CN111210354B - Digital asset hosting method and device - Google Patents
Digital asset hosting method and device Download PDFInfo
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- CN111210354B CN111210354B CN202010024946.7A CN202010024946A CN111210354B CN 111210354 B CN111210354 B CN 111210354B CN 202010024946 A CN202010024946 A CN 202010024946A CN 111210354 B CN111210354 B CN 111210354B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a digital asset hosting method and device. In the technical scheme of the invention, corresponding user fund accounts are set up for different users and corresponding fund transaction accounts are set up for different funds; if a user requests to purchase a certain fund, transferring a corresponding number of digital assets from the user's fund account to the fund user's asset account according to the price purchased by the user, and registering a share for the purchased fund in the fund share account; and finally, transferring the digital assets with the corresponding quantity from the fund user asset account to the fund transaction account for transaction. According to the technical scheme, the user's own assets and the assets corresponding to different funds are managed respectively, the share of the user investment funds can be known, so that the digital asset hosting mechanism can provide more refined service and know the conditions of all the assets, and the potential safety hazard of digital asset investment is reduced.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and apparatus for hosting digital assets.
Background
The traditional financial asset hosting business has a history of nearly one hundred years abroad, and has a history of nearly 20 years in China, so that the development of the asset hosting business is mature.
At present, a digital asset hosting service is started just, and only part of institutions provide digital asset hosting services at home and abroad, but an account system for asset hosting is based on the correspondence between single-host assets and single accounts, namely one host asset corresponds to only one account. This is a major inconvenience to the quantization team, digital asset fund, etc. asset management organizations when using digital asset hosting services, such as: assets of asset management institutions such as quantization team, digital asset funds and the like are not institutions themselves, and may be recruited from a plurality of investors, the investors cannot know own shares in the whole managed asset, only one hundred percent trust institutions can be selected, and risk hidden danger of investment assets exists; the assets of the asset management mechanisms such as the quantization team, the digital asset funds and the like and the assets of investors are mixed in an account, the assets of the investors and the assets of the mechanisms are not clearly separated, the quantization team, the digital asset funds and the like have absolute control rights to the account, and the investment asset security risks exist for the investors; in addition, when a plurality of sites share depth together for one digital asset transaction platform and match together, user transaction settlement assets of the plurality of sites are mixed together and are not isolated.
Therefore, only one managed asset corresponds to one account in the current digital asset management business, and potential safety hazards of digital asset investment are easily caused.
Disclosure of Invention
The invention provides a digital asset hosting method and a digital asset hosting device, which are used for reducing potential safety hazards of digital asset investment caused by the current digital asset hosting business.
In a first aspect, an embodiment of the present invention provides a digital asset hosting method, including:
setting up corresponding user funds accounts for different users, wherein the user funds accounts are used for summarizing all assets of the users;
if a user requests to purchase a fund, transferring a corresponding number of digital assets from the user fund account to a fund user asset account according to the amount purchased by the user, and registering the share for the purchased fund in a fund share account; the fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up for a user by a site providing digital asset hosting service and is used for registering the share condition of the fund held by the user;
setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund;
and transferring the digital assets with the corresponding quantity from the fund user asset account to a fund transaction account for transaction.
With reference to the first aspect, in an implementation manner of the first aspect, the method further includes:
confirming a redemption amount for the user if the user requests redemption of the fund;
transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user;
re-registering the user's fund share in the fund share account.
With reference to the first aspect, in an implementation manner of the first aspect, the method further includes:
setting up a fund management fee account for the fund, the fund management fee account for maintaining a fee for a site providing digital asset hosting services to manage the fund;
calculating a management fee for daily management of the fund;
and transferring the digital asset corresponding to the management fee from a fund account to the fund management fee account, wherein the fund account is a fund account established for the fund by a site providing digital asset hosting service and is used for summarizing all the funds corresponding to the fund.
With reference to the first aspect, in an implementation manner of the first aspect, after the transferring the corresponding number of digital assets from the fund user asset account to the fund transaction account to perform the transaction, the method further includes:
setting up a merchant owned asset account for a merchant providing funds, wherein the merchant owned asset account is used for summarizing all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts;
and transferring the digital assets received in the fund transaction account to the merchant owned asset account.
With reference to the first aspect, in an implementation manner of the first aspect, after the transferring the corresponding number of digital assets from the fund user asset account to the fund transaction account to perform the transaction, the method further includes:
performing asset rolling calculation on the digital assets passing between the fund user asset account and the fund transaction account at preset time;
and according to the rolling calculation result, settling the assets on the blockchain.
In a second aspect, an embodiment of the present invention provides a digital asset hosting apparatus, including:
the first account setting module is used for setting up corresponding user funds accounts for different users, wherein the user funds accounts are used for summarizing all assets of the users;
a first account transfer module for transferring a corresponding number of digital assets from the user fund account to a fund user asset account according to the amount the user claims to purchase the fund, and registering the share for claims to the fund in a fund share account; the fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up for a user by a site providing digital asset hosting service and is used for registering the share condition of the fund held by the user;
the first account setting module is further used for setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund;
the first asset transfer module is further configured to transfer the corresponding number of digital assets from the fund user asset account to a fund transaction account for transaction.
With reference to the second aspect, in an implementation manner of the second aspect, the apparatus further includes:
an amount confirmation module for confirming the redemption amount of the user if the user requests redemption of the fund;
a second asset transfer module for transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user and re-registering the user's fund share in the fund share account.
With reference to the second aspect, in an implementation manner of the second aspect, the apparatus further includes:
a second account setup module for setting up a fund management fee account for the fund, the fund management fee account for keeping a fee for a site providing digital asset hosting service to manage the fund;
a fee calculation module for calculating a management fee for daily management of the fund;
and the third asset transfer module is used for transferring the digital assets corresponding to the management fees from a fund account to the fund management fee account, wherein the fund account is a fund account established for the fund by a site providing digital asset hosting service and is used for summarizing all the assets corresponding to the fund.
With reference to the second aspect, in an implementation manner of the second aspect, the apparatus further includes:
a third account setup module, configured to set up a merchant owned asset account for a merchant providing a fund, where the merchant owned asset account is configured to aggregate all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts;
and the fourth asset transfer module is used for transferring the digital assets received in the fund transaction account to the own asset account of the merchant.
With reference to the second aspect, in an implementation manner of the second aspect, the apparatus further includes:
the asset calculation module is used for calculating the asset rolling difference of the digital asset passing between the fund user asset account and the fund transaction account at preset time;
and the settlement module is used for settling the assets on the blockchain according to the rolling calculation result.
According to the technical scheme, the embodiment of the invention provides a digital asset hosting method and device. In the technical scheme of the invention, corresponding user fund accounts are set up for different users and corresponding fund transaction accounts are set up for different funds; transferring a corresponding number of digital assets from a user fund account to a fund user asset account according to a price purchased by a user if the user requests to purchase the fund, and registering a share for the purchased fund in a fund share account, the fund user asset account being an asset account for the fund established for the user by a site providing digital asset hosting service, the fund share account being a share account established for the user by a site providing digital asset hosting service; and finally, transferring the digital assets with the corresponding quantity from the fund user asset account to the fund transaction account for transaction. Therefore, different accounts can be respectively set up for the user and the fund, the assets of the user and the assets corresponding to the different funds are respectively managed, the share of the user investment fund can be known, the digital asset hosting mechanism can provide more refined service and know the condition of each asset, and the potential safety hazard of digital asset investment is reduced.
Drawings
In order to more clearly illustrate the technical solution of the present invention, the drawings that are necessary for the embodiments will be briefly described, and it will be obvious to those skilled in the art that other drawings can be obtained from these drawings without inventive effort.
FIG. 1 is a flow chart of a digital asset hosting method provided by an embodiment of the present invention;
FIG. 2 is a schematic illustration of a fund investment provided in accordance with an embodiment of the present invention;
FIG. 3 is a flow chart of another digital asset hosting method provided by an embodiment of the present invention;
FIG. 4 is a schematic diagram of a relationship between entities in an exchange according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of an account structure of a digital asset payment mechanism for escrow services provided by an embodiment of the present invention;
fig. 6 is a block diagram of a digital asset hosting device according to an embodiment of the present invention.
Detailed Description
In order to enable those skilled in the art to better understand the technical solutions of the present invention, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings.
Fig. 1 is a flowchart of a digital asset hosting method according to an embodiment of the present invention. As shown in fig. 1, the digital asset hosting method provided by the embodiment of the invention includes:
s101, setting up corresponding user fund accounts for different users, wherein the user fund accounts are used for summarizing all assets of the users.
In the embodiment of the invention, different user fund accounts can be respectively set up for a plurality of different users in one site for providing the digital asset hosting service, a plurality of users can be simultaneously served, and the investment service of the users aiming at a plurality of funds can be realized.
S102, if a user requests to purchase the fund, a corresponding number of digital assets are transferred from the user fund account to a fund user asset account according to the amount of the fund purchased by the user, and the share for the purchased fund is registered in a fund share account.
The fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up by a site providing digital asset hosting service for a user and is used for registering the share condition of the fund held by the user, and in the embodiment of the invention, if the investable funds in the site are multiple, the share condition of different funds held by the user is registered in the fund share account. The fund user asset account stores the remaining assets for which all users conduct the purchase or redemption operation for a fund in a fixed period of time, wherein the fixed period of time can be preset, such as one day, and then the stored status of the net assets generated by the users for a fund in one day is stored, wherein 'one day' can refer to the 0 point of the previous day to 24 points of the current day, and after 24 points, the storage of the assets in the next period of time is started.
It should be noted that, in the embodiment of the present invention, all accounts set up in the site can store data and assets in a fixed period of time, and the specific situation is the same as the fund user asset account, which is not described in detail in the embodiment of the present invention.
S103, setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund.
In the embodiment of the invention, if a plurality of users invest the same foundation at a site, the trade account of the foundation covers the trade condition of the users aiming at the foundation.
S104, transferring the digital assets with the corresponding quantity from the fund user asset account to a fund transaction account for transaction.
In the embodiment of the invention, if a plurality of users invest the same foundation at a site, corresponding digital assets should be transferred from the corresponding foundation user asset accounts of all the users to the foundation transaction accounts respectively.
FIG. 2 is a schematic diagram of a fund investment provided by an embodiment of the present invention. The contents of the above steps S101 to S102 can be illustrated by fig. 2:
firstly, a site respectively establishes a user fund account 1, a user fund account 2 and a user fund account 3 for three users, and is used for respectively storing funds charged by the three users; if user 1 and user 2 buy fund a and user 3 buy fund B, then the site needs to set up fund user asset account 1, fund user asset account 2 and fund user asset account 3 for three users respectively, then the site sets up fund share account 1, fund share account 2 and fund share account 3 for three users respectively, finally the site sets up fund transaction account 1 and fund transaction account 2 for fund a and fund B respectively; when the asset transfer is carried out, according to the amounts respectively purchased by the user 1, the user 2 and the user 3, transferring the digital asset of the user 1 for purchasing the fund A from the user fund account 1 to the fund user asset account 1, registering the share of the user investment fund A in the fund share account 1, and then transferring the digital asset of the user in the fund user asset account 1 for investment fund A to the fund transaction account 1; similarly, the digital asset of the user 2 for buying the fund A is drawn into the fund user asset account 2 from the user fund account 2, and then drawn into the fund transaction account 1 from the fund user asset account 2, and the share of the fund A invested by the user 2 is registered; finally, the digital assets of the user 3 for the buying of the fund B are credited from the user fund account 3 to the fund user asset account 3 and from the fund user asset account 3 to the fund transaction account 2, while the share of the investment fund B of the user 3 is registered.
Therefore, the digital asset hosting method provided by the embodiment of the invention can respectively establish different accounts for the user and the fund, respectively manage the user's own assets and the assets corresponding to different funds, and can also know the share of the user investment fund, so that the digital asset hosting mechanism can provide more refined service and know the condition of each asset, and the potential safety hazard of digital asset investment is reduced.
In the hosting of the digital asset in the embodiment of the present invention, the manner in which the user transacts by using the digital asset includes not only buying the fund, but also redeeming the fund, i.e., returning the purchased fund to the merchant, and the specific steps include:
s201, if the user requests to redeem the fund, confirming the redemption amount of the user. The redemption amount is a number of digital assets corresponding to the funds to be returned.
S202, transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user.
As can be seen from the foregoing description of the embodiments, in the embodiments of the present invention, a fund user asset account is set up for each user with respect to a different fund, the user purchases the fund and then the digital asset is transferred to the fund user asset account corresponding to the purchased fund, and when the user confirms that the fund is to be redeemed, the corresponding number of digital assets should be transferred back to the user fund account from the fund user asset account in which the digital asset is stored.
S203, re-registering the fund share of the user in the fund share account. Once the user returns or partially returns the previously invested funds, the user's share of the funds is reduced, and thus, after the digital asset is returned, the share of the funds is re-registered as if the current user actually had the funds.
Therefore, the digital asset hosting method in the embodiment of the invention can provide the service of the fund transaction for the user, and can also register the share of the fund owned by the user, so that the user can fully know the fund condition of the user, and the investment risk is reduced.
FIG. 3 is a flow chart of another digital asset hosting method provided by an embodiment of the present invention. As shown in fig. 3, the method of the embodiment of the present invention further includes:
s301, setting up a fund management fee account for the fund, wherein the fund management fee account is used for saving the fee for managing the fund by a site providing digital asset hosting service.
In the embodiment of the invention, since the site can provide the transaction of multiple funds for the user, corresponding accounts are required to be set up for each type of funds for management, and a certain fee is required to be charged for the management of each type of funds, and the specific fee amount is determined according to the transaction price, the transaction amount and the like of the funds.
S302, calculating the management fee for daily management of the fund.
The site's administrative fees for funds are calculated daily, as the daily amount and price of the funds may not be the same.
S303, transferring the digital assets corresponding to the management fees from a fund account to the fund management fee account, wherein the fund account is a fund account established for the fund by a site providing digital asset hosting service and is used for summarizing all the assets corresponding to the fund.
The digital asset hosting method in the embodiment of the invention not only provides the hosted service for the user, but also provides the hosted service for the merchant providing the fund, therefore, each transaction of the user in the site is a transaction with the merchant, so in the embodiment of the invention, after the transaction is performed by transferring the corresponding number of digital assets from the fund user asset account to the fund transaction account, the method further comprises the following steps:
s401, setting up a merchant owned asset account for a merchant providing funds, wherein the merchant owned asset account is used for summarizing all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts.
It should be noted that all accounts in the embodiments of the present invention may be pre-established in the website. Each merchant may provide a single fund for multiple user transactions, or multiple funds for multiple users transactions, but all transactions may end up in or out of the merchant's own asset account. In the embodiment of the invention, each merchant corresponds to an own asset account.
S402, transferring the digital assets received in the fund transaction account to the own asset account of the merchant.
As in the previous embodiments, different funds correspond to different funds transaction accounts, so if a merchant provides multiple funds transactions, the merchant's own asset account may obtain digital assets from multiple funds transaction accounts.
In addition, the hosting process of the digital asset is performed in the website in the embodiment of the invention, and meanwhile, a blockchain wallet is provided for each hosted object, so that the settlement of the digital asset is performed on the blockchain wallet and among the blockchain wallets. Specifically, in the embodiment of the present invention, after transferring the corresponding number of digital assets from the fund user asset account to the fund transaction account for transaction, the method further includes:
s501, performing asset rolling calculation on the digital assets passing between the fund user asset account and the fund transaction account at preset time.
In an embodiment of the invention, each account in the site holds data for a period of time, such as one day, so each account needs to be at the beginning of the second period of time, and transactions made for the previous period of time are settled on the blockchain. If each account holds one day of data, then the block chain may be settled at 24 points per day, and then the individual account calculations proceed to hold the next day of data or assets.
Specifically, the assets in the fund user asset account and the fund transaction account are independent, the two parties need to calculate the rolling stock, and the two parties calculate the difference value of the asset inflow and the asset outflow on the same day respectively.
S502, according to the rolling stock calculation result, settling the assets on the blockchain. Specifically, a corresponding wallet may be provided for each hosted object on the blockchain for final settlement of the asset.
For example, with the calculation of the rolling stock of both the first and second parties, the first day should net flow into 100 digital assets a, net flow out 1000 digital assets B, the second day should net flow out 100 digital assets a, net flow into 1000 digital assets B, then 1000 digital assets B should be transferred from the first wallet to the second wallet and 100 digital assets a from the second wallet to the first on the blockchain.
In addition, in the embodiment of the invention, the rolling values of other accounts with digital asset communication can be calculated, and asset settlement can be carried out between wallets corresponding to the blockchain after calculation, and the specific mode is as described above.
In the embodiment of the invention, not only can individual users be managed in the site, but also the users in a plurality of exchanges can be managed in a unified way, wherein the exchanges are places supporting multilevel security dealers. FIG. 4 is a schematic diagram of the relationship between the entities in a trade center according to an embodiment of the present invention, as shown in FIG. 4, bitgroup is a digital asset trade center, but does not directly serve a client user, a plurality of dealer agents investors conduct the trade, bitbg and bitkr are primary dealer agents, users conduct the digital asset trade, bitclosed is also primary dealer agents, agents lower dealer agents conduct the trade, bitdoor and bitxox are lower dealer agents of bitclosed, and agent users conduct the digital asset trade. The first investor is a user of a dealer bitbg; investors Chen Er are users of bitkr; investors eight are users of bitdoor and investors Wu Jiu are users of bitxoxo. Investors Zheng Shi open trade accounts at bitbg and bitdoor simultaneously. Bitgroup in turn hosts exchange funds on bitbank, which in turn may be considered a site providing digital asset hosting services in embodiments of the present invention. The digital asset hosting service in the embodiment of the present invention can also set up various accounts as described in the above embodiments for the exchange of fig. 4, that is, set up their own fund accounts for the dealer and the investors, set up their own fund user asset accounts, fund transaction accounts, management fee accounts, commission fee accounts, etc. for the dealer, so as to implement the transaction process of each user investing the funds of each dealer as described above.
In addition, the embodiment of the invention can also provide digital asset hosting services for digital asset payment institutions, for example, a digital asset payment company bitchat hosts user assets on bitbank, lifour is a merchant of the digital asset payment company, and Wang five is a user of the digital asset payment company. Fig. 5 is an account structure schematic diagram of a escrow service performed by a digital asset payment mechanism according to an embodiment of the present invention, when a merchant Li Sichu uses bitchat APP to pay, and a specific process thereof may be represented by the content of fig. 5, where bitchat funds accounts, a plum four funds account, a king five funds account, a plum four payment settlement account, a king five payment settlement account, a bitchat user asset account, a bitchat commission account, and the like are respectively set up in bitbank as shown in fig. 5.
As can be seen from the above, the digital asset hosting method provided by the embodiment of the present invention establishes corresponding user funds accounts for different users and establishes corresponding funds transaction accounts for different funds; transferring a corresponding number of digital assets from a user fund account to a fund user asset account according to a price purchased by a user if the user requests to purchase the fund, and registering a share for the purchased fund in a fund share account, the fund user asset account being an asset account for the fund established for the user by a site providing digital asset hosting service, the fund share account being a share account established for the user by a site providing digital asset hosting service; and finally, transferring the digital assets with the corresponding quantity from the fund user asset account to the fund transaction account for transaction. Therefore, in the technical scheme of the invention, different accounts can be respectively set up for the user and the fund, the assets of the user and the assets corresponding to the different funds are respectively managed, the share of the user investment fund can be known, the digital asset hosting mechanism can provide more refined service and know the condition of each asset, and the potential safety hazard of digital asset investment is reduced.
Fig. 6 is a block diagram of a digital asset hosting device according to an embodiment of the present invention. As shown in fig. 6, the digital asset hosting device provided by the embodiment of the present invention includes: a first account setup module 61, configured to set up corresponding user funds accounts for different users, where the user funds accounts are used to aggregate all assets of the users; a first account transfer module 62 for transferring a corresponding number of digital assets from the user funds account to a fund user asset account according to the amount the user claims to purchase the fund, and registering the share for claims to the fund in a fund share account; the fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up for a user by a site providing digital asset hosting service and is used for registering the share condition of the fund held by the user; the first account setting module is further used for setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund; the first asset transfer module is further configured to transfer the corresponding number of digital assets from the fund user asset account to a fund transaction account for transaction.
The apparatus further comprises: an amount confirmation module for confirming the redemption amount of the user if the user requests redemption of the fund; a second asset transfer module for transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user and re-registering the user's fund share in the fund share account.
The apparatus further comprises: a second account setup module for setting up a fund management fee account for the fund, the fund management fee account for keeping a fee for a site providing digital asset hosting service to manage the fund; a fee calculation module for calculating a management fee for daily management of the fund; and the third asset transfer module is used for transferring the digital assets corresponding to the management fees from a fund account to the fund management fee account, wherein the fund account is a fund account established for the fund by a site providing digital asset hosting service and is used for summarizing all the assets corresponding to the fund.
The apparatus further comprises: a third account setup module, configured to set up a merchant owned asset account for a merchant providing a fund, where the merchant owned asset account is configured to aggregate all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts; and the fourth asset transfer module is used for transferring the digital assets received in the fund transaction account to the own asset account of the merchant.
The apparatus further comprises: the asset calculation module is used for calculating the asset rolling difference of the digital asset passing between the fund user asset account and the fund transaction account at preset time; and the settlement module is used for settling the assets on the blockchain according to the rolling calculation result.
The invention is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.
The invention may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It is to be understood that the invention is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (4)
1. A digital asset hosting method, comprising:
setting up corresponding user funds accounts for different users, wherein the user funds accounts are used for summarizing all assets of the users;
if a user requests to purchase a fund, transferring a corresponding number of digital assets from the user fund account to a fund user asset account according to the amount purchased by the user, and registering the share for the purchased fund in a fund share account; the fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up for a user by a site providing digital asset hosting service and is used for registering the share condition of the fund held by the user;
setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund;
transferring the corresponding number of digital assets from the fund user asset account to a fund transaction account for transaction;
performing asset rolling calculation on the digital assets passing between the fund user asset account and the fund transaction account at preset time;
according to the rolling calculation result, settling the assets on the blockchain;
setting up a fund management fee account for the fund, the fund management fee account for maintaining a fee for a site providing digital asset hosting services to manage the fund;
calculating a management fee for daily management of the fund;
transferring the digital assets corresponding to the management fees from a fund account to the fund management fee account, wherein the fund account is a fund account established for the fund by a site providing digital asset hosting service and is used for summarizing all assets corresponding to the fund;
setting up a merchant owned asset account for a merchant providing funds, wherein the merchant owned asset account is used for summarizing all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts;
and transferring the digital assets received in the fund transaction account to the merchant owned asset account.
2. The method according to claim 1, wherein the method further comprises:
confirming a redemption amount for the user if the user requests redemption of the fund;
transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user;
re-registering the user's fund share in the fund share account.
3. A digital asset hosting apparatus, comprising:
the first account setting module is used for setting up corresponding user funds accounts for different users, wherein the user funds accounts are used for summarizing all assets of the users;
a first account transfer module for transferring a corresponding number of digital assets from the user fund account to a fund user asset account according to the amount the user claims to purchase the fund, and registering the share for claims to the fund in a fund share account; the fund user asset account is an asset account for the fund established for the user by a site providing digital asset hosting service and is used for summarizing all assets of the user about the fund; the fund share account is a share account set up for a user by a site providing digital asset hosting service and is used for registering the share condition of the fund held by the user;
the first account setting module is further used for setting up a corresponding fund transaction account for the fund, wherein the fund transaction account is used for summarizing all transaction conditions of the fund;
the first asset transfer module is further used for transferring the digital assets with the corresponding quantity from the fund user asset account to a fund transaction account for transaction;
the asset calculation module is used for calculating the asset rolling difference of the digital asset passing between the fund user asset account and the fund transaction account at preset time;
the settlement module is used for settling the assets on the blockchain according to the rolling calculation result;
a second account setup module for setting up a fund management fee account for the fund, the fund management fee account for keeping a fee for a site providing digital asset hosting service to manage the fund;
a fee calculation module for calculating a management fee for daily management of the fund;
a third asset transfer module, configured to transfer digital assets corresponding to the management fees from a fund account to the fund management fee account, where the fund account is a fund account set up for the fund by a site providing digital asset hosting service, and is configured to aggregate all assets corresponding to the fund;
a third account setup module, configured to set up a merchant owned asset account for a merchant providing a fund, where the merchant owned asset account is configured to aggregate all assets of all funds owned by the merchant, and different merchants own respective merchant owned asset accounts;
and the fourth asset transfer module is used for transferring the digital assets received in the fund transaction account to the own asset account of the merchant.
4. A device according to claim 3, characterized in that the device further comprises:
an amount confirmation module for confirming the redemption amount of the user if the user requests redemption of the fund;
a second asset transfer module for transferring a number of digital assets corresponding to the redemption amount from the fund user asset account into the user funds account of the user and re-registering the user's fund share in the fund share account.
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