CN111768302B

CN111768302B - Patent securitization transaction support system based on blockchain and transaction method thereof

Info

Publication number: CN111768302B
Application number: CN201910265162.0A
Authority: CN
Inventors: 丁晓蔚; 戴�峰
Original assignee: Nanjing University
Current assignee: Nanjing University
Priority date: 2019-04-02
Filing date: 2019-04-02
Publication date: 2023-10-17
Anticipated expiration: 2039-04-02
Also published as: CN111768302A

Abstract

The invention provides a patent securitization transaction support system based on a blockchain and a transaction method thereof. The SPV platform is used as a special purpose company to isolate the income of the patent from the business condition of the enterprise through real sales and bankruptcy isolation. The SPV will evaluate and package the different patent assets and then, through the processing of the credit rating and credit rating agency, deliver the securities to the underwriter. Each time a patent is granted, funds flow into the SPV; the SPV then pays interest to and pays principal to the investor periodically according to the preset rules. The related asset information and cash flow of the platform are written into the blockchain, a traceable and verifiable history record and a predictable and stable future cash flow can be obtained, meanwhile, the problem of opaque bottom layer assets is effectively solved, and the simplification of an online communication flow and the penetrating supervision of a supervision mechanism are realized.

Description

Patent securitization transaction support system based on blockchain and transaction method thereof

Technical Field

The invention relates to the field of blockchains, in particular to a blockchain-based patent securitization transaction support system and a transaction method thereof.

Background

While securitization of assets is currently being developed in an explosive manner, patent-based securitization of assets is not substantially developed. Most of the prior middle-small micro-technology enterprises have few fixed assets, thin bottoms and lack of reliable mortgages, and are difficult to obtain the trust of banks so as to successfully financing loans. The patent securitization in China is still in the exploration stage, the patent securitization platform system is fewer, and the existing patent securitization platform mainly comprises the following steps: the invention patent of China with publication number of CN109360103A discloses a method and a device for processing securities products based on the regular words of assets of a blockchain, which mainly utilize the intelligent contract technology of the blockchain, improve flexibility and dynamic expandability, reduce various costs of users and conduct intelligent processing on risks. But do not provide a substantial idea for securitization of intangible assets (patents). The Chinese patent with publication number of CN105488138A discloses a system for realizing patent securitization, which utilizes the grabbing technology of a getHTTPPage method and a database technology to realize patent securitization at low cost and high speed through legal data acquisition, but the problem of poor liquidity of patent assets cannot be solved, and information symmetry cannot be ensured.

The securitization market itself has many pain points at the same time, and mainly has the following four problems:

the patent asset has poor fluidity, and the known product is difficult to be converted into the asset. And (II) the process is complex, and the operation period is long: in the securitization process of the assets, whether the assets are evaluated or packaged, the interests of all the participants are involved, the traditional mode is to coordinate all the participants through negotiations, the whole business link involves tens of support files, the manufacturing process is repeatedly modified, and the auditing of the issuing text consumes time and has low efficiency. And (III) the information is asymmetrically opaque, mainly the underlying assets are opaque. The bottom layer assets are packaged assets, the quality of the assets in the bottom layer assets is different, the quality of the assets is good or bad, and the information is asymmetric, so that investors in patent asset securitization (IPBS) have difficulty in distinguishing how the quality of each asset is. And (IV) the risk supervision aspect is imperfect.

Disclosure of Invention

The invention aims to: in order to overcome the defects of poor liquidity, complex process, long operation period, asymmetric and opaque information and imperfect risk supervision of patent assets, the invention provides a securitization transaction support system based on a blockchain and a transaction method thereof.

The technical scheme is as follows: in order to achieve the above purpose, the present invention proposes the following technical solutions:

a blockchain-based patent securitization transaction support system comprising:

the system comprises user nodes, SPV platform nodes, credit rating mechanism nodes and underwriting mechanism nodes which are arranged in a blockchain, wherein the user nodes comprise patent holder nodes and patent purchaser nodes; the SPV platform node operates a plurality of patent pools, a patent holder uploads own patent to the SPV platform node, the patent holder is put into the patent pool, and the patent pool utilizes the intelligent contract technology of the blockchain to carry out automatic transaction according to the predefined rules in the pool; the SPV platform node is used as a special purpose company to isolate the incomes of patents from the business conditions of the enterprises through real sales and bankruptcy, predicts future cash flows through obtaining transaction data in a patent pool, evaluates and packages different patent assets, and distributes securities to a underwriter for sale through credit rating and design securities of a credit grading mechanism, so that investors invest.

A patent securitization transaction method based on a patent securitization transaction support system of a blockchain comprises the following steps:

(1) Creating user nodes, SPV platform nodes, credit rating agency nodes and underwriting agency nodes for participating in patent transactions on a blockchain;

(2) The user applies for future patent implementation permission rights to the SPV platform, the SPV platform returns price information to the user according to rules of the patent pool, and the transaction record is uplink after agreement is achieved; the SPV platform uses a distributed account book technology to realize real-time payment settlement, all information is stored on nodes owned and managed by stakeholders, and unification of data of all nodes is ensured through a block chain consensus mechanism;

(3) The SPV platform performs security issuance, including the steps of:

the SPV platform is used as a special purpose company and is assigned by a patent so that the SPV platform is no longer in the property range of a patent holder, and bankruptcy isolation is carried out so that bankruptcy of the patent holder does not influence securitization; the SPV evaluates and packages different patent assets by acquiring transaction records on a chain, designs securities by a credit rating and credit grading mechanism, finally distributes securities for sale by a underwriter, and links security issuing records;

(4) The SPV platform carries out securities trade, comprising the following steps: after investors invest patent securities, if users obtain the permission authorization of the patent, patent transaction is carried out, and transaction funds flow into the SPV platform; the SPV platform automatically pays interest to investors on a regular basis in accordance with the pre-specifications of the smart contract and pays principal to investors after the securities expire.

The beneficial effects are that: compared with the prior art, the invention has the following advantages:

firstly, securitizable base assets must be "have good history records and foreseeable, stable future cash flows", the blockchain uses a distributed ledger technique to realize real-time payment settlement, all information is stored on nodes owned and managed by stakeholders, and the unification of data of all nodes is ensured through a blockchain consensus mechanism. Secondly, aiming at the points that the bottom layer assets are opaque and the information is asymmetric, only authorized persons can see the information and transaction data in the chain in the private chain. On the federation chain, information is disclosed to the parties involved therein. Participants in the chain can query for relevant asset information at any time and any place. Thereby reducing the potential risk to investors due to information asymmetry. Through blockchain smart contracts, a complex game rule (i.e., smart contract) can be agreed in advance, which cannot be altered once it is determined, whether it is a platform or a patent holder, or a financial institution. Thus, fairness and fairness in asset assessment, packaging and transaction processes are effectively ensured. Third, many documents of existing securities are paper or uploaded in PDF, but lack a uniform format, and limit the automated process. The blockchain ensures the validity of the transaction by recording the transaction on the master centralized register and the connected common distributed register system. The fact that the data is embedded in the public network and updated with each transaction improves transparency and prevents modification or corruption. The online communication is realized, and the transaction flow is simplified. Fourth, the federation chain is also an effective tool for financial supervision. The financial supervision departments such as the foundation association can be invited to join the alliance chain to serve as a supervision role, and each link in the asset securitization process is supervised in real time through a technical means, so that supervision work is changed from current post supervision to real-time supervision, more data are mastered than before when the financial supervision departments are used as a single center, the bottom layer asset is effectively mastered, and the penetrating supervision is truly realized. In terms of security, traditional securities markets are exchange-centric and may cause a suspension of exchanges once the exchange system is attacked or fails. Under the blockchain technology, the whole operation of the distributed structure is not affected by the occurrence of problems of part of nodes, so that the security trade stability is improved.

Drawings

FIG. 1 is a system block diagram of the present invention;

fig. 2 is a flow chart of the operation of the present invention.

Detailed Description

The invention will be further described with reference to the drawings and the specific examples.

The invention provides a block chain-based patent securitization transaction support system, the structure diagram of which is shown in figure 1, comprising: the system comprises user nodes, SPV platform nodes, credit rating mechanism nodes and underwriting mechanism nodes which are arranged in a blockchain, wherein the user nodes comprise patent holder nodes and patent purchaser nodes; the SPV platform node operates a plurality of patent pools, a patent holder uploads own patent to the SPV platform node, the patent holder is put into the patent pool, and the patent pool utilizes the intelligent contract technology of the blockchain to carry out automatic transaction according to the predefined rules in the pool; the SPV platform node is used as a special purpose company to isolate the incomes of patents from the business conditions of the enterprises through real sales and bankruptcy, predicts future cash flows through obtaining transaction data in a patent pool, evaluates and packages different patent assets, and distributes securities to a underwriter for sale through credit rating and design securities of a credit grading mechanism, so that investors invest.

FIG. 2 is a flow chart of a transaction method of the blockchain-based securitization transaction support system, wherein the patent holders, companies (patent demander), credit enhancing institutions, credit scoring institutions, contractors, etc. in FIG. 1 are all on-chain. Part 201 is the basic transaction function of the platform, creating multiple users (companies) on the blockchain for participating in patent transactions, the users apply future patent implementation licensing rights to the SPV platform, the SPV platform returns price information to the users according to rules of the patent pool, and the transaction record will be uplink after agreement is reached. The SPV platform uses a distributed account book technology to realize real-time payment settlement, all information is stored on nodes owned and managed by stakeholders, and unification of data of all nodes is ensured through a block chain consensus mechanism. The part 202 is a securities issuing part of the SPV platform, mainly realizes patent securitization, the SPV platform is used as a special purpose company to be assigned by a patent so that the SPV platform is no longer in the property range of a patent holder, and the patent holder is isolated from breaking so that the securitization is not influenced by the breaking of the patent holder. The SPV platform obtains the trade records on the chain to evaluate and package different patent assets through a profit method, designs securities through a credit rating and credit grading mechanism, finally distributes the securities for sale by a underwriter, and links the securities issuing records. Meanwhile, government institutions and supervision institutions are invited to uplink to supervise patent asset securitization and trade flows, each link in the asset securitization process is supervised, and penetrating real-time supervision is achieved. The 203 part is the securities trade part of the platform, after investors invest patent securities, if users (companies) obtain the licensing authorization of the patent, the patent trade is carried out, and trade funds flow into the SPV platform; the SPV platform then automatically pays interest to the investor periodically according to the predefined intelligent contract, and pays principal to the investor after the securities expire.

The foregoing is only a preferred embodiment of the invention, it being noted that: it will be apparent to those skilled in the art that various modifications and adaptations can be made without departing from the principles of the present invention, and such modifications and adaptations are intended to be comprehended within the scope of the invention.

Claims

1. A method of securitization transaction of a patent comprising the steps of:

(1) Creating user nodes, SPV platform nodes, credit rating agency nodes and underwriting agency nodes on the blockchain for participating in patent transactions;

(2) The user applies for future patent implementation permission rights to the SPV platform, the SPV platform returns price information to the user according to rules of the patent pool, and transaction records are uplink after agreement is achieved; the SPV platform uses a distributed account book technology to realize real-time payment settlement, all information is stored on nodes owned and managed by stakeholders, and unification of data of all nodes is ensured through a block chain consensus mechanism;

(3) The SPV platform performs security issuance, including the steps of:

the SPV platform is used as a special purpose company and is assigned by a patent so that the SPV platform is no longer in the property range of a patent holder, and the SPV platform is used for breaking isolation so that the breaking of the patent holder does not influence securitization; the SPV evaluates and packages different patent assets by acquiring transaction records on a chain, designs securities by a credit rating and credit grading mechanism, finally distributes securities for sale by a underwriter, and links security issuing records;

(4) The SPV platform carries out securities trade, comprising the following steps: after investors invest patent securities, if users obtain patent license authorization, patent trade is performed, and trade funds flow into the SPV platform; the SPV platform automatically pays interest to investors on a regular basis in accordance with the pre-specifications of the smart contract and pays principal to investors after the securities expire.

2. A blockchain-based securitization transaction support system for implementing the method of claim 1, comprising: