CN113222574A

CN113222574A - Remittance method and device based on block chain system

Info

Publication number: CN113222574A
Application number: CN202110510872.2A
Authority: CN
Inventors: 胡国卿; 魏玮
Original assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Shanghai Ant Chuangjiang Information Technology Co ltd
Priority date: 2021-05-11
Filing date: 2021-05-11
Publication date: 2021-08-06
Anticipated expiration: 2041-05-11
Also published as: WO2022237555A1; CN113222574B

Abstract

One or more embodiments of the present disclosure provide a method and apparatus for money transfer based on a blockchain system, including: an asset issuer issues balance assets to be allocated and liability assets to be allocated in a blockchain system, wherein the amounts of the balance assets to be allocated and the liability assets to be allocated are equal; the asset issuer distributes the balance assets to be distributed and the liability assets to be distributed which do not exceed the credit line of the first remittance organization to the first blockchain account corresponding to the first remittance organization to be used as the available balance assets and the available liability assets corresponding to the first remittance organization, wherein the amount of the available balance assets and the amount of the available liability assets are equal; the first money transfer organization sends a money transfer transaction instructing a second money transfer organization to transfer money to the blockchain system, so that the blockchain system transfers available balance assets in the first blockchain account, which are equal to the amount instructed in the money transfer transaction, to a second blockchain account corresponding to the second money transfer organization.

Description

Remittance method and device based on block chain system

Technical Field

One or more embodiments of the present disclosure relate to the field of blockchain technology, and more particularly, to a method and apparatus for remittance based on a blockchain system.

Background

The block chain technology (also called as distributed ledger technology) is a decentralized distributed database technology, has the characteristics of decentralization, openness and transparency, no tampering, trustiness and the like, and is suitable for application scenes with high requirements on data reliability. In view of the foregoing advantages, the related art applies blockchain techniques to the context of money transfers to enable money transfers between money transfer institutions through on-chain asset transfers to ensure the reliability of the money transfer process.

However, in the related art, money transfers between money transfer institutions are typically accomplished in a custody manner. This approach requires the money transfer organization to send a certain amount of the down-link assets as the amortization assets to the asset issuer in advance so that the asset issuer can issue a corresponding amount of the up-link assets in the blockchain system according to the amount of the amortization assets for the money transfer organization to use for the money transfer. It is understood that this method not only involves the reconciliation of the chain assets and the chain assets, but also causes the remittance organization not enough to fund the chain assets because of the strong liquidity of the remittance organization funds, thereby causing the problem that the remittance operation can not be performed.

Disclosure of Invention

One or more embodiments of the present disclosure provide a method and apparatus for money transfer based on a blockchain system.

To achieve the above object, one or more embodiments of the present disclosure provide the following technical solutions:

according to a first aspect of one or more embodiments herein, there is provided a method of money transfer based on a blockchain system, comprising:

an asset issuer issues balance assets to be allocated and liability assets to be allocated in a blockchain system, wherein the amounts of the balance assets to be allocated and the liability assets to be allocated are equal;

the asset issuer distributes the balance assets to be distributed and the liability assets to be distributed which do not exceed the credit line of the first remittance organization to the first blockchain account corresponding to the first remittance organization to be used as the available balance assets and the available liability assets corresponding to the first remittance organization, wherein the amount of the available balance assets and the amount of the available liability assets are equal;

the first money transfer organization sends a money transfer transaction instructing a second money transfer organization to transfer money to the blockchain system, so that the blockchain system transfers available balance assets in the first blockchain account, which are equal to the amount instructed in the money transfer transaction, to a second blockchain account corresponding to the second money transfer organization.

According to a second aspect of one or more embodiments herein, there is provided a method of money transfer based on a blockchain system, comprising:

the method comprises the following steps that an asset issuer issues balance assets to be distributed and liability assets to be distributed in a block chain system according to the bedding assets of a first remittance organization on the asset issuer and credit lines of the first remittance organization; wherein the balance assets to be distributed are equal to the sum of the bedding assets and the credit line, and the liability assets to be distributed are equal to the credit line;

the asset issuer distributes a first amount of balance assets to be distributed and a second amount of liability assets to be distributed to a first blockchain account corresponding to a first remittance organization to be respectively used as available liability assets and available balance assets corresponding to the first remittance organization, wherein the first amount is not more than the sum, and the second amount is not more than the credit line;

According to a third aspect of one or more embodiments of the present disclosure, there is provided a money transfer method based on a blockchain system, applied to a blockchain node, including:

under the condition that an asset issuing transaction initiated by an asset issuer is received, issuing balance assets to be distributed and liability assets to be distributed in a block chain system to which the balance assets to be distributed and the liability assets to be distributed have equal amounts;

according to the asset credit granting transaction initiated by the asset issuer under the condition of receiving an asset credit granting request sent by a first money transfer organization, allocating the balance assets to be allocated and the liability assets to be allocated which do not exceed the credit line of the first money transfer organization into a first block chain account corresponding to the first money transfer organization to serve as available balance assets and available liability assets corresponding to the first money transfer organization, wherein the amount of the available balance assets and the amount of the available liability assets are equal;

upon receiving a money transfer transaction initiated by a first money transfer organization instructing a money transfer to a second money transfer organization, transferring an available balance asset in a first blockchain account equal to an amount indicated in the money transfer transaction to a second blockchain account corresponding to the second money transfer organization.

According to a fourth aspect of one or more embodiments herein, there is provided a method for money transfer based on a blockchain system, applied to a blockchain node, including:

under the condition of receiving an asset issuing transaction initiated by an asset issuer, issuing balance assets to be distributed and liability assets to be distributed in a block chain system according to the amount of the underlying assets of a first remittance organization at the asset issuer and the credit line of the first remittance organization in the asset issuing transaction; the balance assets to be distributed are equal to the sum of the amount of the cushion assets and the credit line, and the liability assets to be distributed are equal to the credit line;

according to the asset credit granting transaction initiated by the asset issuer under the condition of receiving an asset credit granting request sent by a first money transfer organization, allocating a first amount of balance assets to be allocated and a second amount of liability assets to be allocated to a first block chain account corresponding to the first money transfer organization to be respectively used as available balance assets and available liability assets corresponding to the first money transfer organization, wherein the first amount is not more than the sum, and the second amount is not more than the credit line;

According to a fifth aspect of one or more embodiments herein, there is provided a money transfer apparatus based on a blockchain system, applied to a blockchain node, comprising:

the system comprises an issuing unit, a balance resource allocation unit and a liability resource allocation unit, wherein the issuing unit issues a balance resource to be allocated and a liability resource to be allocated in a block chain system under the condition that an asset issuing transaction initiated by an asset issuer is received, and the amounts of the balance resource to be allocated and the liability resource to be allocated are equal;

the credit granting unit is used for allocating balance assets to be allocated and liability assets to be allocated which do not exceed the credit granting amount of the first remittance organization into a first block chain account corresponding to the first remittance organization according to the asset credit granting transaction initiated by the asset issuer under the condition of receiving an asset credit granting request sent by the first remittance organization, wherein the balance assets to be allocated and the liability assets to be allocated are used as available balance assets and available liability assets corresponding to the first remittance organization, and the amount of the available balance assets and the amount of the available liability assets are equal;

and the remittance unit transfers the available balance assets, which are equal to the amount indicated in the remittance transaction, in the first blockchain account to a second blockchain account corresponding to a second remittance organization under the condition of receiving the remittance transaction initiated by the first remittance organization and used for indicating remittance to the second remittance organization.

According to a sixth aspect of one or more embodiments herein, there is provided a money transfer apparatus based on a blockchain system, applied to a blockchain node, comprising:

the system comprises an issuing unit, a block chain system and a data processing unit, wherein the issuing unit issues balance assets to be distributed and liability assets to be distributed in the block chain system according to the amount of the capital assets of a first remittance organization at an asset issuer and the credit line of the first remittance organization in the asset issuance transaction when receiving the asset issuance transaction initiated by the asset issuer; the balance assets to be distributed are equal to the sum of the amount of the cushion assets and the credit line, and the liability assets to be distributed are equal to the credit line;

the credit granting unit is used for allocating a first amount of balance assets to be allocated and a second amount of debt assets to be allocated to a first block chain account corresponding to a first remittance organization according to the asset credit granting transaction initiated by the asset issuer under the condition that the asset credit granting request sent by the first remittance organization is received, so as to be used as available balance assets and available debt assets corresponding to the first remittance organization respectively, wherein the first amount is not more than the sum, and the second amount is not more than the credit granting amount;

According to a seventh aspect of one or more embodiments of the present specification, there is provided an electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any one of the third and fourth aspects by executing the executable instructions.

According to an eighth aspect of one or more embodiments of the present specification, there is provided a computer-readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the method according to any one of the third and fourth aspects.

Drawings

Fig. 1 is a schematic diagram of a money transfer method implemented based on a funding approach according to an example embodiment.

Fig. 2 is a flow chart of a method of money transfer based on a blockchain system in accordance with an exemplary embodiment.

Fig. 3 is a flow chart of a money transfer method applied to a blockchain node according to an exemplary embodiment.

Fig. 4 is an interaction diagram of a method of money transfer based on a blockchain system in accordance with an exemplary embodiment.

Fig. 5 is a flow chart of another method of block-chain system based money transfer provided by an exemplary embodiment.

Fig. 6 is a flow chart of another method of money transfer as applied to a blockchain node provided by an exemplary embodiment.

Fig. 7 is an interaction diagram of another method of money transfer based on a blockchain system in accordance with an exemplary embodiment.

Fig. 8 is a schematic structural diagram of an apparatus according to an exemplary embodiment.

Fig. 9 is a block diagram of a money transfer device based on a blockchain system in accordance with an exemplary embodiment.

Fig. 10 is a block diagram of another money transfer device based on a blockchain system provided by an exemplary embodiment.

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.

Remittance, also called "remittance", is one of international settlement payment methods, and refers to: the payer can actively remit the money to the payee through a third party (such as a bank) using various settlement tools. The business processing mode involves the personal interests of all parties, so the reliability requirement on the processing process is high.

The block chain technology (also called as distributed ledger technology) is a decentralized distributed database technology, has the characteristics of decentralization, openness and transparency, no tampering, trustiness and the like, and is suitable for application scenes with high requirements on data reliability.

Accordingly, the related art applies blockchain techniques to the context of money transfers to enable money transfers between money transfer institutions through the transfer of assets on the chain, thereby ensuring the reliability of the money transfer process. However, in the related art, asset transfers between money transfer institutions are typically accomplished by bedding. The specific process can refer to fig. 1:

as shown in fig. 1, first money transfer organization a needs to preferentially send a certain number of down-link assets to asset issuer C, such as a bank, so that asset issuer a can issue a corresponding number of on-link assets in blockchain system X based on the down-link assets, which are recorded in first blockchain account a corresponding to first money transfer organization a, the process corresponding to steps (r) and (r) of fig. 1, i.e., the steps of funding and asset issuance. On this basis, when the user 1 needs to send money to the user 2 through the first money transfer organization a, it can send a money transfer request to the first money transfer organization a, so that the first money transfer organization a sends a corresponding money transfer transaction to the blockchain system X, and after receiving the money transfer transaction, the blockchain system X can transfer the corresponding on-chain assets in the first blockchain account a to the second blockchain account B of the second money transfer organization B corresponding to the user 2, and the process can correspond to the steps of the third step and the fourth step in fig. 1. The second money transfer organization may further exchange the on-link assets in the second blockchain account b for the off-link assets, and then deliver the presented off-link assets to the user 2, which may correspond to steps # and # in fig. 1.

As can be seen from the above description, money transfers between first money transfer organization a and second money transfer organization B can be accomplished by way of bedding.

However, it is readily apparent that there are a number of disadvantages in implementing money transfers by funding, specifically as follows:

(1) the need to preferentially transfer the down-link assets results in more preparation work for the money transfer (e.g., involving authentication, down-link asset handling, etc.), which reduces the efficiency of the money transfer.

(2) The corresponding down-link assets are needed for the money transfer, and the down-link assets of the money transfer organization have strong liquidity, so that enough down-link assets cannot be reserved for the distribution of the up-link assets, and the money transfer cannot be carried out.

(3) Because the asset issuer stores the bedding assets corresponding to the on-chain assets, the reconciliation of the on-chain assets with the off-chain assets is involved to avoid the situation where the on-chain assets are not equal to the off-chain assets.

In view of the above disadvantages of the funding method, the present specification proposes a money transfer method based on asset credit to solve the above problems in the funding method.

Fig. 2 is a flow chart of a method of money transfer based on a blockchain system in accordance with an exemplary embodiment of the present disclosure. The method may comprise the steps of:

step 202, an asset issuer issues balance assets to be allocated and liability assets to be allocated in a blockchain system, wherein the amounts of the balance assets to be allocated and the liability assets to be allocated are equal.

As can be seen from the above, in the related art, remittance based on the blockchain system is realized by means of funding. It causes problems such as inefficient money transfer, inability to perform money transfer operations, etc. because it requires advance funding of assets in the distribution chain; meanwhile, the bedding assets are stored at the asset issuer in a bedding manner, and all the on-chain assets issued on the chain are balance assets, so that the reconciliation problem of the on-chain assets and the off-chain assets is also involved in the related technology in order to avoid the condition that the on-chain assets and the off-chain assets are not equal.

In view of this, the present specification does not implement remittance based on the blockchain system by using a funding method, but implements remittance by using a credit method. Specifically, the asset issuer may issue equal amounts of balance assets to be allocated and balance assets to be allocated in the blockchain system, and the issued balance assets to be allocated and balance assets to be allocated may be allocated to the blockchain account corresponding to the money transfer organization according to the credit condition of the money transfer organization, so as to serve as the available balance assets and available balance assets corresponding to the money transfer organization. Wherein the available balance assets are used to complete money transfer operations when money transfer is required, and the available liability assets are used to record the offline assets that the money transfer organization requires to pay.

It should be understood that, as the present description discloses on-chain assets distributed in a blockchain system, the following include: the equal amount of the debt assets to be distributed and the balance assets to be distributed enables the total amount of the chain assets issued in the block chain system in the specification to be 0, so that the money transfer organization does not need to carry out money transfer at the asset issuer, and the problems of low money transfer efficiency and incapability of money transfer caused by the fact that the money transfer organization needs to carry out the money transfer in advance in the related art are solved. Accordingly, since the total amount of the issued on-chain assets is 0, the off-chain assets corresponding to the on-chain assets do not exist at the asset issuer, and thus, the reconciliation problem between the on-chain assets and the off-chain assets is not involved.

Further, the asset issuer in this specification allocates the balance assets to be allocated and the liability assets to be allocated to the blockchain account corresponding to the remittance organization according to the credit granting condition of the remittance organization. This process is equivalent to pre-delivering a corresponding amount of the chain assets to the money transfer organization for money transfer based on the trust level of the asset issuer to the money transfer organization, and then in a subsequent process (e.g., when the money transfer organization has sufficient funds) the money transfer organization reimburses the available liability assets recorded in its blockchain account. In actual operation, the asset issuer may determine the credit line of the remittance organization in advance, and when the balance assets to be distributed and the liability assets to be distributed are distributed to the account corresponding to the remittance organization, it is ensured that the amount of the distributed assets does not exceed the credit line. Thus, the present specification ensures that the chain assets assigned to the remittance organization do not exceed their repayment capabilities, thereby avoiding the problem that the remittance organization cannot reimburse because the remittance amount for which the remittance organization is responsible is too high.

Step 204, the asset issuer distributes the balance assets to be distributed and the liability assets to be distributed which do not exceed the credit line of the first remittance organization to the first blockchain account corresponding to the first remittance organization to serve as the available balance assets and the available liability assets corresponding to the first remittance organization, wherein the amount of the available balance assets and the amount of the available liability assets are equal.

Before the technical scheme of the specification is introduced, the naming mode of the specification is explained firstly: in this description, the money transfer organization that initiated the money transfer is referred to as the first money transfer organization; the money transfer organization receiving the money transfer is referred to as a second money transfer organization; the object responsible for issuing the in-chain asset for money transfer is referred to as the asset issuer and may be any type of entity that can issue the in-chain asset, such as a bank.

In this specification, an asset issuer may issue assets in a chain in different ways depending on the actual needs.

In one embodiment, the asset issuer may issue balance assets to be distributed and liability assets to be distributed equal to the credit line in the blockchain system according to the credit line of the first remittance organization, and the issued balance assets to be distributed and liability assets to be distributed may be distributed only to the first blockchain account corresponding to the first remittance organization. In practice, the asset issuer may perform a risk assessment of the first money transfer organization in advance to determine the amount of credit corresponding to the first money transfer organization based on the assessment. It should be understood that the present embodiment corresponds to the asset issuer issuing "a chain asset specific to a first money transfer organization" for the first money transfer organization to use for money transfers to other money transfer organizations.

In one aspect of this embodiment, the above-described on-chain assets specific to the first money transfer organization may be recorded in the first blockchain account associated with the first money transfer organization upon completion of the issuance. It will be understood that this case corresponds to directly distributing all of the "balance asset to be distributed" and the "balance asset to be distributed" to the first money transfer organization after completing the distribution of the "balance asset to be distributed" and the "balance asset to be distributed".

In another case of this embodiment, the above-mentioned property in the chain dedicated to the first money transfer organization may not be recorded in the first blockchain account after completing the issue, for example, may be recorded in the third blockchain account corresponding to the property issuer or in another predetermined blockchain account. Then, when the asset issuer receives the asset credit granting request sent by the first money transfer organization, the balance assets to be distributed and the liability assets to be distributed which are equal to the asset amount are transferred to the first blockchain account according to the asset amount specified in the request. In this case, the balance assets to be distributed and the liability assets to be distributed issued above may be considered the total amount of the on-chain assets available to the first money transfer organization for money transfers; balance assets to be allocated and liability assets to be allocated to the first blockchain account based on the asset credit request may be considered as on-chain assets required by the first money transfer organization for money transfer at a certain time period. For example, assuming that the asset issuer issued an amount of on-chain assets in the blockchain system based on the credit line of the first money transfer organization is 2000, the first money transfer organization may send an asset credit request to the asset issuer for 500 amounts of assets per day to cause the asset issuer to instruct the blockchain system to transfer 500 amounts of balance assets to be distributed and debt assets to be distributed to the first blockchain account by initiating a credit transaction to the blockchain system. Of course, in practical applications, the process of crediting the asset may also be actively initiated by the asset issuer, rather than being passively performed under the instruction of the first remittance organization, for example, the asset issuer may actively send an asset crediting transaction to the blockchain system according to a preset time period to instruct the blockchain system to transfer the corresponding amount of balance assets to be allocated and balance assets to be allocated to the first blockchain account.

In another embodiment, the in-chain assets issued by an asset issuer may not be owned by any money transfer organization. In other words, balance assets to be distributed and liability assets to be distributed, issued by an asset issuer in a blockchain system, may be distributed to blockchain accounts corresponding to any money transfer organization.

Similar to the previous embodiment, the asset issuer in this embodiment may transfer the balance asset to be distributed and the liability asset to be distributed, which are equal to the amount of the asset, to the first blockchain account according to the amount of the asset specified in the request when receiving the asset credit request sent by the first money transfer organization. Specifically, the asset issuer may send an asset credit transaction to the blockchain system, and instruct the blockchain system to transfer the balance assets to be allocated and the liability assets to be allocated with corresponding amounts to the first blockchain account. Of course, the process of asset trust authorization may also be initiated by the asset issuer actively, and the specific operation manner is similar to that in the previous embodiment, and is not described herein again.

It will be appreciated that the two asset distribution modes described in the two embodiments above have respective advantages. Wherein, the asset issuer in the former can independently issue the assets on the chain for each remittance organization, thereby realizing the special purpose of special money and facilitating the follow-up tracing; the asset issuer in the latter issues the assets on the chain for each remittance organization in a unified way, and the chain assets issued once can be used by a plurality of remittance organizations simultaneously, thereby reducing the issuing times on one hand, and avoiding the problem that the former is difficult to manage as the assets on the chain are issued for each remittance organization individually on the other hand.

Step 206, the first money transfer organization sends a money transfer transaction to the blockchain system instructing a second money transfer organization to transfer the money transfer transaction to the blockchain system, so that the blockchain system transfers the available balance assets in the first blockchain account, which are equal to the amount indicated in the money transfer transaction, to a second blockchain account corresponding to the second money transfer organization.

In this description, after completing the foregoing asset issuance and asset crediting process (i.e., transferring the on-chain asset to the first blockchain account under the direction of the asset issuer), the first money transfer organization may then transfer money based on the on-chain asset in the first blockchain account.

In practice, the first money transfer organization may initiate a money transfer transaction to the blockchain system at the direction of the user, such that the blockchain system transfers the available balance assets in the first blockchain account equal to the money transfer amount to a second blockchain account corresponding to the second money transfer organization according to the money transfer amount contained in the money transfer transaction.

It should be understood that after completion of the on-chain asset transfer operation, the off-chain assets of both the first and second money transfer institutions do not change, but the total on-chain assets of the first money transfer institution in the blockchain system is "available liability assets equal to the remittance amount" and the total on-chain assets of the second money transfer institution in the blockchain system is "available balance assets equal to the remittance amount". In other words, the total assets of the first money transfer organization (including the on-chain assets and the off-chain assets) are reduced by an amount equal to the money transfer amount, and the total assets of the second money transfer organization (including the on-chain assets and the off-chain assets) are increased by an amount equal to the money transfer amount. It can be seen that after the above-described asset transfer operation is completed, the money transfer from the first money transfer organization to the second money transfer organization has been completed.

In this specification, the process of crediting the assets corresponds to the first money transfer organization exchanging its own credit for the on-chain assets, and the available liability assets recorded in the first blockchain account are the off-chain assets for recording the required repayment of the first money transfer organization after exchanging the on-chain assets. Accordingly, the present description may also include the act of the first money transfer organization making a payment to the asset issuer.

In practice, the first remittance organization may send the off-chain assets for repayment to the asset issuer, and upon receiving the off-chain assets, the asset issuer may generate a corresponding payment transaction and send the transaction to the blockchain system to instruct the blockchain system to deduct available liability assets equal to the off-chain assets from the first blockchain account. It is understood that, in this way, the first remittance organization can timely pay the asset issuer according to the condition of the own fund flow, and further guarantee the credit of the first remittance organization at the asset issuer to keep the long-term cooperation of the first remittance organization and the asset issuer.

In this description, the asset issuer assists the first money transfer organization in effecting a blockchain system-based money transfer operation, and therefore, the asset issuer may also receive certain interest from the first money transfer organization. Specifically, after the balance assets to be distributed and the liability assets to be distributed are distributed to the first blockchain system, the blockchain system may calculate the liability interest corresponding to the available liability assets at different times according to the amount of the available liability assets recorded in the first blockchain account and the duration of the available liability assets recorded. Wherein the debt interest is positively correlated with the duration and the amount of the available debt assets. For example, after receiving available balance assets and available liability assets at the first blockchain account, the blockchain system may calculate the liability interest for the day at a particular time of day based on the amount of available liability assets and the number of days from the day that the available liability assets were received at the first blockchain account until the day.

Accordingly, when the blockchain system receives a repayment transaction, the debt interest corresponding to the available debt asset at the repayment time can be calculated based on the time when the first blockchain account receives the available debt asset and the repayment time when the blockchain system receives the repayment transaction, and the debt interest is recorded in the first blockchain account, so that the first remittance institution needs to pay the amount of the debt interest equal to the amount of the debt interest in addition to the repayment of the available debt asset to the asset issuer to serve as the interest paid to the asset issuer.

It should be understood that if the liability interest is recorded in only the first blockchain account, the total assets recorded in the blockchain system are obviously no longer 0, but the under-chain assets of the asset issuer are still 0, which obviously violates the on-chain asset issuance principle (the principle that the amounts of the on-chain assets and the under-chain assets should be equal). Therefore, in this specification, the asset issuer needs to further issue interest assets with the same amount as the debt interest in the blockchain system, and since the asset type of the debt interest belongs to the debt asset and the asset type of the interest assets belongs to the balance asset, after the interest assets are issued, the total assets on the chain are still 0, which conforms to the issuing principle of the assets on the chain. It is to be noted that the interest asset can be regarded as an asset on the asset issuer maintenance chain and as a reward for assisting the first money transfer organization in money transfer, and therefore, the issued interest asset is attributed to the asset issuer and recorded in the third blockchain account corresponding to the asset issuer. It is stated that the asset interest can either be reissued upon receipt of an indication from the asset issuer or actively issued by the blockchain system after the liability interest is calculated.

In this description, after transferring a balance asset equal to the amount of the asset in the money transfer transaction to the second blockchain account, the corresponding amount of balance asset is recorded in the second blockchain account. In other words, the second money transfer organization's chain of assets is populated after the asset transfer operation is completed. On this basis, the present specification may further include a process of exchanging an on-chain asset for an off-chain asset.

In one embodiment, the asset issuer may actively transfer a quantity of the off-chain assets equal to the quantity of assets contained in the money transfer transaction to the second money transfer organization after completing the on-chain asset transfer, while instructing the blockchain system to deduct a corresponding quantity of available balance assets from the second blockchain account by initiating an asset redemption transaction to the blockchain system.

In this embodiment, this corresponds to exchanging the in-chain asset for the down-chain asset in the second blockchain account by default. The total off-chain assets of the asset issuer may also be considered a liability condition, since the asset issuer sends a corresponding amount of the total off-chain assets to the second money transfer organization, and this value is consistent with the liability value of the total on-chain assets. It can be seen that after the asset exchange is completed, the values of the total assets on the chain and the total assets under the chain are still consistent, and the distribution principle of the assets on the chain is met.

In another embodiment, whether to swap an on-chain asset for an off-chain asset may be determined by the second money transfer organization. When the second remittance organization needs to exchange the on-chain assets into the off-chain assets, asset exchange transactions can be initiated to the blockchain system; after receiving the asset exchange transaction, the blockchain system deducts available balance assets in the second blockchain system, the available balance assets being equal to the exchange amount indicated by the asset exchange transaction, and further sends exchange instructions to the asset issuer so that the asset issuer remits a corresponding amount of the linked assets to a second remittance organization.

Of course, in this embodiment, the asset redemption transaction may also be initiated by the asset issuer. Specifically, when the second money transfer organization needs to exchange the on-chain assets for the off-chain assets, an asset exchange request may be sent to the asset issuer; after receiving the asset exchange request, the asset issuer can generate a corresponding asset exchange transaction and send the corresponding asset exchange transaction to the blockchain system so as to instruct the blockchain system to deduct available balance assets with the same exchange amount as the exchange amount indicated in the asset exchange transaction from the second blockchain account; accordingly, the asset issuer, upon receiving the asset redemption request, may also send the linked asset equal to the redemption amount to a second money transfer organization to complete the entire asset redemption process.

It should be noted that the blockchain system in this specification may include only a single blockchain network, or may include a plurality of blockchain networks. The blockchain system can adopt a traditional blockchain architecture, that is, all nodes in the blockchain system are formed by deploying blockchain codes on corresponding physical devices, and in most cases, each node corresponds to one physical device; the block chain system may also adopt a baas (block chain as a service) architecture in a block chain technology, that is, all nodes in a block chain network are formed by deploying block chain codes on a virtual machine implemented in a cloud through a cloud service, and block chain nodes do not need to correspond to corresponding physical devices one by one.

In addition, it should be emphasized that the Money Transfer organization in this specification may be any type of MTO (Money Transfer Operator), i.e., an enterprise or organization that has obtained approval from a related organization and that provides asset Transfer services. Of course, the present description is not intended to be limited to the specific forms thereof, but may be determined by those skilled in the art in view of the actual circumstances.

According to the technical scheme, the asset issuer in the specification enables the total amount of the assets on the chain issued by the asset issuer to be 0 by simultaneously issuing the assets on two chains of the balance assets to be allocated and the liability assets to be allocated in the blockchain system, so that the condition that a money transfer organization has to fill up the assets at the asset issuer when the blockchain assets are issued by the related technology is avoided, and the conditions that the money transfer efficiency is low and the money transfer cannot be performed due to the filling up of the assets are further avoided. Meanwhile, as the asset issuer does not store any bedding assets and the total amount of the assets in the chain is 0, the technical scheme of the specification does not relate to the account checking problem of the block chain assets.

Further, when the issued chain assets are distributed to the blockchain accounts corresponding to the remittance organization, the chain assets are distributed according to the credit granting condition of the remittance organization, so that the amount of the balance assets to be distributed and the amount of the liability assets to be distributed which are distributed to the blockchain accounts corresponding to the remittance organization cannot exceed the credit granting amount of the remittance organization. It should be understood that the credit line is equivalent to an evaluation of the remittance issuer's repayment ability by the asset issuer, and since the amounts of the balance assets to be distributed and the liability assets to be distributed allocated to the blockchain account of the remittance issuer do not exceed the value, it is obvious that the remittance issuer can be guaranteed to have the ability to pay back the down-link assets required for issuing the distributed on-link assets, thereby guaranteeing that the benefit of the asset issuer is not lost.

Still further, the blockchain system may also calculate the interest of the liability corresponding to the first remittance organization at different times after the first remittance organization distributes the on-chain assets, and record the interest of the liability in the first blockchain account corresponding to the first remittance organization; correspondingly, the interest assets with the same amount as the debt interest can be issued in the blockchain system, and the interest assets are recorded in a third blockchain account corresponding to the asset issuer. It will be appreciated that since the asset type of interest assets is balance assets, the asset type of interest bearing assets is balance assets, and the two are equal in amount, the total assets on the chain in the blockchain system remains 0, consistent with the amount of assets off the chain in the issuer of the assets. Therefore, by generating the debt interest and issuing the interest assets, the asset sender can obtain the assets on the maintenance chain and assist the first remittance organization to realize the remittance payment due on the basis of ensuring that the principle of issuing the assets on the chain is not violated.

In addition to introducing a chain remittance method based on credit from the whole interactive process, the present specification also discloses a chain remittance method applied to a block chain node. It should be noted that the technical solution of the next embodiment is consistent with the technical solution shown in fig. 2, and the technical solution of the present specification is described only from the perspective of the block chain node. Therefore, in the following embodiments, similar contents will not be described in detail, and the specific operation manner can refer to the description of fig. 2.

Fig. 3 is a flow chart illustrating a method of money transfer as applied to a blockchain node in an exemplary embodiment of the present description. The method may comprise the steps of:

step 302, under the condition that an asset issuing transaction initiated by an asset issuer is received, issuing balance assets to be allocated and liability assets to be allocated in the affiliated blockchain system, wherein the amounts of the balance assets to be allocated and the liability assets to be allocated are equal.

As described above, asset issuers may issue assets in a chain in different ways depending on the actual needs. In one embodiment, the blockchain link point may issue, in a blockchain system, balance assets to be allocated and liability assets to be allocated, which are respectively equal to credit lines of a first remittance organization included in an asset issuance transaction, according to the credit lines of the first remittance organization when receiving the asset issuance transaction initiated by the asset issuer, where the balance assets to be allocated and the liability assets to be allocated can only be allocated to a first blockchain account corresponding to the first remittance organization. In another embodiment, upon receiving an asset issuance transaction initiated by an asset issuer, the blockchain nodes may issue balance assets to be allocated and liability assets to be allocated, which are respectively equal to the issuance amount, in the belonging blockchain system according to the issuance amount included in the asset issuance transaction, and the balance assets to be allocated and liability assets to be allocated may be allocated to the blockchain account corresponding to any remittance organization.

Step 304, according to the asset credit transaction initiated by the asset issuer under the condition of receiving the asset credit request sent by the first remittance organization, allocating the balance assets to be allocated and the liability assets to be allocated which do not exceed the credit line of the first remittance organization into the first blockchain account corresponding to the first remittance organization, so as to be used as the available balance assets and the available liability assets corresponding to the first remittance organization, wherein the amounts of the available balance assets and the available liability assets are equal.

As described above, after the chain of assets is issued, the balance assets to be distributed and the balance assets to be distributed, which do not exceed the credit line of the first money transfer organization, may be distributed to the first blockchain account corresponding to the first money transfer organization. Specifically, the amount allocated may be determined by the first money transfer organization, for example, the first money transfer organization may enable the asset issuer to generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer, and send the transaction to the block link node; and when the block chain link point receives the asset credit transaction, the balance assets to be distributed and the liability assets to be distributed which are equal to the amount of the assets contained in the asset credit transaction can be transferred into the first block chain account. Wherein the asset amount does not exceed the credit line of the first money transfer organization.

Step 306, upon receiving a money transfer transaction initiated by the first money transfer organization instructing a money transfer to a second money transfer organization, transfers an available balance asset in the first blockchain account equal to the amount indicated in the money transfer transaction to a second blockchain account corresponding to the second money transfer organization.

As described above, after asset issuance and asset crediting is complete, money transfers may be made based on the available balance assets recorded in the first blockchain account. Specifically, the first money transfer organization may initiate a money transfer transaction to the blockchain point under the direction of the user, so that the blockchain point transfers the available balance assets equal to the money transfer amount in the first blockchain account to a second blockchain account corresponding to the second money transfer organization according to the money transfer amount contained in the money transfer transaction.

As described above, the first money transfer organization may, when there are sufficient linked assets, send the linked assets to the asset issuer for repayment; after the asset issuer receives the down-link assets, the corresponding repayment transaction can be generated and sent to the block link node; the blockchain node may deduct available liability assets equal to the off-chain assets from the first blockchain account based on the received repayment transaction.

As described above, the block link point may further calculate the liability interest corresponding to the available liability asset at the payment time based on the time when the available liability asset is received by the first block link account and the payment time when the block link point receives the payment transaction, and record the liability interest in the first block link account; accordingly, the blockchain link points can also issue interest assets belonging to the asset issuer in the belonging blockchain system, the amount of the interest assets is equal to the liability interest, and the interest assets are recorded in the third blockchain account corresponding to the asset issuer.

As described above, the assets in the second blockchain account may also be redeemed for the down-chain assets after the money transfer is completed. In one embodiment, the available balance assets in the second blockchain account may be redeemed for the down-link assets by default, e.g., the asset issuer may send the asset redemption transaction to the blockchain node after remitting an amount of the down-link asset equal to the amount indicated in the remittance transaction to the second remittance organization; and the blockchain link points may deduct a corresponding amount of available balance assets from the second blockchain account based on the asset redemption transaction. In another embodiment, whether to redeem an on-chain asset for an off-chain asset may be determined by a second money transfer organization, e.g., the second money transfer organization may initiate an asset redemption transaction to a blockchain node, and the blockchain node, upon receiving the asset redemption transaction, may deduct a balance asset equal to the redemption amount indicated by the asset redemption transaction in a second blockchain account and send a redemption indication to the asset issuer to cause the asset issuer to remit a corresponding amount of the off-chain asset to the second money transfer organization; for another example, the second money transfer organization may send an asset exchange request to the asset issuer to cause the asset issuer to initiate a corresponding asset exchange transaction to the blockchain node, on which basis the blockchain node may deduct available balance assets in the second blockchain account that are equal to the exchange amount indicated in the asset exchange transaction; it is noted that the asset redemption request sent to the asset issuer is also used to instruct the asset issuer to remit the linked asset to the second money transfer organization in an amount equal to the redemption amount described above.

According to the technical scheme, the asset issuer in the specification enables the total amount of the assets on the chain issued by the asset issuer to be 0 by simultaneously issuing the assets on two chains of the balance assets to be allocated and the liability assets to be allocated in the blockchain system, so that the condition that a money transfer organization has to fill up the assets at the asset issuer when the blockchain assets are issued by the related technology is avoided, and the condition that the money transfer efficiency is low and the money transfer cannot be performed due to the filling up of the assets is further avoided.

The process of effecting a money transfer by a method of authorization only will now be described, taking as an example the money transfer organization a transferring money to the money transfer organization B.

Fig. 4 is an interaction diagram illustrating a method of money transfer based on a blockchain system in an exemplary embodiment of the present description. The method may comprise the steps of:

at step 401, the asset issuer C performs a risk assessment with money transfer organization A.

In this embodiment, the asset issuer C may perform a risk assessment on the remittance organization a in advance to obtain the credit line of the remittance organization a.

In practice, the asset issuer C may make a risk assessment based on the data provided by money transfer organization A. Of course, the asset issuer C may also obtain the data related to the remittance organization a from a third party data provider in order to avoid the situation that the remittance organization a falsifies the data to increase its own credit line. Such related data may include data for multiple dimensions related to money transfer organization A, such as, for example, reputation data, historical money transfer records, and the like.

Step 402, the asset issuer C generates an asset issuance transaction based on the assessed credit line.

In this embodiment, after the asset issuer C completes the risk assessment, a corresponding asset issuance transaction is generated to issue the on-chain asset in blockchain system X.

In step 403, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.

In step 404, the blockchain system X issues equal amounts of balance assets to be allocated and liability assets to be allocated according to the credit line in the asset issuance transaction.

For example, assuming that the credit line obtained by the risk assessment in step 401 is 2000, in this step, the blockchain system X may issue the balance assets to be distributed with the amount of 2000 and the liability assets to be distributed with the amount of 2000.

In this embodiment, both the balance assets to be distributed and the liability assets to be distributed issued can be distributed only to the blockchain account a corresponding to the remittance organization a, but the asset distribution operation is executed only when the asset credit transaction is received. Before an asset credit transaction is not received, the issued blockchain transaction may be recorded in the blockchain account C corresponding to the asset issuer C. At this time, the assets recorded in each blockchain account are as follows in table 1:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	0	0
Money transfer organization B	Account b	0	0
				Asset issuer C	Account c	2000	2000

TABLE 1

At step 405, money transfer organization A sends a request for asset credit to asset issuer C.

In this embodiment, the money transfer organization a may cause the asset issuer C to generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer C, and send the asset credit transaction to the blockchain system X. On the basis, the block chain system X can carry out asset allocation according to the credit granting amount indicated in the asset credit granting transaction.

Step 406, the asset issuer C generates an asset credit transaction based on the credit amount contained in the asset credit request.

In step 407, the asset issuer C sends the generated asset credit transaction to the blockchain system X.

Step 408, the blockchain system X allocates the corresponding amount of balance assets to be allocated and balance assets to be allocated to the blockchain account a corresponding to the remittance organization a according to the credit amount included in the asset credit transaction, so as to serve as available balance assets and available balance assets of the remittance organization a.

In this embodiment, the amount of credit included in the asset credit transaction is not greater than the credit limit of the money transfer organization A. In other words, in the above example, the credit amount should not be greater than 2000.

For the above example, assuming the credit amount is 500, then in this step blockchain system X may transfer the amount of 500 liability assets and the amount of 500 balance assets to blockchain account a of remittance organization a so that remittance organization a has enough on-chain assets for remittance. After the asset transfer is completed, the asset status recorded in each blockchain account is shown in table 2:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	500	500
Money transfer organization B	Account b	0	0
				Asset issuer C	Account c	1500	1500

TABLE 2

It should be noted that, in this embodiment, only "performing asset authorization based on an asset authorization request initiated by a remittance organization" is taken as an example for description, in actual operation, the asset issuer C may also actively perform asset authorization for the remittance organization a, for example, the asset issuer C may send an asset authorization transaction to the blockchain system according to a preset time period (e.g., every day) to complete the distribution of the assets on the chain.

At step 409, money transfer organization A sends a money transfer transaction to blockchain system X.

It will be understood that steps 401-408 have not entered the money transfer phase, but are instead prepared prior to making the money transfer. After the preparation is completed, money transfer operations may be performed as needed.

In practice, the operations performed by money transfer organization a are usually performed under the direction of the user, for example, when user 1 needs to send money to user 2, it sends a money transfer request to money transfer organization a, so that money transfer organization a generates a corresponding money transfer transaction and sends the transaction to blockchain system X, so as to instruct blockchain system X to transfer money.

At step 410, blockchain system X transfers the available balance assets in blockchain account a equal to the amount indicated for the money transfer transaction to blockchain account b.

In this embodiment, the blockchain system X may perform asset transfer according to the information in the money transfer transaction after receiving the money transfer transaction. For example, the money transfer transaction includes information such as the amount of the money transfer, and the money transfer subject.

Taking the example above, assume that the money transfer object is money transfer organization B for user 2 and the money transfer amount is 200. Then, the blockchain system X may transfer the balance assets in the amount of 200 from blockchain account a to the corresponding blockchain account B of remittance organization B. After the transfer is completed, the assets recorded in each blockchain account are as follows in table 3:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	300	500
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1500	1500

TABLE 3

At step 411, the blockchain system X calculates the liability interest of the remittance organization A based on the payment time.

In this embodiment, the liability interest of remittance organization a may be further calculated and recorded in blockchain account a. Assuming an interest rate of 1%/day, the current day is 3 days after the asset was credited (i.e., the length of liability is 2 days). Then the calculated liability interest is: 500 x 2 x 1% ═ 10. At this time, the assets recorded in each blockchain account are as follows in table 4:

TABLE 4

Of course, table 4 is merely presented as an example of "recording debt interest individually", and in actual operation, since the type of the debt interest asset belongs to the debt asset, one of them may also be recorded as a debt asset, in which case: the asset records for each blockchain account may be as follows in table 5:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	300	510
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1500	1500

TABLE 5

In step 412, the blockchain system issues interest assets of the amount equal to the liabilities and the like, and records the interest assets in the third blockchain account corresponding to the asset issuer.

It should be understood that neither the total assets on the chain recorded in table 4 or table 5 are 0, while the total assets under the chain are still 0, obviously not complying with the distribution principle of the assets on the chain. In this embodiment, a balance asset belonging to the asset issuer C and having an amount equal to the interest of the debt needs to be issued further to ensure that the total assets on the chain and the total assets under the chain are equal to each other and are 0. At this time, the assets recorded in each blockchain account are as shown in table 6 or table 7 below:

object	Block chain account	Balance assets	Liability assets	Interest of liabilities	Interest assets
						Money transfer organization A	Account a	300	500	10	0
Money transfer organization B	Account b	200	0	0	0
						Asset issuer C	Account c	1500	1500	0	10

TABLE 6

Object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	300	510
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1510	1500

TABLE 7

Of course, in this embodiment, a step of payment from the money transfer organization A to the asset issuer C and a step of the money transfer organization B exchanging the on-chain asset for the off-chain asset may also be included. These two steps have been described in detail above and will not be described in detail here.

According to the technical scheme, the debit assets and the balance assets with the same amount as the credit line of the remittance organization can be issued in the blockchain system according to the credit condition of the remittance organization. After receiving the asset credit transaction, the blockchain system can transfer the balance assets and the liability assets of corresponding amounts to the blockchain account corresponding to the remittance organization for remittance. Since the total amount of the balance assets and the liability assets is 0, the embodiment can issue the assets without the need of a money transfer organization to fill up the assets as in the related art, thereby avoiding the problems that money transfer cannot be performed and the money transfer efficiency is low due to poor liquidity of the money transfer organization assets in the related art.

What has been described above is: the remittance process is realized only by the credit authorization mode. However, in actual practice, even though the money transfer organization may have insufficient down-link assets for money transfer due to poor asset mobility, the money transfer organization in most cases does not have any down-link assets available for money transfer. Thus, in this specification, a method of money transfer incorporating the provision and credit is also presented.

Before describing the remittance method, it should be firstly stated that most of the operation steps in the method are consistent with the procedure of realizing remittance only by way of credit, for example, how to remit money, how to pay money, how to calculate liability interest, etc., and the details can refer to the description of the previous embodiment.

Fig. 5 is a flow chart illustrating another method of money transfer based on a blockchain system in an exemplary embodiment of the present description. The method may comprise the steps of:

step 502, the asset issuer issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system according to the bedding assets of the first remittance organization on the asset issuer and the credit line of the first remittance organization; the balance assets to be distributed are equal to the sum of the bedding assets and the credit line, and the liability assets to be distributed are equal to the credit line.

As described above, most of the operations in this embodiment can refer to the description of the previous embodiment, and are not described again in this embodiment. It should be understood that the present embodiment differs from the previous embodiment in that: when issuing blockchain assets, the embodiment issues the balance assets to be distributed based on the underlying assets of the first remittance organization at the asset issuer and the credit line of the first remittance organization; and the liability assets to be distributed are still issued according to the credit line. Correspondingly, when the issued balance assets to be distributed and the issued liability assets to be distributed are distributed to the first block chain account corresponding to the first remittance organization, the available balance assets obtained by distribution are changed into the total amount which is not more than the capital assets and the credit line; the allocated available liability assets are still no greater than the credit line.

Step 504, the asset issuer allocates a first amount of the balance assets to be allocated and a second amount of the liability assets to be allocated to the first blockchain account corresponding to the first remittance organization to be respectively used as the available liability assets and the available balance assets corresponding to the first remittance organization, wherein the first amount is not more than the sum, and the second amount is not more than the credit line.

It should be appreciated that the present embodiment, after the asset release is completed, the total asset amount in the chain is exactly equal to the bedding asset amount. It can be seen that the asset issuance scheme employed in this embodiment does not violate the issuance rules of the on-chain assets (i.e., to ensure that the issued on-chain assets are consistent with the amount of the off-chain assets held by the asset issuer). As can be seen from the above description, compared with the above embodiments, this embodiment can not only solve the problem of the related art that money transfer cannot be performed due to insufficient bedding assets, but also further increase the upper limit of the money transfer amount. Wherein, the upper limit of the money transfer amount of the above embodiment is: a credit line; the upper limit of the money transfer amount of this embodiment is: credit line and total amount of capital assets.

Step 506, the first money transfer organization sends a money transfer transaction instructing a money transfer to a second money transfer organization to the blockchain system, so that the blockchain system transfers the available balance assets in the first blockchain account, which are equal to the amount indicated in the money transfer transaction, to a second blockchain account corresponding to the second money transfer organization.

As described above, after completing asset transfer and asset crediting, the first money transfer organization may perform money transfer operations based on the linked assets in the first blockchain account. Specifically, the first money transfer organization may initiate a money transfer transaction to the blockchain system under the direction of the user, so that the blockchain system transfers the available balance assets equal to the money transfer amount in the first blockchain account to the second blockchain account corresponding to the second money transfer organization according to the money transfer amount included in the money transfer transaction.

As described above, the first money transfer organization may also send the down-link assets to the asset issuer to cause the asset issuer to send the corresponding payment transactions to the blockchain system; the repayment transaction is used to instruct the blockchain system to deduct available liability assets equal to the off-chain assets from the first blockchain account.

As described above, the asset issuer facilitates the money transfer operations performed by the first money transfer organization, and therefore, the asset issuer may also receive certain interest from the first money transfer organization. Specifically, the blockchain system may calculate the liability interest corresponding to the available liability asset at the payment time based on the time when the first blockchain account receives the available liability asset and the payment time when the blockchain system receives the payment transaction, and record the calculated liability interest in the first blockchain account. Correspondingly, the asset issuer also needs to issue interest assets belonging to itself in the blockchain system, the amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and the interest assets are recorded in the third blockchain account corresponding to the asset issuer.

It can be known from the above technical solutions that, by the technical solution of this embodiment, not only the problem that remittance cannot be performed due to the adoption of a bedding manner in the related art can be solved, but also the upper limit of the remittance amount can be further increased. Specifically, since the amount of the balance asset to be distributed issued in this embodiment is equal to "the total of the credit line of the first money transfer organization and the investment asset of the first money transfer organization at the asset issuer", accordingly, the upper limit of the available balance asset that can be distributed by the first blockchain account also rises to "the total of the credit line of the first money transfer organization and the investment asset of the first money transfer organization at the asset issuer". The available balance assets allocated in the first blockchain account are the on-chain assets available for remittance, and obviously, the upper limit of the remittance amount is increased compared with the previous embodiment.

Similar to the foregoing embodiments, the present specification also provides a remittance method applied to the blockchain node corresponding to fig. 5, in the next embodiment, most operation manners are similar to those of the foregoing embodiments, and specific operation manners can refer to the description of the foregoing embodiments, which are not described again below.

Fig. 6 is a flow chart illustrating another method of money transfer applied to a blockchain node in an exemplary embodiment of the present description. The method may comprise the steps of:

step 602, under the condition that an asset issuing transaction initiated by an asset issuer is received, issuing balance assets to be distributed and liability assets to be distributed in a block chain system according to the amount of the capital assets of a first remittance organization at the asset issuer and the credit line of the first remittance organization in the asset issuing transaction; the balance assets to be distributed are equal to the sum of the amount of the cushion assets and the credit line, and the liability assets to be distributed are equal to the credit line.

When issuing blockchain assets, the embodiment issues the balance assets to be distributed based on the underlying assets of the first remittance organization at the asset issuer and the credit line of the first remittance organization; and the liability assets to be distributed are still issued according to the credit line. Correspondingly, when the issued balance assets to be distributed and the issued liability assets to be distributed are distributed to the first block chain account corresponding to the first remittance organization, the available balance assets obtained by distribution are changed into the total amount which is not more than the capital assets and the credit line; the allocated available liability assets are still no greater than the credit line.

Step 604, according to the asset credit transaction initiated by the asset issuer under the condition of receiving the asset credit request sent by the first money transfer organization, allocating a first amount of balance assets to be allocated and a second amount of liability assets to be allocated to the first blockchain account corresponding to the first money transfer organization to be respectively used as available balance assets and available liability assets corresponding to the first money transfer organization, wherein the first amount is not more than the sum, and the second amount is not more than the credit line.

It should be appreciated that the present embodiment, after the asset release is completed, the total asset amount in the chain is exactly equal to the bedding asset amount. It can be seen that the asset issuance scheme employed in this embodiment does not violate the issuance rules of the on-chain assets (i.e., to ensure that the issued on-chain assets are consistent with the amount of the off-chain assets held by the asset issuer). As is clear from the above description, the present embodiment can solve the problem that remittance cannot be performed due to insufficient bedding assets, and can further increase the upper limit of the remittance amount. Wherein, the upper limit of the money transfer amount when the assets on the chain are issued only by the credit line is: a credit line; the upper limit of the money transfer amount of this embodiment is: credit line and total amount of capital assets.

Step 606, upon receiving a money transfer transaction initiated by a first money transfer organization instructing a money transfer to a second money transfer organization, transfers an available balance asset in a first blockchain account equal to the amount indicated in the money transfer transaction to a second blockchain account corresponding to the second money transfer organization.

As described above, after completing asset transfer and asset crediting, the first money transfer organization may perform money transfer operations based on the linked assets in the first blockchain account. Specifically, the first money transfer organization may initiate a money transfer transaction to the blockchain point under the direction of the user, so that the blockchain point transfers the available balance assets equal to the money transfer amount in the first blockchain account to a second blockchain account corresponding to the second money transfer organization according to the money transfer amount contained in the money transfer transaction.

As described above, the first money transfer organization may also send the linked assets to the asset issuer to cause the asset issuer to send the corresponding payment transactions to the block chain node; after the block link point receives the repayment transaction, the interface deducts available liability assets equal to the off-chain assets from the first block chain account.

As described above, the asset issuer facilitates the money transfer operations performed by the first money transfer organization, and therefore, the asset issuer may also receive certain interest from the first money transfer organization. Specifically, the block link point may calculate the liability interest corresponding to the available liability asset at the payment time based on the time when the first block chain account receives the available liability asset and the payment time when the block chain system receives the payment transaction, and record the calculated liability interest in the first block chain account. Correspondingly, the asset issuer also needs to issue interest assets belonging to itself in the blockchain system, the amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and the interest assets are recorded in the third blockchain account corresponding to the asset issuer.

As can be seen from the above technical solution, since the amount of the balance asset to be distributed issued in this embodiment is equal to "the total of the credit line of the first money transfer organization and the pad asset of the first money transfer organization at the asset issuer", correspondingly, the upper limit of the available balance asset that can be distributed by the first blockchain account also rises to "the total of the credit line of the first money transfer organization and the pad asset of the first money transfer organization at the asset issuer". As can be seen, this embodiment increases the upper limit of the money transfer amount compared to a method of issuing the on-chain asset only by the credit line.

The process of effecting money transfer in conjunction with the funding and credit will now be described, again taking the example of money transfer organization a transferring money to money transfer organization B.

Fig. 7 is an interaction diagram illustrating another method of money transfer based on a blockchain system in an exemplary embodiment of the present description. The method may comprise the steps of:

at step 701, money transfer organization A sends the down-link asset to asset issuer C as a bedding asset.

In this embodiment, money transfer organization A may send a certain amount of the off-chain assets to asset issuer C as the bedding asset for issuing the on-chain assets.

At step 702, asset issuer C performs a risk assessment with money transfer organization A.

In this embodiment, after receiving the funding sent by the money transfer organization a, the asset issuer C may start to perform risk assessment on the money transfer organization a, and the detailed assessment method may refer to the description of fig. 4, which is not described herein again.

And 703, the asset issuer C generates an asset issuing transaction based on the credit line obtained by evaluation and the amount of the underlying asset.

In this embodiment, after the asset issuer C completes the risk assessment, a corresponding asset issuance transaction may be generated based on the amount of the underlying asset and the credit line to issue the asset on the blockchain system X.

In step 704, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.

Step 705, the blockchain system X issues the balance assets to be distributed and the liability assets to be distributed according to the credit line and the investment asset amount in the asset issuing transaction.

For example, if the amount of the cushion asset sent by the money transfer organization a to the asset issuer C in step 701 is 700 and the credit line obtained by the risk assessment in step 702 is 2000, in this step, the blockchain system X issues the balance asset to be allocated with the amount 2700 and the liability asset to be allocated with the amount 2000.

In this embodiment, both the balance assets to be distributed and the liability assets to be distributed issued can be distributed only to the blockchain account a corresponding to the remittance organization a, but the asset distribution operation is executed only when the asset credit transaction is received. Before an asset credit transaction is not received, the issued blockchain transaction may be recorded in the blockchain account C corresponding to the asset issuer C. At this time, the assets recorded in each blockchain account are as follows:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	0	0
Money transfer organization B	Account b	0	0
				Asset issuer C	Account c	2700	2000

TABLE 8

At step 706, the money transfer organization A sends an asset credit request to the asset issuer C.

In step 707, the asset issuer C generates an asset credit transaction based on the credit amount included in the asset credit request.

At step 708, the asset issuer C sends the generated asset credit transaction to the blockchain system X.

Step 709, the blockchain system X allocates the balance assets to be allocated and the liability assets to be allocated to the blockchain account a corresponding to the remittance organization a according to the credit amount included in the asset credit transaction, so as to serve as the available balance assets and the available liability assets of the remittance organization a.

In this embodiment, the credit amount included in the asset credit transaction is not greater than the total amount of the credit line of the money transfer organization a and the aforementioned funding asset. In other words, in the above example, the credit amount should not be greater than 2700.

It should be stated that, because the balance assets to be distributed issued by the embodiment are larger than the amount of the liability assets to be distributed, in the process of crediting the assets, it can be preferentially determined whether the crediting amount is larger than the amount of the pad assets, and if not, the liability assets to be distributed do not need to be transferred to the block chain account a corresponding to the remittance organization a; if yes, transferring a certain amount of the liability assets to be distributed to the blockchain account a.

For the above example, assuming that the credit amount is 500, in this step, the blockchain system X only needs to transfer the balance asset with the amount of 500 to the blockchain account a corresponding to the remittance organization a. In this case, the asset status recorded in each blockchain account after completing the asset transfer is shown in table 9:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	500	0
Money transfer organization B	Account b	0	0
				Asset issuer C	Account c	2200	2000

TABLE 9

Assuming that the credit amount is 900, in this step, the blockchain system X needs to transfer the balance assets with the amount of 900 to the blockchain account a corresponding to the money transfer organization a, and also needs to transfer the liability assets with the amount of 200 to the blockchain account a corresponding to the money transfer organization a. In this case, the asset status recorded in each blockchain account after completing the asset transfer is as shown in table 10:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	900	200
Money transfer organization B	Account b	0	0
				Asset issuer C	Account c	1800	1800

Watch 10

At step 710, money transfer organization A sends a money transfer transaction to blockchain system X.

At step 711, blockchain system X transfers the available balance asset in blockchain account a equal to the amount indicated for the money transfer transaction to blockchain account b.

In the above example (taking the credit granting case of table 10 as an example), it is assumed that the remittance object is remittance organization B corresponding to user 2, and the remittance amount is 200. Then, the blockchain system X may transfer the balance assets in the amount of 200 from blockchain account a to the corresponding blockchain account B of remittance organization B. After the transfer is complete, the assets recorded in each blockchain account are as follows:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	700	200
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1800	1800

TABLE 11

At step 712, the blockchain system X calculates the liability interest of the money transfer organization A based on the payment time.

In this embodiment, the liability interest of remittance organization a may be further calculated and recorded in blockchain account a. Assuming an interest rate of 1%/day, the current day is 3 days after the asset was credited (i.e., the length of liability is 2 days). Then the calculated liability interest is: 200 x 2 x 1% ═ 10. At this point (examples are described below on the basis of table 11), the asset status recorded in each blockchain account is as follows in table 12:

object	Block chain account	Balance assets	Liability assets	Interest of liabilities
					Money transfer organization A	Account a	700	200	4
Money transfer organization B	Account b	200	0	0
					Asset issuer C	Account c	1800	1800	0

TABLE 12

Of course, table 12 is merely illustrated as "recording debt interest individually", and in actual practice, since the type of the debt interest asset belongs to the debt asset, one of them may also be recorded as a debt asset, in which case: the asset records for each blockchain account may be as follows 13:

object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	700	204
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1800	1800

Watch 13

In step 713, the blockchain system issues interest assets of the amount equal to the liabilities and the like, and records the interest assets in the third blockchain account corresponding to the asset issuer.

It should be understood that the total assets on the chain recorded in either table 12 or table 13 are not 0, but the total assets under the chain are still 0, obviously not complying with the distribution principle of the assets on the chain. In this embodiment, a balance asset belonging to the asset issuer C and having an amount equal to the interest of the debt needs to be issued further to ensure that the total assets on the chain and the total assets under the chain are equal to each other and are 0. At this time, the asset status recorded in each blockchain account is as shown in table 14 or table 15 below:

object	Block chain account	Balance assets	Liability assets	Interest of liabilities	Interest assets
						Money transfer organization A	Account a	700	200	4	0
Money transfer organization B	Account b	200	0	0	0
						Asset issuer C	Account c	1800	1800	0	4

TABLE 14

Object	Block chain account	Balance assets	Liability assets
				Money transfer organization A	Account a	700	204
Money transfer organization B	Account b	200	0
				Asset issuer C	Account c	1804	1800

Watch 15

According to the technical scheme, the embodiment combines the modes of credit giving and fund raising, can issue the balance assets to be distributed, which are equal to the sum of the amount of the fund-raising assets and the credit giving amount, in the blockchain system based on the credit giving amount of the remittance organization and the fund-raising assets at the asset issuer of the remittance organization, and further improve the upper limit of the remittance amount to the sum of the amount of the fund-raising assets and the credit giving amount. Therefore, the technical scheme of the embodiment can solve the problem that remittance cannot be carried out due to insufficient bedding assets in the related technology, and can also improve the upper limit of the remittance amount.

FIG. 8 is a schematic block diagram of an apparatus provided in an exemplary embodiment. Referring to fig. 8, at the hardware level, the apparatus includes a processor 802, an internal bus 804, a network interface 806, a memory 808, and a non-volatile memory 810, but may also include hardware required for other services. One or more embodiments of the present description may be implemented in software, such as by the processor 802 reading a corresponding computer program from the non-volatile storage 810 into the memory 808 and then executing the computer program. Of course, besides software implementation, the one or more embodiments in this specification do not exclude other implementations, such as logic devices or combinations of software and hardware, and so on, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

Referring to fig. 9, a money transfer apparatus based on a blockchain system may be applied to the apparatus shown in fig. 8 to implement the solution of the present specification. Wherein the blockchain system based money transfer device may include:

the issuing unit 901 issues balance assets to be distributed and liability assets to be distributed in the affiliated blockchain system under the condition that an asset issuing transaction initiated by an asset issuer is received, wherein the amounts of the balance assets to be distributed and the liability assets to be distributed are equal;

a credit granting unit 902, which allocates the balance assets to be allocated and the liability assets to be allocated, which do not exceed the credit line of the first remittance organization, to the first blockchain account corresponding to the first remittance organization according to the asset credit granting transaction initiated by the asset issuer under the condition that the asset credit granting request sent by the first remittance organization is received, so as to serve as the available balance assets and the available liability assets corresponding to the first remittance organization, wherein the amounts of the available balance assets and the available liability assets are equal;

the remittance unit 903, upon receiving a remittance transaction initiated by a first remittance organization and instructing remittance to a second remittance organization, transfers an available balance asset equal to the amount instructed in the remittance transaction from a first blockchain account to a second blockchain account corresponding to the second remittance organization.

Optionally, the issuing unit 901 is further configured to:

and under the condition of receiving an asset issuing transaction initiated by an asset issuer, issuing balance assets to be distributed and liability assets to be distributed which are respectively equal to the credit line according to the credit line of a first remittance organization included in the asset issuing transaction in a block chain system to which the balance assets to be distributed and the liability assets to be distributed belong, wherein the balance assets to be distributed and the liability assets to be distributed can be distributed to a first block chain account corresponding to the first remittance organization only.

Optionally, the issuing unit 901 is further configured to:

and under the condition of receiving an asset issuing transaction initiated by an asset issuer, issuing balance assets to be distributed and liability assets to be distributed which are respectively equal to the issuing amount in the affiliated blockchain system according to the issuing amount contained in the asset issuing transaction, wherein the balance assets to be distributed and the liability assets to be distributed can be distributed to blockchain accounts corresponding to any remittance organization.

Optionally, the trust unit 902 is further configured to:

according to the asset credit granting transaction initiated by the asset issuer under the condition of receiving the asset credit granting request sent by the first money transfer organization, transferring the balance assets to be distributed and the liability assets to be distributed, which are equal to the amount of the assets contained in the asset credit granting transaction, into the first block chain account, wherein the amount of the assets does not exceed the credit granting amount of the first money transfer organization.

Optionally, the method further includes:

a repayment unit 904 deducts available liability assets equal to the off-chain assets from the first blockchain account based on a repayment transaction initiated by the asset issuer upon receipt of the off-chain assets sent by the first money transfer organization.

Optionally, the method further includes:

the calculating unit 905 calculates the liability interest corresponding to the available liability asset at the repayment time based on the time when the available liability asset is received by the first blockchain account and the repayment time when the blockchain node receives the repayment transaction, and records the liability interest in the first blockchain account; and issuing the interest assets belonging to the asset issuer in the block chain system, wherein the amount of the interest assets is equal to the debt interest, and the interest assets are recorded in a third block chain account corresponding to the asset issuer.

Optionally, the method further includes:

a redemption unit 906 that deducts an available balance asset of a corresponding amount from a second blockchain account according to an asset redemption transaction initiated by the asset issuer in the event that a linked asset equal to the amount indicated in the money transfer transaction is remitted to a second remittance organization; alternatively, the first and second electrodes may be,

when receiving an asset exchange transaction initiated by a second money transfer organization, deducting balance assets in a second blockchain account, wherein the balance assets are equal to the exchange amount indicated by the asset exchange transaction, and sending exchange instructions to the asset issuer so that the asset issuer remits the corresponding amount of the down-chain assets to the second money transfer organization; alternatively, the first and second electrodes may be,

deducting available balance assets in a second blockchain account, which are equal to the exchange amount indicated in the asset exchange transaction, according to the asset exchange transaction initiated by the asset issuer under the condition that the asset exchange request sent by a second money transfer organization is received; wherein the asset redemption request is further for instructing the asset issuer to remit the linked asset equal to the redemption amount to a second money transfer organization.

Referring to fig. 10, a money transfer apparatus based on a blockchain system may be applied to the apparatus shown in fig. 8 to implement the solution of the present specification. Wherein the blockchain system based money transfer device may include:

an issuing unit 1001 that issues a balance asset to be allocated and a liability asset to be allocated in a blockchain system to which the balance asset and the liability asset belong, the amounts of the balance asset to be allocated and the liability asset to be allocated being equal to each other, when an asset issuing transaction initiated by an asset issuer is received;

the credit granting unit 1002 is configured to allocate, according to an asset credit granting transaction initiated by the asset issuer under the condition that the asset credit granting request sent by the first money transfer organization is received, a balance asset to be allocated and a liability asset to be allocated, which do not exceed a credit line of the first money transfer organization, to a first blockchain account corresponding to the first money transfer organization, so as to serve as an available balance asset and an available liability asset corresponding to the first money transfer organization, where the available balance asset and the available liability asset are equal in amount;

the money transfer unit 1003, upon receiving a money transfer transaction initiated by a first money transfer organization and instructing a money transfer to a second money transfer organization, transfers an available balance asset in the first blockchain account, which is equal to the amount instructed in the money transfer transaction, to a second blockchain account corresponding to the second money transfer organization.

Optionally, the method further includes:

a repayment unit 1004 deducts available liability assets equal to the off-chain assets from the first blockchain account based on a repayment transaction initiated by the asset issuer upon receipt of the off-chain assets sent by the first money transfer organization.

Optionally, the method further includes:

a calculating unit 1005, configured to calculate a liability interest corresponding to the available liability asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain system receives the repayment transaction, and record the liability interest in the first blockchain account; and issuing the interest assets belonging to the asset issuer in the block chain system, wherein the amount of the interest assets is equal to the debt interest, and the interest assets are recorded in a third block chain account corresponding to the asset issuer.

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. A method of money transfer based on a blockchain system, comprising:

2. The method of claim 1, the asset issuer issuing balance assets to be allocated and liability assets to be allocated in a blockchain system, comprising:

and the asset issuer issues balance assets to be distributed and liability assets to be distributed which are equal to the credit line according to the credit line of the first remittance organization in the blockchain system, wherein the balance assets to be distributed and the liability assets to be distributed can be distributed to the first blockchain account corresponding to the first remittance organization only.

3. The method of claim 1, the asset issuer issuing balance assets to be allocated and liability assets to be allocated in a blockchain system, comprising:

the asset issuer issues balance assets to be distributed and liability assets to be distributed in the blockchain system, which can be distributed to blockchain accounts of any money transfer organization.

4. The method as claimed in claim 2 or 3, wherein the asset issuer allocates the balance assets to be allocated and the liability assets to be allocated not exceeding the credit line of the first money transfer organization to the first blockchain account corresponding to the first money transfer organization, comprising:

and under the condition that the asset issuer receives an asset credit granting request sent by a first remittance organization, transferring the balance assets to be distributed and the liability assets to be distributed which are equal to the asset amount to a first block chain account according to the asset amount specified in the asset credit granting request.

5. The method of claim 1, further comprising:

a first money transfer organization sending a linked asset to the asset issuer to cause the asset issuer to send a payment transaction to the blockchain system; the repayment transaction is used to instruct the blockchain system to deduct available liability assets equal to the off-chain assets from a first blockchain account.

6. The method of claim 5, further comprising:

the block chain system calculates the liability interest corresponding to the available liability asset at the repayment time based on the time when the available liability asset is received by the first block chain account and the repayment time when the block chain system receives the repayment transaction, and records the liability interest in the first block chain account;

the asset issuer issues interest assets attributed to the asset issuer in the blockchain system, the amount of the interest assets being equal to the liability interest and being recorded in a third blockchain account corresponding to the asset issuer.

7. The method of claim 1, further comprising:

the asset issuer remitting a quantity of the downlinked assets equal to the quantity indicated in the remittance transaction to a second remittance organization and sending an asset redemption transaction to the blockchain system instructing the blockchain system to deduct a corresponding quantity of available balance assets from a second blockchain account; alternatively, the first and second electrodes may be,

the blockchain system receives the asset exchange transaction sent by a second money transfer organization, deducts available balance assets which are equal to the exchange amount indicated by the asset exchange transaction in a second blockchain account, and sends exchange instructions to the asset issuer so that the asset issuer remits the corresponding amount of the down-chain assets to the second money transfer organization; alternatively, the first and second electrodes may be,

and the asset issuer initiates an asset exchange transaction to the blockchain system under the condition of receiving an asset exchange request sent by a second remittance transaction, so as to instruct the blockchain system to deduct available balance assets equal to the exchange amount indicated in the asset exchange transaction in a second blockchain account, and send the down-chain assets equal to the exchange amount to a second remittance organization.

8. A method of money transfer based on a blockchain system, comprising:

9. The method of claim 8, further comprising:

10. The method of claim 9, further comprising:

11. A remittance method based on a block chain system is applied to block chain nodes and comprises the following steps:

12. The method of claim 11, said issuing balance assets to be allocated and liability assets in said blockchain system upon receipt of an asset issuance transaction initiated by an asset issuer, comprising:

13. The method of claim 11, said issuing balance assets to be allocated and liability assets in said blockchain system upon receipt of an asset issuance transaction initiated by an asset issuer, comprising:

14. The method as claimed in claim 12 or 13, wherein the step of allocating the balance assets to be allocated and the liability assets to be allocated not exceeding the credit line of the first remittance organization to the first blockchain account corresponding to the first remittance organization according to the asset credit transaction initiated by the asset issuer under the condition of receiving the asset credit request sent by the first remittance organization comprises the following steps:

15. The method of claim 11, further comprising:

available liability assets equal in amount to the off-chain assets are deducted from a first blockchain account based on a payment transaction initiated by the asset issuer upon receipt of the off-chain assets sent by the first money transfer organization.

16. The method of claim 15, further comprising:

calculating the debt interest corresponding to the available debt asset at the repayment time based on the time when the available debt asset is received by the first blockchain account and the repayment time when the blockchain link point receives the repayment transaction, and recording the debt interest in the first blockchain account;

and issuing the interest assets belonging to the asset issuer in the block chain system, wherein the amount of the interest assets is equal to the debt interest, and the interest assets are recorded in a third block chain account corresponding to the asset issuer.

17. The method of claim 11, further comprising:

deducting from a second blockchain account a corresponding amount of available balance assets in accordance with an asset redemption transaction initiated by the asset issuer in remitting to a second remittance organization a linked asset equal to the amount indicated in the remittance transaction; alternatively, the first and second electrodes may be,

18. A remittance method based on a block chain system is applied to block chain nodes and comprises the following steps:

19. The method of claim 18, further comprising:

available liability assets equal to the off-chain assets are deducted from a first blockchain account based on a payment transaction initiated by the asset issuer upon receipt of the off-chain assets sent by the first money transfer organization.

20. The method of claim 19, further comprising:

calculating the debt interest corresponding to the available debt asset at the repayment time based on the time when the available debt asset is received by the first blockchain account and the repayment time when the blockchain system receives the repayment transaction, and recording the debt interest in the first blockchain account;

21. A money transfer device based on blockchain system for use in blockchain nodes, comprising:

22. A money transfer device based on blockchain system for use in blockchain nodes, comprising:

23. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any one of claims 11-20 by executing the executable instructions.

24. 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 11-20.