent transaction of the transferred digital money.

Step S320: and after the digital money transfer instruction signature on the lender digital asset wallet verification chain, generating a synchronous mortgage instruction of the asset to be mortgage according to the instruction.

The to-be-mortgage asset synchronization mortgage instruction includes: and the asset information to be mortgage, the asset information after mortgage, the call parameters of post-subsequent transaction after mortgage, and the like. The parameters for transferring the post-mortgage subsequent transaction are parameters to be transferred when the third intelligent contract contained in the mortgage asset information is executed; the post-mortgage asset information refers to a final post-mortgage asset generated after executing the intelligent contract included in the to-be-mortgage asset information. After the digital asset wallet of the lender generates the synchronous mortgage instruction of the asset to be mortgage, the digital asset wallet user private key of the lender is used for signing the synchronous mortgage instruction of the asset to be mortgage; then, an on-chain digital currency transfer instruction with a lender digital currency wallet user private key signature and a to-be-mortgage asset synchronous mortgage instruction with the lender digital asset wallet user private key signature are sent to an intelligent contract layer executing module so as to trigger the intelligent contract layer executing module to execute the on-chain digital currency transfer instruction and the to-be-mortgage asset synchronous mortgage instruction;

The parameters for invoking the post-mortgage subsequent transaction may be, in some embodiments:

the lender uses the execution result of the on-chain digital money transfer instruction as the calling parameter of the third intelligent contract of the to-be-mortgage asset, and the object of the to-be-mortgage asset synchronous mortgage instruction operation is the to-be-mortgage asset, so that the asset account book system uses the execution result as the calling parameter to call the to-be-mortgage asset third intelligent contract to verify after the on-chain digital money transfer instruction is executed, and after the verification is passed, the to-be-mortgage asset synchronous mortgage instruction is executed.

Step S321: an intelligent contract layer execution module of the asset account book system respectively verifies the digital money transfer instruction on the chain and the synchronous mortgage instruction of the asset to be mortgage; after verification passes, the on-chain digital money transfer instruction and the to-be-mortgage asset synchronization mortgage instruction are executed to spend the transferred digital money information and generate transferred digital money information corresponding to the on-chain digital money wallet address of the borrower, and at the same time, to spend the to-be-mortgage asset information and generate mortgage asset information corresponding to the asset ledger address of the lender. The specific implementation of this step is the same as step S207.

Step S322: and the intelligent contract layer execution module of the asset account system records the execution result information of the digital money transfer instruction on the chain and the execution result information of the synchronous mortgage instruction of the asset to be mortgage to the consensus account layer execution module. Namely, the intelligent contract layer execution module records the following two execution results to the consensus account layer execution module: (1) Spending the transferred digital currency information and generating transferred digital currency information corresponding to an on-chain digital currency wallet address of the borrower; (2) And meanwhile, spending the asset information to be mortgage and generating the mortgage asset information corresponding to the asset account address of the lender.

Embodiment III: if the borrower has initiated an asset mortgage transaction and forms an asset to be mortgage at the asset ledger system, but the lender does not make a price-bearing payment within a preset time, the asset ledger system may withdraw the asset to be mortgage back to the borrower. The revocation rollback operation may be implemented in two ways: mode one: third smart contract timing detection, the third smart contract automatically performs a transfer transaction of returning the asset to be mortgage to the borrower upon satisfaction of the retraction trigger condition. Mode two: and the borrower initiates a return instruction of the to-be-mortgage asset on the chain, and the third intelligent contract checks a return trigger condition, if the return trigger condition is met, the return instruction of the to-be-mortgage asset on the chain is executed to generate return asset information corresponding to the account address of the borrower asset, and the to-be-mortgage asset is returned to the borrower.

FIG. 4 is a schematic flow chart of a third embodiment of the invention for the return of assets to be mortgage by an on-chain asset mortgage financing system for on-chain digital currency settlement. As shown in fig. 4, in the third embodiment of the present invention, the main process of returning assets to be mortgage by the on-chain asset mortgage financing system for on-chain digital currency settlement includes the following steps:

step S401: the lender asset application terminal system detects whether the on-chain digital money transfer instruction is successfully executed within a preset time; under the condition that the on-chain digital money transfer instruction is not successfully executed, or a lender fails to initiate the on-chain digital money transfer instruction at full amount and initiates a to-be-mortgage asset synchronous mortgage instruction according to the digital money transfer amount, and under the condition that the to-be-mortgage asset has a balance, sending a balance return instruction of the to-be-mortgage asset with the lender signature to the asset account system;

specifically, in the case that the on-chain digital money transfer instruction is not successfully executed, or in the case that the to-be-mortgage asset information has an unreflected balance, an on-chain to-be-mortgage asset return instruction containing the to-be-mortgage asset information with a lender signature is sent to an intelligent contract layer execution module of the asset ledger system. The chain to-be-mortgage asset retraction instruction is used to retract the to-be-mortgage asset to the borrower. In a preferred embodiment, the on-chain to-be-mortgage asset retract instruction includes: the to-be-mortgage asset information, the balance of the to-be-mortgage asset, the call parameters of post-transaction after the to-be-mortgage asset, the returned asset information and the like. Here, the call parameter of the post-transaction after the to-be-mortgage asset may be null, and the return operation in the third intelligent contract included in the to-be-mortgage asset information is directly called, where the third intelligent contract checks whether the return trigger condition is satisfied (typically, the waiting time reaches the preset time threshold). The return asset information includes: the borrower's asset ledger address, the returned asset index identification, the number of returned assets, etc., which is the number of to-be-mortgage assets contained in the to-be-mortgage asset information.

Step S402: the intelligent contract layer execution module of the asset ledger system executes the third intelligent contract included in the to-be-mortgage asset information in step S401 to verify the on-chain to-be-mortgage asset return instruction with the borrower signature, spends the to-be-mortgage asset information after the verification is passed, and generates return asset information corresponding to the borrower' S asset ledger address. The verification content comprises: verifying a lender signature of an asset return instruction to be mortgage on a chain; and verifying that the waiting time from the generation of the to-be-mortgage asset information to the receipt of the on-chain to-be-mortgage asset return instruction meets the return withdrawal trigger condition. After the intelligent contract layer execution module of the asset account book system verifies that the return instruction of the assets to be mortgage on the chain is finished, the return instruction of the assets to be mortgage on the chain is executed, the information of the assets to be mortgage is spent, and return asset information corresponding to the asset account book address of the borrower is generated.

In addition, the borrower asset application terminal system can also initiate an on-chain to-be-mortgage asset return instruction. At this time, step S401 is: and the borrower asset application terminal system detects whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sends the to-be-mortgage asset return instruction with the lender signature to the asset account book system under the condition that the on-chain digital money transfer instruction is not successfully executed or the lender fails to fully initiate the on-chain digital money transfer instruction and initiates the to-be-mortgage asset mortgage instruction according to the digital money transfer amount and the to-be-mortgage asset has balance. The processing of the return instruction of the to-be-mortgage asset on the chain by the asset ledger system is the same as step S402, and will not be repeated here.

The intelligent contract execution process for generating the returned asset by the mortgage asset is as follows: and checking whether the transaction calling parameter after the mortgage to be added in the mortgage to be added asset return instruction on the chain meets the withdrawal trigger condition specified in the third intelligent contract (or checking whether the withdrawal trigger condition is met according to the return operation in the third intelligent contract) by using the third intelligent contract contained in the mortgage to be added asset information, and if the specified withdrawal trigger condition is met, generating the return asset information according to the mortgage to be added asset return instruction on the chain. The return asset information may also include default smart contracts for subsequent transactions.

Embodiment four: after step S310, the borrower may query the on-chain asset information (i.e., query the on-chain assets held by the borrower and the lender after the transaction is completed) via the respective asset application terminal system after step S322 to confirm that the asset mortgage was successful. In the detailed process of querying the asset information on the chain by the borrower, please refer to step S302 to step S304, and the detailed process of querying the asset information on the chain by the lender is the same as the query principle of the borrower. If the asset information on the final chain has the asset information after the asset escort, the asset mortgage is successful. The specific implementation process is as follows:

FIG. 5 is a schematic diagram of a major flow of confirming an asset mortgage payment by an on-chain asset mortgage system for on-chain digital currency settlement in a fourth embodiment of the invention. As shown in fig. 5, in the fourth embodiment of the present invention, the main process of confirming the payment of the asset mortgage financing by the on-chain asset mortgage system for on-chain digital currency settlement includes the following steps:

step S501: and the borrower asset application terminal system acquires the final chain asset information generated after the asset quality escort is to be escorted from a consensus ledger layer execution module of the asset ledger system, and if the final chain asset information contains the post-mortgage asset information corresponding to the address of the borrower asset ledger, the asset mortgage is confirmed to be successful. Under the condition that the borrower knows the mortgage asset or the to-be-mortgage asset, the borrower can inquire the to-be-mortgage asset generated after the transaction of the mortgage asset and inquire the final post-transaction on-link asset information through the to-be-mortgage asset generated after the transaction of the to-be-mortgage asset. And if the queried final chain asset information contains the mortgage asset information corresponding to the address of the lender asset account book, confirming that the asset mortgage is successful.

Step S502: and the lending asset application terminal system acquires the final chain asset information of the lending party after the asset mortgage from the consensus ledger layer execution module of the asset ledger system, and if the final chain asset information of the lending party has the asset information after the asset mortgage, the asset mortgage is confirmed to be successful. On the blockchain, the asset account address of the lender can directly inquire the mortgage asset information. In the embodiment, the execution sequence of step S501 and step S502 is not limited, and step S502 may be executed first and then step S501 may be executed.

FIG. 6 is a schematic flow diagram of a method for on-chain asset mortgage financing through on-chain digital currency settlement in accordance with a first embodiment of the present invention. In a first embodiment of the present invention, shown in fig. 6, the on-chain asset mortgage financing terminal system through on-chain digital currency settlement generates an on-chain asset mortgage instruction based on the borrower's selected and/or entered asset category, the number of mortgage assets, and the lender's asset ledger address, and then sends the on-chain asset mortgage instruction with the borrower's signature to the asset ledger system. Wherein the on-chain asset mortgage instructions include: mortgage asset information, to-be-mortgage asset information, retrieving asset information, and the like. The borrower asset application terminal system presents an on-chain asset mortgage function interface to the user (i.e., borrower) on the terminal device, which is used for the user to enter and/or select asset mortgage requirements. The borrower selects (or inputs) the asset category, the number of the mortgage assets and the address of the asset account book of the lender in the on-chain asset mortgage functional interface, and then the borrower asset application terminal system can generate an on-chain asset mortgage instruction; and then signing the on-chain asset mortgage instruction by using the user private key of the borrower, and sending the on-chain asset mortgage instruction signed by the user private key of the borrower to an asset ledger system.

Step S602: the asset account book system executes the first intelligent contract contained in the mortgage asset information to verify the on-chain asset mortgage instruction with the borrower signature, spends the mortgage asset information of the corresponding asset class of the borrower according to the quantity of the mortgage asset after the verification is passed, and generates corresponding asset information to be mortgage. The intelligent contract layer execution module of the asset account book system performs a verification operation: verifying a signature of an asset mortgage instruction on a chain; searching the right address of the mortgage asset according to the mortgage asset information, and verifying that the searched right address of the mortgage asset accords with a user public key corresponding to a borrower signature of an asset mortgage instruction on a chain; and verifying that the number of the searched mortgage assets is equal to the sum of the number of the received mortgage assets contained in the to-be-mortgage asset information and the number of the received assets contained in the recovery asset information. After verification is completed, the intelligent contract layer executing module executes the on-chain asset mortgage instruction to spend the mortgage asset, and generates the to-be-mortgage asset and the recovery asset corresponding to the on-chain asset mortgage instruction.

Step S603: the lender asset application terminal system generates an on-chain digital money transfer instruction containing transferred digital money information based on lender information and applied digital money selected and/or input by the lender, and generates a to-be-mortgage asset synchronous mortgage instruction containing to-be-mortgage asset information according to the on-chain digital money transfer instruction; then, sending an on-chain digital money transfer instruction with a lender signature and a to-be-mortgage asset synchronous mortgage instruction to an asset account book system; wherein the digital currency is payed for the equivalent of the asset in the mortgage asset quantity chain.

Step S604: the asset ledger system executing a second intelligent contract contained in the transferred digital money information to verify the on-chain digital money transfer instruction with the lender signature, spending the transferred digital money information after verification passes, and generating transferred digital money information corresponding to the borrower's on-chain digital money wallet address; and simultaneously, the method is also used for executing a third intelligent contract contained in the to-be-mortgage asset information so as to verify the to-be-mortgage asset synchronous mortgage instruction with the lender signature, spending the to-be-mortgage asset information after verification is passed, and generating the mortgage asset information corresponding to the asset account address of the lender.

According to the technical scheme of the embodiment of the invention, after the asset account book system receives the on-chain asset mortgage instruction from the borrower, a first intelligent contract is executed to generate the to-be-mortgage asset, the lender asset application terminal system carries out on-chain payment through on-chain digital currency, a digital currency transfer instruction and a to-be-mortgage asset synchronous mortgage instruction are initiated, the asset account book system executes a second intelligent contract and a third intelligent contract, and meanwhile, the transfer of the digital currency and the mortgage of the to-be-mortgage asset which are processed are completed, and the transferred digital currency and the mortgage asset are generated; the method realizes the complete transaction process of the on-chain asset mortgage and the on-chain digital currency payment, simultaneously controls the process of the on-chain asset mortgage and the on-chain digital currency payment through the intelligent contract, ensures synchronous handling of the assets required to be mortgage by the borrower and the digital currency paid by the lender, and can return the assets to be mortgage to the borrower under the condition that the lender does not normally initiate the corresponding on-chain digital currency transfer instruction within the specified time, thereby greatly reducing transaction risk.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. An on-chain asset mortgage financing system for settlement by on-chain digital currency, comprising: borrower asset application terminal system, asset ledger system and lender asset application terminal system; the borrower asset application terminal system comprises: borrower digital asset wallets, borrower digital currency wallets; the lender asset application terminal system includes: a lender digital asset wallet, a lender digital currency wallet; wherein,

the borrower asset application terminal system is used for generating an on-chain asset mortgage instruction containing mortgage asset information based on the asset category, the number of mortgage assets and the asset account address of the lender selected and/or input by the borrower, and sending the on-chain asset mortgage instruction with the borrower signature to the asset account system;

The asset ledger system is configured to execute a first intelligent contract included in the mortgage asset information to verify the on-chain asset mortgage instruction with the borrower signature; after verification is passed, spending the mortgage asset information of the corresponding asset class of the borrower according to the mortgage asset quantity, and generating corresponding asset information to be mortgage;

the lender asset application terminal system is used for generating an on-chain digital currency transfer instruction containing transferred digital currency information based on lender information selected and/or input by a lender and applied digital currency, and generating a to-be-mortgage asset synchronous mortgage instruction containing to-be-mortgage asset information according to the on-chain digital currency transfer instruction; then sending the on-chain digital money transfer instruction and the to-be-mortgage asset synchronous mortgage instruction to the asset account book system; wherein the digital currency pays for an on-chain asset equivalent corresponding to the number of mortgage assets; the on-chain digital money transfer instruction and the to-be-mortgage asset synchronous mortgage instruction both carry the lender signature;

the asset account book system is further used for executing a second intelligent contract contained in the transferred digital currency information and executing a third intelligent contract contained in the to-be-mortgage asset information so as to respectively verify the on-chain digital currency transfer instruction and the to-be-mortgage asset synchronous mortgage instruction; after verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and spending the asset information to be mortgage and generating mortgage asset information corresponding to the asset account address of the lender;

the on-chain asset mortgage instructions include: the mortgage asset information, the to-be-mortgage asset information and the recovery asset information; the mortgage asset information includes: the asset account book address of the borrower is marked by the mortgage asset index to control the first intelligent contract and the quantity of the mortgage assets for subsequent transaction after the mortgage assets;

the lender asset application terminal system applies on-chain digital money transfer instructions to the digital money generation chain based on lender selected and/or entered borrower information, comprising:

the lender digital currency wallet responds to digital currency transfer instructions on a digital currency generation chain according to the lender digital currency wallet address information selected and/or input by the lender;

2. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the asset ledger system validating the on-chain asset mortgage instructions with the borrower signature, comprising:

if so, the verification is confirmed to be passed.

3. The system of claim 2, wherein the borrower digital asset wallet is further configured to, prior to generating the on-chain asset mortgage instructions:

Generating on-chain asset inquiry request information according to inquiry requirements input and/or selected by the borrower in an on-chain asset inquiry function interface; and sending on-chain asset inquiry request information with the borrower digital asset wallet signature to the asset ledger system;

4. The system of claim 1, wherein prior to the borrower digital asset wallet generating an on-chain asset mortgage instruction, the borrower digital currency wallet is further configured to:

generating digital currency inquiry request information on a borrower chain according to inquiry requirements input and/or selected by the borrower in an on-chain asset inquiry function interface; transmitting digital currency inquiry request information on a borrower chain with the borrower digital currency wallet signature to the asset account system;

5. The system of claim 1, wherein the lender asset application terminal system generating a to-be-mortgage asset synchronization mortgage instruction including transferred digital money information from the on-chain digital money transfer instruction comprises:

after receiving an on-chain digital currency transfer instruction with a lender digital currency wallet signature sent by the lender digital currency wallet, the lender digital asset wallet verifies the lender digital currency wallet signature on the on-chain digital currency transfer instruction; after the verification is passed, generating a synchronous mortgage instruction of the assets to be mortgage containing the transferred digital currency information according to the digital currency transfer instruction on the chain;

6. The system of claim 5, wherein the asset ledger system validating the on-chain digital money transfer instructions with the lender digital money wallet signature comprises:

if so, the verification is confirmed to be passed.

7. The system of claim 6, wherein the lender digital money wallet is further configured to, prior to generating the on-chain digital money transfer instruction:

8. The system of claim 6, wherein the lender digital money wallet is further configured to, prior to generating the on-chain digital money transfer instruction:

generating digital currency inquiry request information on a lender chain according to the inquiry requirements input and/or selected by the lender in the on-chain asset inquiry function interface; transmitting digital currency inquiry request information on a lender chain with the lender digital currency wallet signature to the asset account system;

9. The system of claim 6, wherein the asset ledger system validating the to-be-mortgage asset synchronization mortgage instruction with a lender digital asset wallet signature comprises:

if so, the verification is confirmed to pass.

10. The system of claim 9, wherein the system further comprises a controller configured to control the controller,

the asset ledger system is further configured to: after validating the on-chain digital money transfer instruction, and the to-be-mortgage asset synchronization mortgage instruction, both instructions are simultaneously withdrawn upon confirming that at least one of the two validations is not passed.

11. The system according to any one of claims 1 to 10, wherein,

the borrower asset application terminal system is further configured to: acquiring final chain asset information generated after the asset quality escort to be escorted from the asset account book system, and if the final chain asset information contains the escort asset information, confirming that the asset escort is successful;

12. The system according to any one of claims 1 to 10, wherein,

the borrower asset application terminal system is further configured to: acquiring final digital currency information generated after digital currency transfer from the asset account system, and if the digital currency information after transfer exists in the final digital currency information, confirming that asset transfer payment is successful;

13. The system of claim 1, wherein the lender asset application terminal system is further configured to:

detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending a to-be-mortgage asset return instruction with the lender signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;

14. The system of claim 1 wherein said borrower asset application terminal system is further configured to:

detecting whether the on-chain digital money transfer instruction is successfully executed within a preset time, and sending a to-be-mortgage asset return instruction with the borrower signature to the asset ledger system under the condition that the on-chain digital money transfer instruction is not successfully executed;

15. The system of claim 13 or 14, wherein validating the to-be-mortgage asset return instruction comprises:

16. The system of claim 5, wherein the asset ledger system is further configured to:

17. An on-chain asset mortgage financing method through on-chain digital currency settlement, comprising:

the borrower asset application terminal system generates an on-chain asset mortgage instruction containing mortgage asset information based on the asset category, the number of mortgage assets and the asset ledger address of the lender selected and/or input by the borrower, and sends the on-chain asset mortgage instruction with the borrower signature to the asset ledger system;

the asset ledger system executing a first intelligent contract contained in the mortgage asset information to verify the on-chain asset mortgage instruction with the borrower signature; after verification is passed, spending the mortgage asset information of the corresponding asset class of the borrower according to the mortgage asset quantity, and generating the asset information to be mortgage;

the lender asset application terminal system generates an on-chain digital money transfer instruction containing transferred digital money information based on lender information and applied digital money selected and/or input by the lender, and generates a to-be-mortgage asset synchronous mortgage instruction containing to-be-mortgage asset information according to the on-chain digital money transfer instruction; then sending the on-chain digital money transfer instruction and the to-be-mortgage asset synchronous mortgage instruction to the asset account book system; wherein the digital currency pays for an on-chain asset equivalent corresponding to the number of mortgage assets; the on-chain digital money transfer instruction and the to-be-mortgage asset synchronous mortgage instruction both carry the lender signature;

The asset account book system executes a second intelligent contract contained in the transferred digital currency information and a third intelligent contract contained in the to-be-mortgage asset information to respectively verify the on-chain digital currency transfer instruction and the to-be-mortgage asset synchronous mortgage instruction; after verification is passed, spending the transferred digital currency information and generating transferred digital currency information corresponding to the borrower, and spending the asset information to be mortgage and generating mortgage asset information corresponding to the asset account address of the lender;

the borrower asset application terminal system comprises: borrower digital asset wallets, borrower digital currency wallets; the borrower asset application terminal system generates an on-chain asset mortgage instruction containing mortgage asset information, comprising: the borrower digital asset wallet generates an on-chain asset mortgage instruction containing mortgage asset information and signs the on-chain asset mortgage instruction;

The lender asset application terminal system includes: a lender digital asset wallet, a lender digital currency wallet; the lender asset application terminal system applies on-chain digital money transfer instructions to the digital money generation chain based on lender selected and/or entered borrower information, comprising: