CN111383117A

CN111383117A - Asset management method and device based on block chain and electronic equipment

Info

Publication number: CN111383117A
Application number: CN202010478457.9A
Authority: CN
Inventors: 周徽; 陆旭明; 陈锐发
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-05-29
Filing date: 2020-05-29
Publication date: 2020-07-07

Abstract

This specification proposes an asset management method, device and electronic device based on a block chain, including: receiving securitized asset subscription transactions sent by a client; securitized asset underwriting transactions include: identity information of an investor of a securitized asset, and underwriting information of the investor; sending the securitized asset subscription transaction to other node equipment in the block chain, and performing consensus processing on the securitized asset subscription transaction; and after the securitized asset subscription and transaction consensus processing is passed, executing contract codes of intelligent contracts called by the securitized asset subscription and transaction stored in the blockchain account book, acquiring asset certification information corresponding to the identity information of the investor, and selecting securitized assets with shares matched with the subscription information from issued securitized assets stored in the blockchain account book as assets subscribed by the investor when the acquired asset certification information meets preset subscription conditions.

Description

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

Technical Field

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

Background

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

Disclosure of Invention

According to a first aspect of the present specification, there is provided a blockchain-based asset management method, in a ledger of which a published securitized asset is stored; the securitized assets take a basic asset pool stored in an account book of the block chain as a value support; the method is applied to a node device of the block chain, and comprises the following steps:

receiving securitized asset subscription transactions sent by a client; the securitized asset subscription transaction comprises: identity information of investors of the securitized assets and subscription information of the investors;

sending the securitized asset subscription transaction to other node equipment in the block chain, and performing consensus processing on the securitized asset subscription transaction;

and after the securitized asset subscription and transaction consensus processing is passed, executing contract codes of intelligent contracts called by the securitized asset subscription and transaction stored in the blockchain account book, acquiring asset certification information corresponding to the identity information of the investor, and selecting securitized assets with shares matched with the subscription information from issued securitized assets stored in the blockchain account book as the assets subscribed by the investor when the acquired asset certification information meets preset subscription conditions.

Optionally, the acquiring asset certification information corresponding to the identity information of the investor includes:

detecting whether asset certification information corresponding to the identity information of the investor is stored in an account book of the block chain;

if not, generating an asset certification information acquisition event, determining asset certification information of the investor when a business system of a financial institution monitors the asset certification information acquisition event, and issuing the asset certification information to the block chain; acquiring asset certification information of the investor stored on the block chain;

and if so, acquiring asset certification information which is stored in the account book of the block chain and corresponds to the identity information of the investor.

Optionally, the underwriting information of the investor includes: a subscription amount;

the selecting, from the issued securitized assets stored in the blockchain ledger, a securitized asset whose share matches the subscription information includes:

selecting a securitized asset having a share matching the subscription amount from the issued securitized assets stored in the blockchain ledger.

Optionally, after selecting the securitized assets whose share matches the subscription information, further executing a contract code in the intelligent contract called by the securitized asset subscription transaction, and setting the state of the selected share of the securitized assets to be in a frozen state.

Optionally, the base asset pool is generated as follows:

receiving basic asset subscription transaction sent by the client; the basic asset subscription transaction is sent when the client monitors that transfer information transferred by an original equity owner in the asset management direction is stored in an account book of the block chain;

sending the basic asset subscription transaction to other node equipment of the block chain, and performing consensus processing on the basic asset subscription transaction;

and after the basic asset subscription transaction consensus passes, executing contract codes of intelligent contracts called by the basic asset subscription transactions stored in the blockchain account book, screening out basic assets which accord with asset screening rules set by an asset management party from the basic assets stored in the blockchain account book, and establishing a basic asset pool based on the screened basic assets.

Optionally, the method further includes:

after the basic asset pool is established, contract codes in intelligent contracts called by the basic asset underwriting transaction are further executed, the authority confirming processing for the basic assets in the basic asset pool is initiated, and after the asset management party confirms the authority of the basic assets in the basic asset pool, the authorized person corresponding to the basic assets is updated to the asset management party.

Optionally, the method further includes:

after the base asset authority in the base asset pool is determined to be finished, further executing contract codes in intelligent contracts called by the base asset underwriting transaction, and determining whether rating reports aiming at the base assets in the base asset pool are stored on the blockchain; if so, packaging the basic asset pool, and setting the basic assets in the basic asset pool to be in a frozen state.

Optionally, the securitized assets are bonds or funds; the underlying assets are underlying debt assets.

According to a second aspect of the present specification, there is provided an asset management apparatus based on a blockchain, in a ledger of which issued securitized assets are stored; the securitized assets take a basic asset pool stored in an account book of the block chain as a value support; the device is applied to the node equipment of the block chain, and comprises:

the receiving module is used for receiving securitized asset subscription transactions sent by the client; the securitized asset subscription transaction comprises: identity information of investors of the securitized assets and subscription information of the investors;

the consensus module is used for sending the securitized asset subscription transaction to other node equipment in the block chain and carrying out consensus processing on the securitized asset subscription transaction;

and the contract execution module is used for executing a contract code of an intelligent contract called by the securitized asset subscription transaction stored in the blockchain account book after the securitized asset subscription transaction consensus processing is passed, acquiring asset certification information corresponding to the identity information of the investor, and selecting the securitized asset with the share matched with the subscription information from the issued securitized assets stored in the blockchain account book as the asset subscribed by the investor when the acquired asset certification information meets the preset subscription condition.

Optionally, the contract execution module detects whether asset certification information corresponding to the identity information of the investor is stored in the account book of the block chain; if not, generating an asset certification information acquisition event, determining asset certification information of the investor when a business system of a financial institution monitors the asset certification information acquisition event, and issuing the asset certification information to the block chain; acquiring asset certification information of the investor stored on the block chain; and if so, acquiring asset certification information which is stored in the account book of the block chain and corresponds to the identity information of the investor.

and the contract execution module selects the securitized assets with shares matched with the subscription amount from the issued securitized assets stored in the block chain account book.

Optionally, the contract execution module further executes a contract code in an intelligent contract called by the securities asset subscription transaction after selecting the securities assets whose share matches the subscription information, and sets the selected share of securities assets in a frozen state.

Optionally, the receiving module receives a basic asset subscription transaction sent by the client; the basic asset subscription transaction is sent when the client monitors that transfer information transferred by an original equity owner in the asset management direction is stored in an account book of the block chain;

the consensus module is used for sending the basic asset subscription transaction to other node equipment of the block chain and carrying out consensus processing on the basic asset subscription transaction;

and the contract execution module executes the contract code of the intelligent contract called by the basic asset subscription transaction stored in the blockchain account book after the basic asset subscription transaction consensus passes, screens out the basic assets meeting the asset screening rule set by the asset management party from the basic assets stored in the blockchain account book, and creates a basic asset pool based on the screened basic assets.

Optionally, the contract execution module further executes a contract code in an intelligent contract called by the basic asset underwriting transaction after the basic asset pool is created, initiates an authorization process for the basic asset in the basic asset pool, and updates an authorized person corresponding to the authorized basic asset to the asset manager after the asset manager authorizes the basic asset in the basic asset pool.

Optionally, the contract execution module further executes a contract code in an intelligent contract called by the basic asset subscription transaction after the basic asset in the basic asset pool is authenticated, and determines whether a rating report for the basic asset in the basic asset pool is stored on the blockchain; if so, packaging the basic asset pool, and setting the basic assets in the basic asset pool to be in a frozen state.

According to a third aspect of the present specification, there is provided an electronic apparatus comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements a blockchain-based asset management method by executing the executable instructions.

According to a fourth aspect of the present description, there is provided a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement a blockchain-based asset management method.

As can be seen from the above description, by deploying an intelligent contract for asset subscription on a blockchain, when receiving a securitized asset subscription transaction sent by a client, a node device of the blockchain acquires asset certification information of an investor of the securitized asset, and when determining that the acquired asset certification information meets a preset subscription condition, selects a securitized asset whose share matches with the subscription information from issued securitized assets stored in the blockchain ledger as an asset subscribed by the investor, thereby implementing automatic verification of the fundation qualification of the investor and automatic subscription of the securitized asset.

Drawings

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

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

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

FIG. 4 is a schematic diagram of a blockchain-based asset management system shown in an exemplary embodiment of the present description;

FIG. 5 is a flow chart diagram illustrating a method for blockchain based base asset pool creation in accordance with an exemplary embodiment of the present specification;

FIG. 6 is a flow chart of a blockchain based securitized asset underwriting method shown in an exemplary embodiment of the present description;

FIG. 7 is a hardware block diagram of an electronic device shown in an exemplary embodiment of the present description;

fig. 8 is a block diagram of an asset management device based on a blockchain in accordance with an exemplary embodiment of the present disclosure.

Detailed Description

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

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

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

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

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

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

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

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

The consensus algorithm supported in the blockchain may include:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In addition, in a cross-chain scenario, multiple blockchains may implement cross-chain docking through cross-chain relays.

The cross-link relay can be respectively connected with the block chains through the bridging interfaces, and the cross-link data synchronization among the block chains is completed based on the realized data carrying logic.

The chain-crossing technology used for realizing the chain-crossing relay is not particularly limited in this specification; for example, in practical applications, a plurality of block chains can be connected by a chain-crossing mechanism such as side chain technology, notary technology, and the like.

After a plurality of block chains are connected in a butt joint mode through cross-chain relays, data on other block chains can be read and authenticated between the block chains, and intelligent contracts deployed on other block chains can be called through the cross-chain relays.

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

The Asset securitization refers to a process of using cash flow generated in the future of a basic Asset as a value support, carrying out credit enhancement through structured design, and issuing Asset-backed Securities (ABS) on the basis. It is a financing form that issues tradeable securities in favor of a particular portfolio of assets or a particular cash flow.

The process of securitization of assets typically involves participation by multiple parties, which may include: original equity beneficiaries of underlying assets, asset management parties, and securitized asset investors.

The basic flow of asset securitization includes: the original stakeholders of the underlying assets sell the underlying assets to the asset manager, or the asset manager may actively purchase the securitized underlying assets. Then, the asset management party collects the purchased basic assets into a basic asset pool, then uses the cash flow generated by the basic asset pool as a value to support the issuing of securities on the financial market for financing, and finally uses the cash flow generated by the basic asset pool to settle the issued securities.

Specifically, the asset manager may pool the purchased base assets into a base asset pool and then issue the securitized assets with the base asset pool as a value support.

A securitized asset investor may purchase a securitized asset issued by an asset manager from the asset manager. In one aspect, the asset manager may make a second investment with funds paid by the investor to obtain a corresponding cash flow, which may be considered the cash flow generated by the underlying asset pool.

On the other hand, the asset manager may pay a certain amount of money from the cash flow to the securitized asset investor as the profit obtained by the securitized asset investor to purchase the securitized asset, at a rate agreed in advance with the securitized investor, to perform the settlement process using the cash flow.

For example, assuming that the amount of money paid by the securitized investor for purchasing the above-mentioned securitized asset issued by the asset manager is 10000 yuan, and the rate agreed by the asset manager and the securitized asset investor for the securitized asset is 3.65% (annual profit margin), the asset manager may pay the investor 1 yuan per day as the profit obtained by the investor for purchasing the securitized asset.

The asset manager may be SPV (Special Purpose organization). The asset manager is here illustrated by way of example and not specifically limited.

The underlying assets may be underlying debt assets such as accounts receivable and the like.

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

In practical application, when an investor subscribes to securitized assets, the subscription qualification of the investor needs to be verified. After determining that the investor has underwritten, the investor is assigned a securitized asset that matches the investor's underwriting information.

On the one hand, by deploying an intelligent contract for creating a basic asset pool on the blockchain, when receiving basic asset subscription transaction sent by a client, node equipment of the blockchain calls the intelligent contract, basic assets which meet asset screening rules are screened out from basic assets stored in the blockchain, and a basic asset pool which is used as value support of securitized assets is created on the basis of the screened basic assets, so that automatic screening of the basic assets and automatic establishment of the basic asset pool are completed.

On the other hand, by deploying an intelligent contract for asset subscription on the blockchain, when receiving a securitized asset subscription transaction sent by a client, a node device of the blockchain acquires asset certification information of an investor of the securitized asset, and when determining that the acquired asset certification information meets a preset subscription condition, selects a securitized asset with a share matching with the subscription information from issued securitized assets stored in the blockchain ledger as an asset subscribed by the investor, thereby realizing automatic verification of the underwriters' subscription quality and automatic subscription of the securitized asset.

Referring to fig. 4, fig. 4 is a schematic diagram of a blockchain-based asset management system according to an exemplary embodiment of the present disclosure.

The asset management system based on the block chain comprises: block chains, clients of asset managers, clients of original rights beneficiaries of underlying assets, business systems of financial institutions, and the like. In practical applications, the asset management system based on block chains may further include other devices, which are only exemplary and not specifically limited herein.

1. Block chain

1) The block chain stores the basic assets of the original rights beneficiary.

When the method is implemented, the original rights and interests person of the basic asset can publish the basic asset to the blockchain through the client corresponding to the original rights and interests person, and the blockchain can store the basic asset published by the original rights and interests person.

2) Also deployed on the blockchain are intelligent contracts for creating a pool of base assets.

When the method is realized, the asset management party issues a creating transaction of the intelligent contract to the node equipment of the block chain through the client corresponding to the asset management party, the node equipment of the block chain performs consensus processing on the creating transaction, and after the consensus passes, each node equipment of the block chain executes the creating transaction to create the intelligent contract used for creating the basic asset pool.

Wherein the smart contracts used to create the base asset pool may include: contract code corresponding to create base asset pool logic, contract code corresponding to entitlement logic, contract code corresponding to asset package logic, and the like.

And contract codes corresponding to the logic for creating the basic asset pool are used for screening out the basic assets which accord with the asset screening rule from the basic assets stored in the block chain and creating the basic asset pool which is used as the value support of the securitized assets.

And contract codes corresponding to the right confirming logic are used for initiating right confirming treatment aiming at the basic assets in the basic asset pool after the basic asset pool is established, and changing the rights holders of the basic assets in the basic asset pool into the asset management party after the asset management party confirms the right of the basic assets in the basic asset pool.

And the contract code corresponding to the asset packaging logic is used for packaging the basic asset pool and setting the basic assets in the basic asset pool to be in a frozen state if the rating report of the basic assets in the basic asset pool is stored on the block chain after the basic asset in the basic asset pool is confirmed to be right.

3) Intelligent contracts for securitization asset subscription are also deployed on the blockchain

When the realization is carried out, the asset management party issues a creation transaction of an intelligent contract for securitization asset subscription to the node equipment of the block chain through the client corresponding to the asset management party, the node equipment of the block chain carries out consensus processing on the creation transaction, and after the consensus passes, each node equipment of the block chain executes the creation transaction to create the intelligent contract for securitization asset subscription.

And the intelligent contract is used for acquiring asset certification information corresponding to the identity information of the investor, and selecting the securitized assets with shares matched with the subscription information from the issued securitized assets stored in the blockchain ledger as the assets subscribed by the investor and the like when the acquired asset certification information meets the preset subscription condition.

2. Business system of financial institution

The business system of the financial institution is used for maintaining the account of an original rights beneficiary of the basic asset, the account of an asset management party and the account of a securitized asset investor, carrying out fund transfer, chaining and storing the transfer information among the parties, issuing the asset certification information of the securitized asset investor, chaining the asset certification information and the like.

The financial institution may be a banking institution or the like, and is only exemplary and not particularly limited.

It should be noted that the node devices of the block chain are respectively interfaced with the client of the original beneficiary, the client of the asset management party, and the business system of the financial institution.

The asset management method based on the block chain provided by the specification comprises the following steps: the creation of a base asset pool based on a blockchain and the underwriting of securitized assets based on a blockchain are described below.

1. Block chain based creation of a base asset pool

Referring to fig. 5, fig. 5 is a flowchart illustrating a method for creating a basic asset pool based on a blockchain according to an exemplary embodiment of the present disclosure, where the method is applicable to a node device of the blockchain. The node devices of the blockchain store the basic assets of the original beneficiary.

Step 502: receiving a basic asset subscription transaction sent by the client by the node equipment of the block chain; and the basic asset subscription transaction is sent when the client monitors that the account book of the block chain stores transfer information transferred by an original equity owner from the asset management direction.

When the method is implemented, the bank platform can issue transfer information to the block chain after monitoring the transfer information transferred by an original rights beneficiary (called the original rights beneficiary for short) of the basic asset from the asset management direction.

After monitoring that the transfer information is stored in the blockchain, the client (such as a client of a management party) may issue an asset subscription transaction to the node device of the blockchain, where the asset subscription transaction carries the transfer information.

Wherein the base asset subscription transaction is a transaction for invoking a smart contract. The invoked smart contracts included in the transactions for invoking smart contracts approximate the smart contracts used to create the underlying asset pool described above. For ease of description, this transaction of invoking the smart contract is referred to as a base asset underwriting transaction.

Step 504: and the node equipment of the block chain sends the basic asset subscription transaction to other node equipment of the block chain, and performs consensus processing on the basic asset subscription transaction.

After receiving the basic asset subscription transaction, the node device of the blockchain may send the basic asset subscription transaction to other node devices in the blockchain. The node device and other node devices of the blockchain may perform consensus processing on the underlying asset subscription transaction.

The consensus algorithm used herein may be the first type consensus algorithm described above, or the second type consensus algorithm described above, and here, the consensus algorithm is only exemplarily described, and the formula algorithm is not specifically limited.

Step 506: and after the basic asset subscription transaction consensus passes, the node equipment of the blockchain executes contract codes of the intelligent contract called by the basic asset subscription transaction stored in the blockchain account book, screens out basic assets which accord with an asset screening rule set by an asset management party from the basic assets stored in the blockchain account book, and creates a basic asset pool based on the screened basic assets.

When the basic asset subscription transaction consensus is passed, the node device of the block chain can call the intelligent contract for creating the basic asset pool, execute a contract code corresponding to the logic of creating the basic asset pool in the intelligent contract, acquire the basic asset stored in the block chain account book, and detect whether the block chain stores an asset screening rule set by an asset management party.

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

If the block chain stores the asset screening rule set by the asset management party, the asset screening rule is obtained, the basic assets which meet the asset screening rule set by the asset management party are screened out from the basic assets stored in the block chain, and a basic asset pool is created based on the screened basic assets.

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

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

Of course, in order to ensure that the screened underlying assets match the value of the investor's transfer amount. The transfer information comprises transfer amount, and in the process of screening the basic assets, the node equipment of the block chain can screen the basic assets which accord with the asset screening rule set by the asset management party and have asset value matched with the value of the transfer amount from the basic assets stored in the block chain.

It should be noted that the matching of the asset value of the base asset and the value of the transfer amount may mean that the asset value of the base asset and the value of the transfer amount are completely consistent.

For example, if the underlying asset generates a cash flow of 1000 thousand and the transfer amount is also 1000 thousand, then the asset value of the underlying asset matches the value of the transfer amount.

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

For example, the asset value of the underlying asset is 1.1 times the transfer amount, for example. Assuming that the asset value of the underlying asset is 1100 tens of thousands and the transfer amount is 1000 thousands, the asset value of the underlying asset can be considered to match the transfer amount.

Alternatively, assume that the asset value of the underlying asset is 0.9 times the transfer amount. Assuming that the asset value of the base asset is 900 tens of thousands and the transfer amount is 1000 thousands, the asset value of the base asset can be considered to match the transfer amount.

Certainly, in practical application, the original rights beneficiary can also publish the basic assets on other block chains, the node devices on the block chains can acquire the basic assets which accord with the asset screening rules and are matched with the transfer information from the other block chains through the cross-chain relay, and a basic asset pool is created based on the acquired basic assets.

The creation of the base asset pool is here illustrated by way of example and not specifically limited.

After the base asset pool is created, the node device of the blockchain performs the right confirmation on the base asset.

In implementation, after the basic asset pool is created, a contract code corresponding to the right determining logic in an intelligent contract called by the basic asset underwriting transaction may be further executed, and right determining processing for the basic asset in the basic asset pool is initiated. And after the asset management party confirms the right of the basic assets in the basic asset pool, updating the rights and interests person corresponding to the base assets after the right confirmation into the asset management party.

For example, a node device of the blockchain may further execute contract code corresponding to asset credentialing logic in the intelligent contract invoked by the base asset underwriting transaction to generate a credentialing event in a contract account of the intelligent contract. When the bank platform (the client of the asset management party) monitors the right confirming event, the asset management party can be reminded to confirm the basic assets in the basic asset pool and carry out signature. After the property manager completes the right confirmation, the bank platform submits the right confirmation information (such as the property manager signature) submitted by the property manager to the intelligent contract. After receiving the right confirming information, the intelligent contract can confirm that the investor confirms the right of the basic assets in the basic assets, and then the intelligent contract can update the rights and interests corresponding to the basic assets to the asset management party.

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

In another alternative implementation, the authorized equiter information of the base asset is maintained on the asset manager platform, the intelligent contract may generate an equiter update event, and after the asset manager platform monitors the equiter update event, the equiter of the authorized base asset maintained on the asset manager platform may be updated to the asset manager, and the equiter update success information is submitted to the intelligent contract. After receiving the successful update information of the equitable persons, the intelligent contract can determine that the equitable persons of the base assets after the right confirmation are updated as the asset management party.

In addition, it should be noted that, after the node device of the blockchain determines that the equitable persons corresponding to the authorized base assets are updated to the asset management parties, the node device of the blockchain may issue the transaction to the blockchain, where the transaction includes: the base assets after the right determination and the information of the rights holders (namely asset management parties) corresponding to the base assets.

In this description embodiment, after determining the authority of the base asset in the base asset pool, the node device of the blockchain may execute a contract code corresponding to the asset package logic in the intelligent contract called by the base asset underwriting transaction, and determine whether a rating report for the base asset in the base asset pool is stored on the blockchain. Wherein the rating report includes qualification information of the base asset as a securitized asset by the rating organization, such as the rating report may include an issued report or the like.

And if the block chain stores the rating report aiming at the basic assets in the basic asset pool, packaging the basic asset pool, and setting the basic assets in the basic asset pool to be in a frozen state.

When the base asset pool is packaged, the intelligent contract is set for one packaging period (for example, three months) of the base asset pool. Meanwhile, the intelligent contract sets the base assets in the base asset pool to a frozen state. The base assets in the pool of base assets cannot be transferred within the packaging cycle, thereby preventing the same base asset from being issued in a second securitization.

When the base asset in the base asset pool is set to the frozen state, an alternative implementation manner is that the state information of the base asset is maintained on the node device of the blockchain, and the intelligent contract may set the state information of the base asset in the base asset pool maintained by the node device of the blockchain to the frozen state.

In another alternative implementation, the status information for the base assets in the base asset pool may be maintained on the asset manager platform. The intelligent contract can generate a freezing event, and after the asset management platform monitors the freezing event, the state information of the basic assets in the basic asset pool maintained on the asset management platform can be set to be in a freezing state, and asset state updating success information is submitted to the intelligent contract. After receiving the asset status update success information, the intelligent contract can determine that the base assets in the base asset pool are in a frozen state.

2. Block chain based underwriting of securitized assets

Referring to fig. 6, fig. 6 is a flow chart illustrating a block chain-based securitization asset subscription method according to an exemplary embodiment of the present disclosure, which may be applied to a node device of a block chain and may include the following steps.

Step 602: the node equipment of the block chain receives securitized asset subscription transaction sent by a client; the securitized asset subscription transaction comprises: identity information of an investor of a securitized asset, and underwriting information of the investor;

for convenience of description, the investors of the securitized assets are simply referred to herein as investors, and will not be described further.

When an investor needs to subscribe to securitized assets, the investor can send an asset subscription request to a business system of an asset management party through a user terminal, wherein the asset subscription request carries identity information of the investor, subscription information of the investor and the like.

After receiving the asset subscription request, the business system of the asset management party can acquire the identity information of the investor and the subscription information of the investor, which are carried in the asset subscription request, and generate a securitized asset subscription transaction based on the identity information and the subscription information of the investor. The securitized asset subscription transaction includes identity information and subscription information of the investor.

The asset manager may then send the securitized asset subscription transaction to a node device of the blockchain via the client.

The identity information of the investor refers to information related to the identity of the investor, and can include: the information such as the name and identification number of the investor is only exemplary and not limited to the identity information of the investor.

Subscription information refers to information related to securitized asset subscription and may include: subscription amounts, etc. Here, the subscription information is merely exemplary and is not particularly limited.

Step 604: and the node equipment of the block chain sends the securitized asset subscription transaction to other node equipment in the block chain, and performs consensus processing on the securitized asset subscription transaction.

After receiving the securitized asset subscription transaction, the node device of the blockchain may send the securitized asset subscription transaction to other node devices in the blockchain. The blockchain node device and other node devices may perform consensus processing on the securitized asset subscription transaction.

Step 606: after the securitized asset subscription transaction consensus processing is passed, the node device of the blockchain executes contract codes of intelligent contracts called by the asset subscription transactions stored in the blockchain account book, acquires asset certification information corresponding to the identity information of the investor, and selects securitized assets with shares matched with the subscription information from issued securitized assets stored in the blockchain account book as assets subscribed by the investor when the acquired asset certification information meets preset subscription conditions.

When the realization is successful, after the securities asset subscription transaction consensus processing is passed, the node device of the blockchain may execute a contract code in an intelligent contract called for the securities asset subscription transaction stored in the blockchain ledger, acquire asset certification information of the investor, acquire a subscription condition, detect whether the asset certification information of the investor meets the subscription condition, and if the asset certification information of the investor meets the subscription condition, select a securities asset whose share matches with the subscription information from the issued securities assets stored in the blockchain ledger as the asset subscribed by the investor.

When acquiring asset certification information of an investor, the node device of the blockchain can detect whether asset certification information corresponding to the identity information of the investor is stored in the account book of the blockchain.

And if the blockchain stores the asset certification information corresponding to the identity information of the investor, acquiring the asset certification information corresponding to the identity information of the investor, which is stored in the blockchain account book.

And if the asset certification information corresponding to the identity information of the investor is not stored in the block chain account book, generating an asset certification information acquisition event. After monitoring the asset certification information acquisition event, the business system of the financial institution can determine the account of the investor according to the identity information of the investor and generate asset certification information according to assets in the account of the investor. The financial institution's business system may then publish the asset identification information to the blockchain. The node device of the blockchain may obtain the asset certification information of the investor stored in the ledger of the blockchain. Of course, the business system of the financial institution may also directly submit the asset certification information of the investor to the intelligent contract. And is not particularly limited herein.

When acquiring the subscription condition, the node device of the blockchain may detect whether the subscription condition is stored in the blockchain ledger. If the subscription condition is stored in the block chain ledger book, the subscription condition can be acquired from the block chain ledger book. And if the subscription condition is not stored in the account book of the block chain, generating a reminding event. After monitoring the reminding event, the asset management party can issue the set subscription condition to the blockchain. The node device of the blockchain may obtain the subscription conditions stored for the blockchain.

The underwriting conditions can be uniform underwriting conditions, that is, all investors correspond to the same underwriting conditions. Of course, the above-mentioned underwriting conditions may also be underwriting conditions for different types of investors.

For example, in practical applications, the underwriting conditions are different for different types of investors. For example, for professional investors, the underwriting conditions that need to be met include: the professional investor is outside the professional financial investment organization, and a legal person or other organization has the investment experience of over 2 years of securities, funds, futures, gold, foreign exchange and the like, and the net asset of the legal person in the last 1 year is not less than 2000 ten thousand yuan, the financial asset of the legal person in the last 1 year is not less than 1000 ten thousand yuan.

For a common investor, for example, the subscription condition is that the financial assets are not less than 500 ten thousand yuan.

Therefore, when the subscription conditions are subscription conditions for different types of investors, the node apparatus of the blockchain can determine the type of the investor and then acquire the subscription conditions corresponding to the type of the investor when acquiring the subscription conditions.

The acquisition mode for acquiring the subscription conditions corresponding to the investor type is as described above, and is not described herein again.

In this embodiment of the present specification, after acquiring asset certification information of an investor and a subscription condition corresponding to a type of the investor, a node device of a block chain may detect whether the asset certification information conforms to the subscription condition.

And if the asset certification information does not meet the underwriting conditions, determining that the investor does not have underwriting qualification, and generating an event without underwriting qualification. The asset management party may monitor the event without underwriting and then may report a failure to underwritten to the investor.

And if the asset certification information meets the subscription conditions, determining that the investor has subscription qualifications, and selecting the securitized assets with shares matched with the subscription information from the issued securitized assets stored in the blockchain account book as the assets subscribed by the investor.

When selecting a securitized asset whose share matches the subscription information from among the issued securitized assets stored in the blockchain ledger, the node device of the blockchain may select a securitized asset whose share matches the subscription amount from among the issued securitized assets stored in the blockchain ledger.

Of course, the subscription information may further include a subscription share, and when selecting a securitized asset whose share matches the subscription information from among the issued securitized assets stored in the blockchain ledger, the node device of the blockchain may further select a securitized asset whose share matches the subscription share from among the issued securitized assets stored in the blockchain ledger.

In addition, in this embodiment of the present specification, after selecting a securitized asset whose share matches the subscription information from the issued securitized assets stored in the blockchain ledger, and using the selected securitized asset as the asset subscribed by the investor, the blockchain link point device may further execute a contract code in an intelligent contract called for the securitized asset subscription transaction, and update the equiter of the selected securitized asset as the investor.

In updating the equiters of the selected securitized assets, in an alternative implementation, equiter information of the selected securitized assets is maintained on node devices of the blockchain. In the updating, the intelligent contract may update the stakeholders of the selected securitized assets maintained on the block link point device as investors.

In another alternative implementation, the information about the equity persons of the selected securitized asset is maintained on the asset manager platform, the intelligent contract may generate an equity person update event, and after the asset manager platform monitors the equity person update event, the equity persons of the selected securitized asset maintained on the asset manager platform may be updated to investors and the equity person update success information may be submitted to the intelligent contract. The intelligent contractor, upon receiving the information that the equity owner has been successfully updated, may determine that the equity owner of the selected securitized asset is updated as an investor.

In addition, in order to prevent the same securitized asset from being subscribed for multiple times, the securitized asset with the share matching with the subscription information is selected from the issued securitized assets stored in the blockchain ledger, and after the securitized asset is subscribed by the investor, the blockchain link point device can further execute a contract code in an intelligent contract called for the securitized asset subscription transaction, and set the state of the securitized asset to be in a frozen state.

When setting the selected securitized asset to the frozen state, an alternative implementation is that the state information of the selected securitized asset is maintained on a node device of the blockchain, and the intelligent contract may set the state information of the selected securitized asset maintained by the node device of the blockchain to the frozen state.

In another alternative implementation, the status information for the selected securitized asset may be maintained on the asset manager platform. The intelligent contract can generate a freeze event, and after the asset management platform monitors the freeze event, the state information of the selected securitized asset maintained on the asset management platform can be set to be in a freeze state, and asset state updating success information is submitted to the intelligent contract. After receiving the asset status update success message, the intelligent contracts may determine that the selected securitized asset is in a frozen state.

As can be seen from the above description, on one hand, by deploying an intelligent contract for creating a basic asset pool on a blockchain, when receiving a basic asset subscription transaction sent by a client, a node device of the blockchain invokes the intelligent contract, screens out basic assets meeting asset screening rules from basic assets stored in the blockchain, and creates a basic asset pool serving as a value support for securitized assets based on the screened basic assets, thereby completing automatic screening of the basic assets and automatic establishment of the basic asset pool.

Corresponding to the above embodiments of the asset management method based on the block chain, the present specification also provides embodiments of an asset management device based on the block chain.

Corresponding to the above embodiment of the asset management method based on the block chain, the present specification also provides an embodiment of an asset management device based on the block chain. Embodiments of the blockchain-based asset management apparatus of the present specification may be applied to electronic devices. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation. From a hardware aspect, as shown in fig. 7, the hardware structure diagram of the electronic device where the block chain-based asset management apparatus of this specification is located is shown in fig. 7, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 7, the electronic device where the apparatus is located in the embodiment may also include other hardware according to an actual function of the electronic device, which is not described again.

Referring to fig. 8, fig. 8 is a block diagram of a block chain-based asset management device according to an exemplary embodiment of the present disclosure.

The block chain account book stores published securitized assets; the securitized assets take a basic asset pool stored in an account book of the block chain as a value support; the device is applied to the node equipment of the block chain, and comprises:

a receiving module 801, which receives securitized asset subscription transactions sent by a client; the securitized asset subscription transaction comprises: identity information of investors of the securitized assets and subscription information of the investors;

a consensus module 802, configured to send the securitized asset subscription transaction to other node devices in the block chain, and perform consensus processing on the securitized asset subscription transaction;

and a contract execution module 803, configured to execute a contract code of an intelligent contract called for the securitized asset subscription transaction stored in the blockchain ledger when the securitized asset subscription transaction consensus process passes, acquire asset certification information corresponding to the identity information of the investor, and select a securitized asset having a share matching the subscription information from the issued securitized assets stored in the blockchain ledger as the asset subscribed by the investor when it is determined that the acquired asset certification information satisfies a preset subscription condition.

Optionally, the contract execution module 803 detects whether asset certification information corresponding to the identity information of the investor is stored in the ledger of the block chain; if not, generating an asset certification information acquisition event, determining asset certification information of the investor when a business system of the financial institution monitors the asset certification information acquisition event, and issuing the asset certification information to the block chain; acquiring asset certification information of the investor stored on the block chain; and if so, acquiring asset certification information corresponding to the identity information of the investor and stored in the account book of the block chain.

the contract execution module 803 selects a securitized asset whose share matches the subscription amount from the issued securitized assets stored in the blockchain ledger.

Optionally, the contract execution module 803, after selecting the share of the securitized assets that match the subscription information, further executes a contract code in the intelligent contract called by the securitized asset subscription transaction, and sets the state of the selected share of the securitized assets to a frozen state.

Optionally, the receiving module 801 is configured to receive a basic asset subscription transaction sent by the client; the basic asset subscription transaction is sent when the client monitors that transfer information transferred by an original equity owner in the asset management direction is stored in an account book of the block chain;

the consensus module 802 sends the basic asset subscription transaction to other node devices of the block chain, and performs consensus processing on the basic asset subscription transaction;

the contract execution module 803 executes a contract code of an intelligent contract called for the basic asset subscription transaction stored in the blockchain ledger after the basic asset subscription transaction consensus is passed, screens out basic assets meeting an asset screening rule set by an asset manager from the basic assets stored in the blockchain ledger, and creates a basic asset pool based on the screened out basic assets.

Optionally, the contract execution module 803, after the basic asset pool is created, further executes a contract code in the intelligent contract called by the basic asset underwriting transaction, initiates an authorization determination process for the basic asset in the basic asset pool, and after the asset management party determines the authorization of the basic asset in the basic asset pool, updates the authorized person corresponding to the basic asset as the asset management party.

Optionally, the contract execution module 803, after the confirmation of the base assets in the base asset pool is completed, further executes a contract code in the intelligent contract called by the base asset underwriting transaction to determine whether a rating report for the base assets in the base asset pool is stored on the blockchain; if so, packaging the basic asset pool, and setting the basic assets in the basic asset pool to be in a frozen state.

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

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

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

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

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

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

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

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

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

Claims

1. An asset management method based on a block chain, wherein issued securitized assets are stored in an account book of the block chain; the securitized assets take a basic asset pool stored in an account book of the block chain as a value support; the method is applied to a node device of the block chain, and comprises the following steps:

receiving securitized asset subscription transactions sent by a client; the securitized asset subscription transaction comprises: identity information of an investor of the securitized asset, and underwriting information of the investor;

2. The method of claim 1, the obtaining asset attestation information corresponding to identity information of the investor, comprising:

3. The method of claim 1, the investor's underwriting information comprising: a subscription amount;

4. The method of claim 1, further comprising:

after selecting the share of the securitized assets which are matched with the subscription information, further executing contract codes in the intelligent contracts called by the securitized asset subscription transaction, and setting the state of the selected share of the securitized assets to be in a frozen state.

5. The method of claim 1, the base asset pool generated by:

6. The method of claim 5, further comprising:

7. The method of claim 6, further comprising:

8. The method of claim 1, the securitized asset being a bond or fund; the underlying assets are underlying debt assets.

9. An asset management device based on a block chain, wherein a published securitized asset is stored in an account book of the block chain; the securitized assets take a basic asset pool stored in an account book of the block chain as a value support; the device is applied to the node equipment of the block chain, and comprises:

10. The apparatus according to claim 9, the contract execution module detecting whether asset certification information corresponding to the identity information of the investor is stored in a ledger of the blockchain; if not, generating an asset certification information acquisition event, determining asset certification information of the investor when a business system of a financial institution monitors the asset certification information acquisition event, and issuing the asset certification information to the block chain; acquiring asset certification information of the investor stored on the block chain; and if so, acquiring asset certification information which is stored in the account book of the block chain and corresponds to the identity information of the investor.

11. The apparatus of claim 9, the investor's underwriting information comprising: a subscription amount;

12. The apparatus of claim 9, the contract execution module, after selecting a share of the securitized asset that matches the subscription information, further executing a contract code in the intelligent contract invoked by the securitized asset subscription transaction, setting a status of the selected share of the securitized asset to a frozen status.

13. The apparatus of claim 9, wherein the first and second electrodes are disposed on opposite sides of the substrate,

the receiving module is used for receiving the basic asset subscription transaction sent by the client; the basic asset subscription transaction is sent when the client monitors that transfer information transferred by an original equity owner in the asset management direction is stored in an account book of the block chain;

14. The apparatus of claim 13, wherein the contract execution module is further configured to execute a contract code in an intelligent contract invoked by the base asset underwriting transaction after the base asset pool is created, initiate an authorization process for the base assets in the base asset pool, and update an authorized person corresponding to the authorized base assets as the asset manager after the asset manager authorizes the base assets in the base asset pool.

15. The apparatus of claim 14, the contract execution module to further execute contract code in a smart contract invoked by the base asset underwriting transaction after completion of the base asset authority in the base asset pool to determine whether a rating report for a base asset in the base asset pool is stored on the blockchain; if so, packaging the basic asset pool, and setting the basic assets in the basic asset pool to be in a frozen state.

16. The apparatus of claim 9, wherein said securitized asset is a bond or fund; the underlying assets are underlying debt assets.

17. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

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

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