CN113222574B

CN113222574B - Money transfer method and device based on blockchain system

Info

Publication number: CN113222574B
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: 2023-07-25
Anticipated expiration: 2041-05-11
Also published as: WO2022237555A1; CN113222574A

Abstract

One or more embodiments of the present disclosure provide a money transfer method and apparatus based on a blockchain system, including: the method comprises the steps that an asset issuer issues balance assets to be distributed and liability assets to be distributed in a blockchain system, wherein the amounts of the balance assets to be distributed and the liability assets to be distributed are equal; the method comprises the steps that an asset issuer distributes balance assets to be distributed and liability assets to be distributed which do not exceed the credit line of a first money transfer mechanism into a first blockchain account corresponding to the first money transfer mechanism to serve as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the amounts of the available balance assets and the available liability assets are equal; the first money transfer organization sends a money transfer transaction to the blockchain system indicating to transfer money to a second money transfer organization, such that the blockchain system transfers the available balance assets in the first blockchain account that are equal to the amount indicated in the money transfer transaction to a second blockchain account corresponding to the second money transfer organization.

Description

Money transfer method and device based on blockchain system

Technical Field

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

Background

The blockchain technology (also called as distributed ledger technology) is a decentralised distributed database technology, has the characteristics of decentralization, disclosure transparency, non-tampering, trust and the like, and is suitable for application scenes with high demands on data reliability. In view of the above advantages, the related art applies blockchain technology to a money transfer scenario to realize money transfer between money transfer institutions through on-chain asset transfer, thereby ensuring the reliability of the money transfer process.

However, in the related art, money transfer between money transfer institutions is generally achieved in a cushioned manner. This approach requires the money transfer organization to send a certain amount of the under-chain assets as the pad assets to the asset issuer in advance so that the asset issuer can issue a corresponding number of the on-chain assets in the blockchain system for the money transfer organization to use for money transfer based on the amount of the pad assets. It will be appreciated that this approach not only involves the reconciliation of on-chain and off-chain assets, but also results in the money transfer organization not having sufficient off-chain assets to pad money due to the relatively high mobility of money transfer organization funds, thereby resulting in a problem that money transfer operations cannot be performed.

Disclosure of Invention

In view of this, one or more embodiments of the present disclosure provide a blockchain system-based money transfer method and apparatus.

In order 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 of the present specification, there is provided a blockchain system-based money transfer method, comprising:

the method comprises the steps that an asset issuer issues balance assets to be distributed and liability assets to be distributed in a blockchain system, wherein the amounts of the balance assets to be distributed and the liability assets to be distributed are equal;

the method comprises the steps that an asset issuer distributes balance assets to be distributed and liability assets to be distributed which do not exceed the credit line of a first money transfer mechanism into a first blockchain account corresponding to the first money transfer mechanism to serve as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the amounts of the available balance assets and the available liability assets are equal;

the first money transfer organization sends a money transfer transaction to the blockchain system indicating to transfer money to a second money transfer organization, such that the blockchain system transfers the available balance assets in the first blockchain account that are equal to the amount indicated 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 of the present specification, there is provided a blockchain-based money transfer method, comprising:

the method comprises the steps that an asset issuer issues balance assets to be distributed and liability assets to be distributed in a blockchain system according to pad assets of a first money transfer organization at the asset issuer and credit limits of the first money transfer organization; the balance to be distributed is equal to the sum of the pad asset and the credit line, and the liability asset to be distributed is 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 money transfer mechanism to be respectively used as available liability assets and available balance assets corresponding to the first money transfer mechanism, wherein the first amount is not greater than the sum, and the second amount is not greater than the credit limit;

According to a third aspect of one or more embodiments of the present specification, there is provided a blockchain system-based money transfer method 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 belong, wherein the amounts of the balance assets to be distributed and the liability assets to be distributed are equal;

according to an asset credit transaction initiated by the asset issuer under the condition that an asset credit request sent by a first money transfer mechanism is received, balance assets to be distributed and liability assets to be distributed, which do not exceed credit limits of the first money transfer mechanism, are distributed to a first blockchain account corresponding to the first money transfer mechanism to serve as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the amounts of the available balance assets and the available liability assets are equal;

and under the condition that a money transfer transaction initiated by the first money transfer mechanism and used for indicating to transfer money to the second money transfer mechanism is received, transferring 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 mechanism.

According to a fourth aspect of one or more embodiments of the present specification, there is provided a blockchain system-based money transfer method 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 affiliated blockchain system according to the amount of cushioned assets of a first money transfer organization in the asset issuer and the credit limit of the first money transfer organization, which are contained in the asset issuing transaction; wherein the balance to be distributed is equal to the sum of the amount of the pad asset and the credit line, and the liability asset to be distributed is equal to the credit line;

according to an asset credit transaction initiated by the asset issuer under the condition of receiving an asset credit request sent by a first money transfer mechanism, distributing a first amount of balance assets to be distributed and a second amount of liability assets to be distributed into a first blockchain account corresponding to the first money transfer mechanism to be respectively used as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the first amount is not greater than the sum, and the second amount is not greater than the credit limit;

According to a fifth aspect of one or more embodiments of the present specification, there is provided a blockchain system-based money transfer apparatus for use with a blockchain node, comprising:

the system comprises an issuing unit, a storage unit and a storage unit, wherein the issuing unit is used for issuing balance assets to be distributed and liability assets to be distributed in a blockchain system to which the balance assets to be distributed belong under the condition of receiving an asset issuing transaction initiated by an asset issuer, and the amounts of the balance assets to be distributed and the liability assets to be distributed are equal;

the credit giving unit is used for distributing balance assets to be distributed and liability assets to be distributed which do not exceed the credit giving amount of the first money transfer mechanism to a first blockchain account corresponding to the first money transfer mechanism according to the asset credit giving transaction initiated by the asset issuer under the condition of receiving the asset credit giving request sent by the first money transfer mechanism, so as to serve as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the amounts of the available balance assets and the available liability assets are equal;

And the money transfer unit 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 mechanism under the condition that the money transfer transaction which is initiated by the first money transfer mechanism and used for indicating the money transfer to the second money transfer mechanism is received.

According to a sixth aspect of one or more embodiments of the present specification, there is provided a blockchain system-based money transfer apparatus for use with a blockchain node, comprising:

an issuing unit that issues balance assets to be distributed and liability assets to be distributed in a blockchain system to which a first money transfer mechanism included in an asset issuer issues, based on a cushioned asset amount of the asset issuer and a credit line of the first money transfer mechanism, when an asset issuing transaction initiated by the asset issuer is received; wherein the balance to be distributed is equal to the sum of the amount of the pad asset and the credit line, and the liability asset to be distributed is equal to the credit line;

the credit giving unit is used for distributing 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 the first money transfer mechanism according to an asset credit giving transaction initiated by the asset issuer under the condition that an asset credit giving request sent by the first money transfer mechanism is received, wherein the first amount is not greater than the sum, and the second amount is not greater than the credit giving 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 description, 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 as in any of the third and fourth aspects.

Drawings

FIG. 1 is a schematic diagram of a money transfer method implemented on a cushioned basis, in accordance with an exemplary embodiment.

FIG. 2 is a flowchart of a blockchain system-based money transfer method provided in an exemplary embodiment.

FIG. 3 is a flowchart of a money transfer method for a blockchain node in accordance with an exemplary embodiment.

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

FIG. 5 is a flowchart of another blockchain system-based money transfer method provided by an exemplary embodiment.

FIG. 6 is a flowchart of another money transfer method applied to blockchain nodes, as provided by an exemplary embodiment.

FIG. 7 is an interaction diagram of another blockchain system-based money transfer method provided by an exemplary embodiment.

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

Fig. 9 is a block diagram of a money transfer apparatus based on a blockchain system, provided in an exemplary embodiment.

FIG. 10 is a block diagram of another blockchain system-based money transfer apparatus provided in an exemplary embodiment.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to 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 aspects of one or more embodiments of the present description as detailed in the accompanying claims.

It should be noted that: in other embodiments, the steps of the corresponding method are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or fewer steps than described in this specification. Furthermore, individual steps described in this specification, in other embodiments, may be described as being split into multiple steps; while various steps described in this specification may be combined into a single step in other embodiments.

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

The blockchain technology (also called as distributed ledger technology) is a decentralised distributed database technology, has the characteristics of decentralization, disclosure transparency, non-tampering, trust and the like, and is suitable for application scenes with high demands on data reliability.

Therefore, the related art applies the blockchain technology to the money transfer scenario to realize money transfer between money transfer institutions through transfer of on-chain assets, thereby ensuring the reliability of the money transfer process. However, in the related art, asset transfer between money transfer institutions is typically accomplished by way of cushioned funds. For a specific process, reference may be made to fig. 1:

as shown in fig. 1, a first money transfer organization a needs to send a certain number of under-chain assets preferentially to an asset issuer C, such as a bank, so that the asset issuer a can issue a corresponding number of on-chain assets in a blockchain system X based on the under-chain assets, which are recorded in a first blockchain account a corresponding to the first money transfer organization a, which corresponds to steps (1) and (2) in fig. 1, i.e., the steps of pad-up and asset issue. On this basis, when the user 1 needs to send money to the user 2 through the first money transfer organization a, a money transfer request may be sent 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 may transfer the corresponding on-chain asset in the first blockchain account a to the second blockchain account B of the second money transfer organization B corresponding to the user 2, where the process may correspond to steps (3) and (4) in fig. 1. The second money transfer organization may further redeem the on-chain asset in the second blockchain account b for an off-chain asset, and may then deliver the rendered off-chain asset to user 2, which may correspond to steps (5) and (6) of fig. 1.

As is apparent from the above description, money transfer between the first money transfer organization a and the second money transfer organization B can be realized by way of the money transfer.

However, it is readily apparent that there are a number of drawbacks in effecting money transfer by the cushioned approach, particularly as follows:

(1) The transfer of the in-chain assets is prioritized, resulting in more preparation (e.g., involving identity authentication, in-chain asset handling, etc.) of the money transfer, which reduces the efficiency of the money transfer.

(2) The corresponding under-chain assets are required to support the money transfer, and under-chain assets of the money transfer organization have strong fluidity, and often cannot reserve enough under-chain assets for issuing on-chain assets, thereby causing the money transfer to be impossible.

(3) Because the asset issuer stores the pad asset corresponding to the on-chain asset, the reconciliation problem of the on-chain asset with the off-chain asset is involved to avoid the case where the on-chain asset is not equal to the off-chain asset.

In view of the above drawbacks of the cushioned mode, the present disclosure proposes a money transfer mode based on asset credit, so as to solve the above problems of the cushioned mode.

FIG. 2 is a flow chart illustrating a method of remittance 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 to be distributed and liability assets to be distributed in a blockchain system, wherein the balance to be distributed and the liability assets to be distributed are equal in amount.

As can be seen from the above, in the related art, money transfer based on the blockchain system is realized through the cushioned manner. Because it requires pre-funding of the on-chain assets, problems such as low money transfer efficiency, failure of money transfer operations, etc. result; meanwhile, since the cushioned mode stores cushioned assets at the asset issuer, and the on-chain assets issued on the chain based on the cushioned mode are balance assets, in order to avoid the condition that the on-chain assets are not equivalent to the off-chain assets, the related technology also relates to the reconciliation problem of the on-chain assets and the off-chain assets.

In view of this, the present description does not use the custody approach to achieve a blockchain-based money transfer, but rather by way of credit. Specifically, the asset issuer may issue equal amounts of balance assets to be allocated and liability assets to be allocated in the blockchain system, and the issued balance assets to be allocated and liability assets to be allocated may be allocated to blockchain accounts corresponding to the money transfer mechanism according to the credit giving condition of the money transfer mechanism, so as to be used as available balance assets and available liability assets corresponding to the money transfer mechanism. 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 under-chain assets required to be paid by the money transfer organization.

It should be understood that as the description relates to on-chain assets distributed in a blockchain system, it includes: equal amounts of liability assets to be distributed and balance assets to be distributed make the total amount of on-chain assets issued in the blockchain system of the specification be 0, so that money transfer mechanisms do not need to be subjected to money transfer at asset issuers, and the problems that money transfer efficiency is low and money transfer cannot be performed due to the fact that money transfer needs to be subjected to the money transfer in advance in the related art are avoided. Accordingly, since the total amount of on-chain assets issued is 0, there is no off-chain asset at the asset issuer that corresponds to the on-chain asset, and thus, there is no reconciliation problem involving the on-chain asset and the off-chain asset.

Further, because the asset issuer in the present description distributes balance assets to be distributed and liability assets to be distributed to blockchain accounts corresponding to the money transfer organization according to the credit giving situation of the money transfer organization. The process corresponds to the pre-use of the corresponding amount of on-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 the repayment by the money transfer organization based on the available liability assets recorded in its blockchain account during the subsequent process (e.g., when money transfer organization funds are sufficient). In actual operation, the asset issuer may pre-determine the credit limit of the money transfer organization and ensure that the amount of the assets to be distributed does not exceed the credit limit when the balance assets to be distributed and the liability assets to be distributed are distributed to the accounts corresponding to the money transfer organization. Thus, the specification can ensure that the on-chain assets distributed to the money transfer organization do not exceed the money transfer capacity of the on-chain assets, and further avoid the problem that the money transfer organization cannot repayment due to the excessively high money transfer amount responsible by the money transfer organization.

And 204, the asset issuer distributes balance assets to be distributed and liability assets to be distributed which do not exceed the credit line of the first money transfer organization into a first blockchain 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 amounts of the available balance assets and the available liability assets are equal.

Before describing the technical scheme of the present specification, the naming mode of the present specification is explained first: in this specification, a money transfer organization that initiates a money transfer will be referred to as a first money transfer organization; a money transfer organization that receives money transfer is referred to as a second money transfer organization; while the object responsible for issuing the in-chain asset for money transfer, which may be any type of on-chain asset issuing authority, may be a bank, for example, is referred to as an asset issuer.

In this specification, the asset issuer may issue the in-chain asset 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 money transfer organization, and the issued balance assets to be distributed and liability assets to be distributed may only be distributed to the first blockchain account corresponding to the first money transfer organization. In practice, the asset issuer may perform risk assessment on the first money transfer organization in advance, so as to determine the credit limit corresponding to the first money transfer organization according to the assessment result. It will be appreciated that this embodiment corresponds to the asset issuer issuing "on-chain assets specific to a first money transfer organization" for the first money transfer organization to use to transfer money to other money transfer organizations.

In one case of this embodiment, the on-chain asset specific to the first money transfer organization may be recorded in the first blockchain account corresponding to the first money transfer organization when the sending is completed. It will be appreciated that this situation corresponds to the fact that after the release of the "balance to be distributed asset" and the "liability to be distributed asset" is completed, all of the "balance to be distributed asset" and the "liability to be distributed asset" are directly distributed to the first money transfer organization.

In another case of this embodiment, the above-mentioned on-chain assets specific to the first money transfer organization may not be recorded in the first blockchain account first after the completion of the distribution, for example, may be recorded in a third blockchain account corresponding to the asset issuer, or in other blockchain accounts preset. Then, when the asset issuer receives the asset credit request sent by the first money transfer organization, the balance to be distributed asset and the liability to be distributed asset which are equal to the asset amount are transferred to the first blockchain account according to the asset amount appointed in the request. In this case, the above-mentioned issued balance to be distributed asset and liability to be distributed asset may be regarded as the total amount of on-chain assets available to the first money transfer organization for money transfer; and the balance to be distributed and liability to be distributed in the first blockchain account based on the asset credit request can be regarded as the on-chain assets for remittance required by the first remittance institution in a certain period. For example, assuming that the amount of on-chain assets issued by the asset issuer in the blockchain system is 2000 based on the credit line of the first money transfer organization, the first money transfer organization may send an asset credit request to the asset issuer in an amount of 500 assets per day to cause the asset issuer to instruct the blockchain system to transfer the 500 balance to be allocated and liability to be allocated assets into the first blockchain account by initiating a credit transaction to the blockchain system. Of course, in practical applications, the asset credit process may be actively initiated by the asset issuer instead of being passively performed under the direction of the first money transfer organization, for example, the asset issuer may actively send asset credit transactions to the blockchain system for a preset period of time to instruct the blockchain system to transfer the corresponding number of balance assets to be distributed and liability assets to be distributed into the first blockchain account.

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

Similarly to the previous embodiment, the asset issuer in this embodiment may, upon receiving the asset credit request sent by the first money transfer organization, transfer the balance to be allocated and the liability to be allocated assets equal to the asset amount to the first blockchain account according to the asset amount specified in the request. Specifically, the blockchain system may be instructed to transfer the corresponding amount of balance to be allocated and liability to be allocated to the first blockchain account in a manner that the asset issuer sends asset credit transactions to the blockchain system. Of course, the asset issuer may actively initiate the asset trust process, and the specific operation manner is similar to that of the previous embodiment, and will not be described herein.

It should be appreciated that the two asset distribution approaches described in the two embodiments above have respective advantages. The asset issuer can independently issue the assets on the chain for each remittance institution, so that special money is realized, and the follow-up tracing is convenient; while the asset issuer in the latter unifies the on-chain assets for each money transfer organization, the on-chain assets of a single issue can be used by a plurality of money transfer organizations simultaneously, so that on one hand, the number of issues is reduced, and on the other hand, the problem that the former is difficult to manage in an overall manner due to the fact that the on-chain assets are issued for each money transfer organization independently is avoided.

And 206, the first remittance organization sends remittance transaction for indicating remittance to the second remittance organization to the blockchain system, so that the blockchain system transfers the available balance assets with the same amount as indicated in the remittance transaction in the first blockchain account to the second blockchain account corresponding to the second remittance organization.

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

In practice, the first money transfer mechanism may initiate a money transfer transaction to the blockchain system at the direction of the user, such that the blockchain system transfers the balance assets in the first blockchain account that are equal to the money transfer amount to the second blockchain account corresponding to the second money transfer mechanism, based on the money transfer amount included in the money transfer transaction.

It should be appreciated that after completion of the on-chain asset transfer operation, there is no change in the off-chain assets of both the first money transfer organization and the second money transfer organization, but the total on-chain assets of the first money transfer organization in the blockchain system are "available liability assets equal to money transfer amount" and the total on-chain assets of the second money transfer organization in the blockchain system are "available balance assets equal to money transfer 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 operations are completed, the transfer of money from the first money transfer organization to the second money transfer organization has been completed.

In this description, the above-mentioned process of asset credit corresponds to the first money transfer organization exchanging for the on-chain asset through its own credit, and the available liability assets recorded in the first blockchain account are just the off-chain assets required to be paid by the first money transfer organization after exchanging for the on-chain asset. Accordingly, the present description may also include the operation of the first money transfer organization to repayment to the asset issuer.

In practice, the first money transfer organization may send the under-chain asset for payment to the asset issuer, which upon receiving the under-chain asset may generate a corresponding payment transaction and send the transaction to the blockchain system to instruct the blockchain system to deduct the available liability asset, such as the under-chain asset, from the first blockchain account. It will be appreciated that in this manner, the first money transfer organization may timely pay the asset issuer in accordance with its own funds flow, thereby ensuring its own reputation at the asset issuer to maintain its long-term collaboration with the asset issuer.

In this specification, an asset issuer assists a first money transfer organization in performing a blockchain system-based money transfer operation, and thus, the asset issuer may also collect certain interest from the first money transfer organization. Specifically, the blockchain system may calculate liability interest corresponding to the available liability assets at different moments according to the amount of the available liability assets recorded in the first blockchain account and the duration of recording the available liability assets after the balance assets to be distributed and the liability assets to be distributed are distributed to the first blockchain system. Wherein the liability interest is positively correlated to the length of time and the amount of available liability assets. For example, after the first blockchain account receives the available balance assets and the available liability assets, the blockchain system may calculate liability interest corresponding to the current day at a particular time of day based on the amount of the available liability assets and the number of days from the day the first blockchain account received the available liability assets until the current day.

Accordingly, when the blockchain system receives a payment transaction, the blockchain system calculates the liability interest corresponding to the available liability assets at the payment time based on the time when the first blockchain account receives the available liability assets and the payment time when the blockchain system receives the payment transaction, and records the liability interest in the first blockchain account, so that the first money transfer organization needs to pay the under-chain assets with the same amount as the liability interest as the interest paid to the asset issuer in addition to paying the amount of the available liability assets.

It should be appreciated that if liability interest is recorded in only the first blockchain account, the total asset recorded in the blockchain system is obviously no longer 0, while the under-chain asset of the asset issuer is still 0, which obviously violates the on-chain asset's issuing principles (the principle that the on-chain asset and under-chain asset amounts should be equal). Therefore, in this specification, the asset issuer needs to further issue interest assets in the blockchain system with the same amount as the liability interest, and since the asset type of liability interest belongs to the liability asset and the asset type of interest belongs to the balance asset, after issuing the liability asset, it is ensured that the total on-chain asset is still 0, and the issuing principle of the on-chain asset is met. It should be noted that the interest asset may be considered as an asset on the asset issuer maintenance chain and a reward for assisting the first money transfer organization in transferring money, and therefore the interest asset issued 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 may either be reissued upon receipt of the indication of the asset issuer or actively issued by the blockchain system after calculating the liability interest.

In this specification, after transferring balance assets to the second blockchain account that are equal to the amount of assets in the money transfer transaction, the corresponding amount of balance assets is recorded in the second blockchain account. In other words, the on-chain assets of the second money transfer organization are increased upon completion of the asset transfer operation. On this basis, the specification may further include a process of redeeming the on-chain asset for the off-chain asset.

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

In this embodiment, this corresponds to the default redemption of the on-chain asset to the off-chain asset in the second blockchain account. The under-chain total asset of the asset issuer may also be considered a liability case as the corresponding number of under-chain assets are sent by the asset issuer to the second money transfer organization, and the value is consistent with the liability value of the on-chain total asset. It can be seen that after the redemption of the assets is completed, the values of the on-chain and off-chain total assets remain consistent, conforming to the on-chain asset's issuing principles.

In another embodiment, whether to redeem the on-chain asset for the off-chain asset may be determined by the second money transfer organization. When the second money transfer organization needs to redeem the on-chain asset for the off-chain asset, an asset redemption transaction may be initiated to the blockchain system; and after receiving the asset exchange transaction, the blockchain system deducts the available balance assets in the second blockchain system, which are equal to the exchange amount indicated by the asset exchange transaction, and further, can send an exchange indication to the asset issuer so that the asset issuer transfers the corresponding quantity of the under-chain assets to the second money transfer organization.

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

It should be noted that the blockchain system in this specification may include only a single blockchain network or may include multiple blockchain networks. The blockchain system can adopt a traditional blockchain architecture, namely all nodes in the blockchain system are formed by deploying blockchain codes on corresponding physical devices, and each node corresponds to one physical device in most cases; the blockchain system can also adopt a BaaS (Blockchain as a Service) architecture in the blockchain technology, namely all nodes in the blockchain network are formed by deploying blockchain codes on virtual machines realized in the cloud through cloud services, and the blockchain nodes do not need to correspond to corresponding entity equipment 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, funds transfer operator), i.e., an enterprise or organization that provides asset transfer services that is approved by the relevant organization. Of course, the present specification is not limited to the specific form thereof, and may be determined by one skilled in the art according to actual circumstances.

According to the technical scheme, the asset issuer in the specification can issue the balance asset to be distributed and the liability asset to be distributed on the chain at the same time in the blockchain system, so that the amount of the total asset on the chain issued by the asset issuer is 0, the situation that the money transfer mechanism has to carry out money transfer at the asset issuer when the blockchain asset is issued in the related technology is avoided, and the situation that money transfer efficiency is low and money transfer cannot be carried out due to the money transfer is avoided. Meanwhile, since no pad asset is stored at the asset issuer and the total amount of the on-chain asset is 0, the technical scheme of the specification does not relate to the reconciliation problem of the blockchain asset.

Further, when the distributed on-chain assets are distributed to the blockchain accounts corresponding to the money transfer mechanism, the distributed on-chain assets are distributed according to the credit giving condition of the money transfer mechanism, so that the amount of balance assets to be distributed and the amount of liability assets to be distributed, which are distributed to the blockchain accounts corresponding to the money transfer mechanism, cannot exceed the credit giving limit of the money transfer mechanism. It should be appreciated that this credit corresponds to an assessment by the asset issuer of the payback capability of the money transfer organization, as neither the amount of balance assets to be distributed nor liability assets to be distributed assigned to the corresponding blockchain account of the money transfer organization exceeds this value, it is obviously possible to ensure that the money transfer organization has the ability to repay the under-chain assets required for the distribution of the resulting on-chain assets, thereby ensuring that the benefits of the asset issuer are not lost.

Still further, the blockchain system may further calculate liability interest corresponding to the first money transfer organization at different times after the first money transfer organization distributes the on-chain assets, and record the liability interest in a first blockchain account corresponding to the first money transfer organization; correspondingly, an interest asset equal to the liability interest amount may also be issued in the blockchain system and recorded in a third blockchain account corresponding to the asset issuer. It will be appreciated that since the asset type of interest asset belongs to balance asset and the asset type of liability interest belongs to liability asset, the amounts are equal such that the total on-chain asset in the blockchain system is still 0, consistent with the amount of off-chain asset in the asset issuer. It can be seen that by generating liability interest and issuing interest assets, the asset sender can be rewarded for maintaining on-chain assets and assisting the first money transfer organization in achieving money transfer due without violating on-chain asset issuing guidelines.

In this specification, in addition to introducing a credit-based on-chain money transfer manner from the whole interactive flow, an on-chain money transfer method applied to blockchain nodes is also disclosed. It should be noted that the technical solution of the next embodiment is identical to the technical solution shown in fig. 2, but the technical solution of the present specification is described from the perspective of a blockchain node. Accordingly, similar descriptions will not be provided in detail in the following embodiments, and reference is made to the description of fig. 2 for a specific operation.

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

step 302, in the case of receiving an asset issuing transaction initiated by an asset issuer, issuing balance to be distributed assets and liability to be distributed in a blockchain system to which the balance to be distributed and the liability to be distributed are equal in amount.

As described above, the asset issuer may issue the on-chain assets in different ways depending on the actual needs. In an embodiment, the blockchain node may issue, in the blockchain system to which the credit line of the first money transfer organization included in the asset issuer issue transaction belongs, a balance to be allocated and a liability to be allocated, which are equal to the credit line, respectively, according to the credit line of the first money transfer organization, where the balance to be allocated and the liability to be allocated are only allocated to the first blockchain account corresponding to the first money transfer organization, when the asset issuer issue transaction initiated by the asset issuer is received. In another embodiment, the blockchain node may issue, in the blockchain system to which the blockchain node belongs, balance to be allocated and liability to be allocated assets respectively equal to the issue amount included in the asset issue transaction, in response to receiving the asset issue transaction initiated by the asset issuer, the balance to be allocated and liability to be allocated assets being allocable into blockchain accounts corresponding to any money transfer institution.

And 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 money transfer mechanism, the balance assets to be distributed and the liability assets to be distributed which do not exceed the credit limit of the first money transfer mechanism are distributed to the first blockchain accounts corresponding to the first money transfer mechanism to serve as the available balance assets and the available liability assets corresponding to the first money transfer mechanism, wherein the amounts of the available balance assets and the available liability assets are equal.

After the on-chain asset is released, the balance to be distributed and the liability to be distributed, which do not exceed the credit line of the first money transfer organization, are 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, e.g., the first money transfer organization may cause the asset issuer to generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer, and send the corresponding asset credit transaction to the blockchain node; and under the condition that the asset credit transaction is received, the blockchain node can transfer balance assets to be distributed and liability assets to be distributed, which are equal to the asset amount contained in the asset credit transaction, into the first blockchain account. Wherein the asset amount does not exceed a credit limit of the first money transfer organization.

And 306, under the condition that a money transfer transaction initiated by the first money transfer organization and used for indicating to transfer money to the second money transfer organization is received, transferring 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 the asset issuance and asset credit are completed, money transfers may be made based on the available balance assets recorded in the first blockchain account. Specifically, the first money transfer mechanism may initiate a money transfer transaction to the block link point under the direction of the user, such that the block link point transfers an available balance asset in the first blockchain account that is equal to the money transfer amount to a second blockchain account corresponding to the second money transfer mechanism according to the money transfer amount included in the money transfer transaction.

As described above, the first money transfer organization may send the under-chain asset to the asset issuer for repayment when there are sufficient under-chain assets; after receiving the under-chain assets, the asset issuer can generate corresponding repayment transactions and send the repayment transactions to the blockchain node; the blockchain node may then deduct the available liability asset from the first blockchain account in equal amounts to the under-chain asset based on the received payment transaction.

As described above, the blockchain node may further calculate 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 point receives the repayment transaction, and record the liability interest in the first blockchain account; accordingly, the blockchain node may also issue an interest asset in the affiliated blockchain system that is attributed to the asset issuer, the interest asset being equal in amount to liability interest and being recorded in a third blockchain account corresponding to the asset issuer.

As described above, after the money transfer is completed, the assets in the second blockchain account may also be redeemed for the under-chain assets. In an embodiment, the available balance assets in the second blockchain account may be redeemed by default for the under-chain assets, e.g., the asset issuer may send an asset redemption transaction to the blockchain link after transferring an under-chain asset to the second money transfer organization that is equal to the amount indicated in the money transfer transaction; and the blockchain node may deduct a corresponding amount of the available balance asset from the second blockchain account based on the asset redemption transaction. In another embodiment, whether to redeem the on-chain asset as 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 receipt of the asset redemption transaction, may deduct a balance asset in a second blockchain account that is equal to the redemption amount indicated by the asset redemption transaction and send a redemption indication to an asset issuer to cause the asset issuer to transfer 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 redemption request to the asset issuer to cause the asset issuer to initiate a corresponding asset redemption transaction with the blockchain node deducting an available balance asset in the second blockchain account that is equal to the redemption amount indicated in the asset redemption transaction; it should be noted that the asset redemption request sent to the asset issuer is also used to instruct the asset issuer to remit an under-chain asset equal to the redemption amount described above to the second money transfer organization.

According to the technical scheme, the asset issuer in the specification can issue the balance asset to be distributed and the liability asset to be distributed on the chain at the same time in the blockchain system, so that the amount of the total asset on the chain issued by the asset issuer is 0, the situation that the money transfer organization has to carry out money transfer at the asset issuer when issuing the blockchain asset in the related technology is avoided, and further the situation that money transfer efficiency is low and money transfer cannot be carried out due to the money transfer is avoided.

The flow of money transfer by the credit giving method alone will be described below taking money transfer by money transfer organization a to money transfer organization B as an example.

FIG. 4 is an interactive diagram illustrating a blockchain system-based money transfer method in accordance with an exemplary embodiment of the present description. The method may comprise the steps of:

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

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

In practice, the asset issuer C may perform risk assessment based on data provided by the money transfer organization a. Of course, to avoid the situation where the money transfer organization a counterfeits data to promote its credit, the asset issuer C may also obtain relevant data of the money transfer organization a from a third party data provider. These relevant data may include data for a plurality of dimensions associated with money transfer organization a, for example, reputation data, historical money transfer records, and the like.

In step 402, the asset issuer C generates an asset issuing transaction based on the assessed credit line.

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

At step 403, the asset issuer C sends the generated asset issuing transaction to the blockchain system X.

In step 404, the blockchain system X issues the balance to be distributed and the liability to be distributed according to the credit line, the equity to be distributed in the asset distribution 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 balance assets to be distributed with an amount of 2000 and liability assets to be distributed with an amount of 2000.

In this embodiment, both the balance to be distributed and the liability to be distributed, which are issued, may be distributed only to the blockchain account a corresponding to the money transfer organization a, but only when the asset credit transaction is received, the asset distribution operation is performed. Prior to not receiving the asset credit transaction, the issued blockchain transaction may be recorded in the blockchain account C corresponding to the asset issuer C. At this time, the asset condition recorded in each blockchain account is as follows table 1:

Object(s)	Blockchain accounts	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 an asset credit request to asset issuer C.

In this embodiment, the money transfer organization a may cause the asset issuer C to generate a corresponding asset trust transaction by sending an asset trust request to the asset issuer C, and send the asset trust transaction to the blockchain system X. Based on this, the blockchain system X can perform asset allocation according to the credit amount indicated in the asset credit transaction.

In 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 trust transaction to the blockchain system X.

In step 408, the blockchain system X allocates a corresponding amount of balance assets to be allocated and liability assets to be allocated to the blockchain account a corresponding to the money transfer organization a according to the credit amount included in the credit transaction of the assets, so as to be used as the available balance assets and the available liability assets of the money transfer organization a.

In this embodiment, the credit amount included in the asset credit transaction is no greater than the credit limit of money transfer organization A. In other words, in the above example, the credit amount should not be greater than 2000.

With the above example in mind, assuming the credit amount is 500, then in this step blockchain system X may transfer 500 liability assets and 500 balance assets to blockchain account a corresponding to money transfer organization a to make money transfer organization a have sufficient on-chain assets for money transfer. After the asset transfer is completed, the asset conditions recorded in each blockchain account are shown in Table 2:

object(s)	Blockchain accounts	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 "asset credit is performed based on the asset credit request initiated by the money transfer organization" is described as an example, in actual operation, the asset issuer C may actively perform asset credit for the money transfer organization a, for example, the asset issuer C may send asset credit transactions to the blockchain system according to a preset period of time (e.g. daily) to complete distribution of the on-chain assets.

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

It will be appreciated that steps 401-408 have not entered the money transfer stage, but are prepared prior to making the money transfer. After the preparation is completed, the money transfer operation can be performed as needed.

In practice, the operations to be performed by the money transfer organization a are generally performed under the instruction of the user, for example, when the user 1 needs to transfer money to the user 2, a money transfer request may be sent to the money transfer organization a, so that the money transfer organization a generates a corresponding money transfer transaction and sends the corresponding money transfer transaction to the blockchain system X to instruct the blockchain system X to transfer money.

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

In this embodiment, the blockchain system X, upon receiving the money transfer transaction, may perform asset transfer according to the information therein. For example, the money transfer transaction includes information such as the amount of money transferred and the money transfer object.

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

object(s)	Blockchain accounts	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 Table 3

In step 411, blockchain system X calculates liability interest for money transfer organization A based on the payment time.

In this embodiment, liability interest of money transfer organization A may be further calculated and recorded in blockchain account a. Assuming a 1%/day interest rate, it is currently day 3 after asset credit (i.e., liability duration of 2 days). Then, the calculated liability interest is: 500×2×1% =10. At this time, the asset condition recorded in each blockchain account is as follows table 4:

TABLE 4 Table 4

Of course, table 4 is merely shown by taking "record liability interest alone" as an example, and in actual operation, since the asset type of liability interest belongs to liability assets, it may also be recorded together as liability assets, in which case: asset record cases for each blockchain account can be as follows in table 5:

object(s)	Blockchain accounts	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 an amount equal to liability interest and records the interest assets in a third blockchain account corresponding to the asset issuer.

It should be appreciated that neither the on-chain total assets recorded in Table 4 nor Table 5 are 0, while the off-chain total assets are still 0, obviously not conforming to the on-chain asset's issuing principles. In this embodiment, the balance assets with the amount equal to liability interest assigned to the asset issuer C are further issued to ensure that the total on-chain assets are equal to the total off-chain assets, which are all 0. At this time, the asset conditions recorded in each blockchain account are shown in table 6 or table 7 below:

Object(s)	Blockchain accounts	Balance assets	Liability assets	Liability interest	Interest asset
						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(s)	Blockchain accounts	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, the step of remittance institution A repayment to the asset issuer C, and the step of remittance institution B exchanging the on-chain asset for the off-chain asset may also be included. These two steps are described in detail above and are not described in detail here.

According to the technical scheme, the embodiment can issue liability assets and balance assets with the credit line of the money transfer organization and the like in the blockchain system according to the credit condition of the money transfer organization. After receiving the asset credit transaction, the blockchain system can transfer the balance assets and liability assets with corresponding amounts to the blockchain accounts corresponding to the money transfer mechanism for money transfer. Because the sum of balance assets and liability assets is 0, the present embodiment can issue assets without requiring money transfer organization to perform money transfer as in the related art, thereby avoiding the problems of incapability of transferring money and lower money transfer efficiency caused by poor fluidity of money transfer organization assets in the related art.

The above description is presented as follows: and the remittance flow is realized only through a credit way. However, in practice, even though there may be instances where there is insufficient under-chain assets for the money transfer due to poor asset liquidity, the money transfer organization is not, in most cases, free of under-chain assets for the money transfer. Therefore, in this specification, a money transfer method combining pad information and credit is also proposed.

Before describing the money transfer method, it should be stated that, in the method, most of the operation steps are consistent with the money transfer process implemented only by the credit way, for example, how to transfer money, how to pay money, how to calculate liability interest, etc., and the details of the method are described in the previous embodiment.

FIG. 5 is a flow chart illustrating another blockchain system-based money transfer method according to an exemplary embodiment of the present description. The method may comprise the steps of:

step 502, an asset issuer issues balance assets to be distributed and liability assets to be distributed in a blockchain system according to pad assets of a first money transfer organization at the asset issuer and credit limits of the first money transfer organization; and the balance to be distributed is equal to the sum of the pad asset and the credit line, and the liability asset to be distributed is equal to the credit line.

As described above, most operations in this embodiment can refer to the description of the previous embodiment, and will not be described in detail in this embodiment. It should be understood that the present embodiment differs from the previous embodiment in that: when the blockchain asset is issued, the embodiment issues the balance asset to be distributed based on the pad asset of the first money transfer organization at the asset issuer and the credit line of the first money transfer organization; and the liability assets to be distributed are still distributed according to the credit line. Correspondingly, when the distributed balance assets to be distributed and the liability assets to be distributed are distributed to the first blockchain accounts corresponding to the first money transfer mechanism, the distributed available balance assets are also changed to be not more than the sum of the pad asset and the credit line; the allocated available liability assets are still not greater than the credit line.

In step 504, the asset issuer allocates a first amount of balance assets to be allocated and a second amount of liability assets to be allocated to a first blockchain account corresponding to the first money transfer organization to serve as available liability assets and available balance assets corresponding to the first money transfer organization, respectively, where the first amount is not greater than the sum, and the second amount is not greater than the credit line.

It should be appreciated that the amount of total assets on the chain after the asset release is completed is exactly equal to the amount of the cushioned asset in this embodiment. It can be seen that the manner of asset distribution employed in this embodiment does not violate the distribution principle of the on-chain asset (i.e., ensures that the on-chain asset being distributed is consistent with the amount of the off-chain asset held by the asset issuer). As can be seen from the above description, the present embodiment can further increase the upper limit of money transfer amount in addition to solving the problem that money transfer cannot be performed due to insufficient money transfer assets in the related art, compared with the above embodiments. The upper limit of the money transfer amount in the above embodiment is: credit line; the upper limit of the money transfer amount in this embodiment is: credit line and total amount of the fund asset.

In step 506, the first money transfer organization sends a money transfer transaction to the blockchain system indicating to transfer money to a second money transfer organization, such that the blockchain system transfers the available balance assets in the first blockchain account that 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 the completion of the asset issuance and the asset credit, the first money transfer organization may perform money transfer operations based on the on-chain assets in the first blockchain account. Specifically, the first money transfer mechanism may initiate a money transfer transaction to the blockchain system at the direction of the user, such that the blockchain system transfers the balance assets in the first blockchain account that are equal to the money transfer amount to a second blockchain account corresponding to the second money transfer mechanism according to the money transfer amount included in the money transfer transaction.

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

As described above, the asset issuer facilitates the money transfer operation by the first money transfer organization, and thus, the asset issuer may also collect certain interest from the first money transfer organization. Specifically, the blockchain system may calculate 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 calculated liability interest in the first blockchain account. Accordingly, the asset issuer also needs to issue interest assets in the blockchain system that are themselves equal in amount to liability interests recorded in the first blockchain account and in a third blockchain account corresponding to the asset issuer.

As can be seen from the above technical solutions, according to the technical solutions of the present embodiments, the problem that money transfer cannot be performed due to the adoption of the padding method in the related art can be solved, and the upper limit of money transfer amount can be further increased. Specifically, since the amount of balance assets to be distributed issued in this embodiment is equal to "the sum of the credit line of the first money transfer organization and the pad assets of the first money transfer organization at the asset issuer", the upper limit of available balance assets that can be distributed by the first blockchain account correspondingly increases to "the sum of the credit line of the first money transfer organization and the pad assets of the first money transfer organization at the asset issuer". The available balance assets allocated in the first blockchain account are 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 disclosure further provides a money transfer method applied to a blockchain node corresponding to fig. 5, and in the next embodiment, most of the operation manners are similar to those of the foregoing embodiments, and the specific operation manners may refer to the descriptions of the foregoing embodiments, which are not repeated herein.

FIG. 6 is a flowchart illustrating another money transfer method applied to a blockchain node in accordance with an exemplary embodiment of the present description. The method may comprise the steps of:

step 602, when 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 first money transfer mechanism belongs according to the amount of the cushioned asset of the asset issuer and the credit line of the first money transfer mechanism, which are contained in the asset issuing transaction; and the balance assets to be distributed are equal to the sum of the amount of the pad assets and the credit line, and the liability assets to be distributed are equal to the credit line.

When the blockchain asset is issued, the embodiment issues the balance asset to be distributed based on the pad asset of the first money transfer organization at the asset issuer and the credit line of the first money transfer organization; and the liability assets to be distributed are still distributed according to the credit line. Correspondingly, when the distributed balance assets to be distributed and the liability assets to be distributed are distributed to the first blockchain accounts corresponding to the first money transfer mechanism, the distributed available balance assets are also changed to be not more than the sum of the pad asset and the credit line; the allocated available liability assets are still not greater than the credit line.

Step 604, according to an asset credit transaction initiated by the asset issuer when receiving an asset credit request sent by a first money transfer mechanism, distributing 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 the first money transfer mechanism, so as to respectively serve as available balance assets and available liability assets corresponding to the first money transfer mechanism, wherein the first amount is not greater than the sum, and the second amount is not greater than the credit line.

It should be appreciated that the amount of total assets on the chain after the asset release is completed is exactly equal to the amount of the cushioned asset in this embodiment. It can be seen that the manner of asset distribution employed in this embodiment does not violate the distribution principle of the on-chain asset (i.e., ensures that the on-chain asset being distributed is consistent with the amount of the off-chain asset held by the asset issuer). As can be seen from the above description, the present embodiment can further increase the upper limit of money transfer amount in addition to solving the problem that money transfer cannot be performed due to insufficient money transfer assets. Wherein, only the upper limit of money transfer amount when the assets on the chain are issued by the credit line is: credit line; the upper limit of the money transfer amount in this embodiment is: credit line and total amount of the fund asset.

Step 606, in the event that a money transfer transaction initiated by the first money transfer organization for indicating a money transfer to the second money transfer organization is received, transferring the available balance assets in the first blockchain account that 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 the completion of the asset issuance and the asset credit, the first money transfer organization may perform money transfer operations based on the on-chain assets in the first blockchain account. Specifically, the first money transfer mechanism may initiate a money transfer transaction to the block link point under the direction of the user, such that the block link point transfers an available balance asset in the first blockchain account that is equal to the money transfer amount to a second blockchain account corresponding to the second money transfer mechanism according to the money transfer amount included in the money transfer transaction.

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

As described above, the asset issuer facilitates the money transfer operation by the first money transfer organization, and thus, the asset issuer may also collect certain interest from the first money transfer organization. Specifically, the blockchain node may calculate 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 calculated liability interest in the first blockchain account. Accordingly, the asset issuer also needs to issue interest assets in the blockchain system that are themselves equal in amount to liability interests recorded in the first blockchain account and in a third blockchain account corresponding to the asset issuer.

As can be seen from the above technical solution, since the amount of the balance assets to be distributed issued in the present embodiment is equal to "the sum of the credit line of the first money transfer organization and the pad asset of the first money transfer organization at the asset issuer", the upper limit of the available balance assets that can be distributed by the first blockchain account correspondingly rises to "the sum of the credit line of the first money transfer organization and the pad asset of the first money transfer organization at the asset issuer". The available balance assets distributed in the first blockchain account are on-chain assets available for remittance, and it can be seen that the embodiment improves the upper limit of the remittance line compared with the mode of issuing the on-chain assets only through the credit line.

The flow of implementing money transfer with respect to pad money and credit is described below using the money transfer organization A to B as an example.

FIG. 7 is an interactive diagram of another blockchain system-based money transfer method as shown in an exemplary embodiment of the present description. The method may comprise the steps of:

in step 701, money transfer organization A sends an under-chain asset to asset issuer C as a pad asset.

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

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

In this embodiment, after receiving the pad information sent by the money transfer organization a, the asset issuer C may begin to perform risk assessment on the money transfer organization a, and the specific assessment method may refer to the description of fig. 4, which is not repeated herein.

In step 703, the asset issuer C generates an asset issuing transaction based on the assessed credit line and the amount of the gasketed asset.

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

At step 704, the asset issuer C sends the generated asset issuing transaction to the blockchain system X.

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

For example, assuming that in step 701, the amount of the pad assets sent by money transfer organization a to asset issuer C is 700 and the credit line obtained by risk assessment in step 702 is 2000, then in this step, blockchain system X may issue a balance to be distributed asset in an amount of 2700 and a liability to be distributed asset in an amount of 2000.

In this embodiment, both the balance to be distributed and the liability to be distributed, which are issued, may be distributed only to the blockchain account a corresponding to the money transfer organization a, but only when the asset credit transaction is received, the asset distribution operation is performed. Prior to not receiving the asset credit transaction, the issued blockchain transaction may be recorded in the blockchain account C corresponding to the asset issuer C. At this time, the asset conditions recorded in each blockchain account are as follows in table 8:

object(s)	Blockchain accounts	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, money transfer organization A sends an asset credit request to asset issuer C.

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

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

In step 709, the blockchain system X allocates a corresponding amount of balance assets to be allocated and liability assets to be allocated to the blockchain account a corresponding to the money transfer organization a according to the credit amount included in the credit transaction of the assets, so as to be used as the available balance assets and the available liability assets of the money transfer organization a.

In this embodiment, the credit amount included in the asset credit transaction is not greater than the sum of the credit line of the money transfer organization a and the above-mentioned cushioned 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 to be distributed issued in this embodiment is greater than the amount of liability assets to be distributed, in the process of asset credit granting, it may be determined preferentially whether the credit amount is greater than the amount of the pad asset, and if not, the liability assets to be distributed do not need to be transferred to the blockchain account a corresponding to the money transfer mechanism a; if so, a certain amount of liability assets to be distributed needs to be transferred to the blockchain account a.

Assuming that the credit amount is 500, then, in this step, blockchain system X only needs to transfer the 500 balance assets to blockchain account a corresponding to money transfer organization a. In this case, after the asset transfer is completed, the asset conditions recorded in the respective blockchain accounts are as shown in table 9:

object(s)	Blockchain accounts	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 the credit amount is 900, then in this step, blockchain system X would need to transfer the liability asset of 200 to blockchain account a corresponding to money transfer organization a in addition to the balance asset of 900 to blockchain account a corresponding to money transfer organization a. In this case, after the asset transfer is completed, the asset conditions recorded in the respective blockchain accounts are as shown in table 10:

Object(s)	Blockchain accounts	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

Table 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 assets in blockchain account a that are equal to the amount indicated by the money transfer transaction to blockchain account b.

Taking the above example (taking the credit case of table 10 as an example), it is assumed that the remittance object is the remittance organization B corresponding to the user 2, and the remittance amount is 200. Then blockchain system X may transfer the balance asset of 200 in blockchain account a to blockchain account B corresponding to money transfer institution B. After the transfer is completed, the asset profile recorded in each blockchain account is as follows in Table 11:

object(s)	Blockchain accounts	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, blockchain system X calculates liability interest for money transfer organization a based on the payment time.

In this embodiment, liability interest of money transfer organization A may be further calculated and recorded in blockchain account a. Assuming a 1%/day interest rate, it is currently day 3 after asset credit (i.e., liability duration of 2 days). Then, the calculated liability interest is: 200×2×1% =10. At this point (the following examples are all described on the basis of Table 11), the asset profile recorded in each blockchain account is as follows Table 12:

object(s)	Blockchain accounts	Balance assets	Liability assets	Liability interest
					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 shown by taking "record liability interest alone" as an example, and in actual operation, since the asset type of liability interest belongs to liability assets, it may also be recorded together as liability assets, in which case: asset record cases for each blockchain account can be as follows in table 13:

object(s)	Blockchain accounts	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

TABLE 13

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

It should be appreciated that neither the on-chain total assets recorded in Table 12 nor Table 13 are 0, while the off-chain total assets are still 0, obviously not conforming to the on-chain asset's issuing principles. In this embodiment, the balance assets with the amount equal to liability interest assigned to the asset issuer C are further issued to ensure that the total on-chain assets are equal to the total off-chain assets, which are all 0. At this time, the asset conditions recorded in each blockchain account are shown in table 14 or table 15 below:

object(s)	Blockchain accounts	Balance assets	Liability assets	Liability interest	Interest asset
						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(s)	Blockchain accounts	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

TABLE 15

As can be seen from the above technical solution, the present embodiment combines the manner of credit and money transfer, and is capable of issuing, in the blockchain system, a balance to be distributed asset equal to "sum of money transfer asset amount and credit" based on the credit limit of the money transfer organization and the money transfer asset of the money transfer organization at the asset issuer, thereby increasing the upper limit of the money transfer amount to "sum of money transfer asset amount and credit". Therefore, the technical scheme of the embodiment can solve the problem that money transfer cannot be performed due to insufficient money-filling assets in the related art, and can also improve the upper limit of money transfer amount.

Fig. 8 is a schematic block diagram of an apparatus according to an exemplary embodiment. Referring to fig. 8, at the hardware level, the device includes a processor 802, an internal bus 804, a network interface 806, a memory 808, and a non-volatile storage 810, although other hardware required by the service is also possible. One or more embodiments of the present description may be implemented in a software-based manner, such as by the processor 802 reading a corresponding computer program from the non-volatile memory 810 into the memory 808 and then running. Of course, in addition to software implementation, one or more embodiments of the present disclosure do not exclude other implementation manners, such as a logic device or a combination of software and hardware, etc., that is, the execution subject of the following processing flow is not limited to each logic unit, but may also be hardware or a logic device.

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

an issuing unit 901, configured to issue balance assets to be distributed and liability assets to be distributed in a blockchain system to which the balance assets to be distributed belong, where amounts of the balance assets to be distributed and the liability assets to be distributed are equal, when an asset issuing transaction initiated by an asset issuer is received;

the credit granting unit 902, according to the asset credit transaction initiated by the asset issuer when receiving the asset credit request sent by the first money transfer mechanism, allocates the balance asset to be allocated and the liability asset to be allocated, which do not exceed the credit limit of the first money transfer mechanism, to the first blockchain account corresponding to the first money transfer mechanism, so as to serve as the available balance asset and the available liability asset corresponding to the first money transfer mechanism, wherein the amounts of the available balance asset and the available liability asset are equal;

and the remittance unit 903 transfers the available balance assets in the first blockchain account, which are equal to the amount indicated in the remittance transaction, to a second blockchain account corresponding to the second remittance institution when receiving a remittance transaction initiated by the first remittance institution and used for indicating remittance to the second remittance institution.

Optionally, the issuing unit 901 is further configured to:

and 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 which are respectively equal to the credit limit in a block chain system to which the credit limit belongs according to the credit limit of a first money transfer mechanism contained in the asset issuing transaction, wherein the balance assets to be distributed and the liability assets to be distributed can only be distributed to a first block chain account corresponding to the first money transfer mechanism.

Optionally, the issuing unit 901 is further configured to:

and 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, which are respectively equal to the issuing amount, in a 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 into blockchain accounts corresponding to any money transfer organization.

Optionally, the trust unit 902 is further configured to:

and transferring balance assets to be distributed and liability assets to be distributed, which are equal to the asset amount contained in the asset credit transaction, into a first blockchain account according to the asset credit transaction initiated by the asset issuer under the condition that the asset credit request sent by the first money transfer mechanism is received, wherein the asset amount does not exceed the credit limit of the first money transfer mechanism.

Optionally, the method further comprises:

and a repayment unit 904 for deducting available liabilities of the under-chain assets from the first blockchain account according to a repayment transaction initiated by the asset issuer upon receiving the under-chain assets transmitted by the first money transfer organization.

Optionally, the method further comprises:

a calculating unit 905, configured to calculate 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 repayment transaction is received by the blockchain node, and record the liability interest in the first blockchain account; an interest asset attributed to the asset issuer is issued in the affiliated blockchain system, the interest asset being equal in amount to the liability interest and being recorded in a third blockchain account corresponding to the asset issuer.

Optionally, the method further comprises:

an exchange unit 906 that deducts a corresponding amount of the available balance asset from the second blockchain account based on an asset exchange transaction initiated by the asset issuer upon transferring an under-chain asset equal to the amount indicated in the money transfer transaction to the second money transfer organization; or alternatively, the process may be performed,

Under the condition that an asset exchange transaction initiated by a second money transfer mechanism is received, deducting balance assets in a second blockchain account, which are equal to the exchange amount indicated by the asset exchange transaction, and sending an exchange indication to the asset issuer so that the asset issuer transfers the corresponding amount of the off-chain assets to the second money transfer mechanism; or alternatively, the process may be performed,

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 when the asset exchange request sent by the second money transfer organization is received; wherein the asset redemption request is further for instructing the asset issuer to remit an under-chain 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 device shown in fig. 8 to implement the technical solution of the present specification. Wherein, the money transfer device based on the blockchain system may include:

an issuing unit 1001 configured to issue balance assets to be distributed and liability assets to be distributed in a blockchain system to which the balance assets to be distributed belong, the balance assets to be distributed and the liability assets to be distributed being equal in amount, when receiving an asset issuing transaction initiated by an asset issuer;

A credit granting unit 1002, configured to allocate balance assets to be allocated and liability assets to be allocated, which do not exceed a credit line of a first money transfer mechanism, to a first blockchain account corresponding to the first money transfer mechanism according to an asset credit transaction initiated by the asset issuer when receiving an asset credit request sent by the first money transfer mechanism, where the balance assets and liability assets are used as available balance assets and available liability assets corresponding to the first money transfer mechanism, and the amounts of the available balance assets and the available liability assets are equal;

and a money transfer unit 1003, when receiving a money transfer transaction initiated by the first money transfer organization and used for indicating to transfer money to the second money transfer organization, for transferring the available balance assets in the first blockchain account, which are equal to the amount indicated in the money transfer transaction, to the second blockchain account corresponding to the second money transfer organization.

Optionally, the method further comprises:

and a repayment unit 1004, deducting the available liability assets with the under-chain assets from the first blockchain account according to the repayment transaction initiated by the asset issuer when the under-chain assets sent by the first remittance institution are received.

Optionally, the method further comprises:

a calculating unit 1005 that calculates 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 repayment transaction is received by the blockchain system, and records the liability interest in the first blockchain account; an interest asset attributed to the asset issuer is issued in the affiliated blockchain system, the interest asset being equal in amount to the liability interest and being recorded in a third blockchain account corresponding to the asset issuer.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. A typical implementation device is a computer, which may be in the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email 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 volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

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 storage media for a computer 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, read only 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 or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by the computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

The terminology used in the one or more embodiments of the specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the specification. As used in this specification, one or more embodiments 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 or 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, these 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 of the present description. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "responsive to a determination", depending on the context.

The foregoing description of the preferred embodiment(s) is (are) merely intended to illustrate the embodiment(s) of the present invention, and it is not intended to limit the embodiment(s) of the present invention to the particular embodiment(s) described.

Claims

1. A blockchain system-based money transfer method, 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 in the blockchain system according to the credit line of the first money transfer mechanism, wherein the balance assets to be distributed and the liability assets to be distributed can only be distributed to the first blockchain account corresponding to the first money transfer mechanism.

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, and the balance assets to be distributed and the liability assets to be distributed can be distributed into blockchain accounts corresponding to any remittance institutions.

4. The method of claim 2 or 3, the asset issuer assigning balance to be assigned and liability to be assigned assets that do not exceed a credit line of a first money transfer organization to corresponding first blockchain accounts of the first money transfer organization, comprising:

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

5. The method of claim 1, further comprising:

a first money transfer organization sending an off-chain asset to the asset issuer to cause the asset issuer to send a repayment transaction to the blockchain system; the repayment transaction is to instruct the blockchain system to deduct an available liability asset equivalent to the under-chain asset from a first blockchain account.

6. The method of claim 5, further comprising:

the blockchain system calculates liability interest corresponding to the available liability assets at the repayment time based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, and records the liability interest in the first blockchain account;

the asset issuer issues interest assets in the blockchain system that are attributed to the asset issuer in an amount equal to the liability interest and are recorded in a third blockchain account corresponding to the asset issuer.

7. The method of claim 1, further comprising:

the asset issuer reminds an under-chain asset equal to the amount indicated in the remittance transaction to a second remittance institution and sends an asset redemption transaction to the blockchain system to instruct the blockchain system to deduct a corresponding amount of available balance assets from a second blockchain account; or alternatively, the process may be performed,

The blockchain system receives an asset exchange transaction sent by a second money transfer mechanism, deducts available balance assets in a second blockchain account, which are equal to the exchange amount indicated by the asset exchange transaction, and sends an exchange indication to the asset issuer so that the asset issuer transfers corresponding amounts of the downlink assets to the second money transfer mechanism; or alternatively, the process may be performed,

the asset issuer, upon receiving an asset redemption request sent by a second money transfer transaction, initiates an asset redemption transaction to the blockchain system to instruct the blockchain system to deduct an available balance asset in a second blockchain account that is equal to the redemption amount indicated in the asset redemption transaction and to send an under-chain asset equal to the redemption amount to a second money transfer organization.

8. A blockchain system-based money transfer method, comprising:

9. The method of claim 8, further comprising:

10. The method of claim 9, further comprising:

11. A money transfer method based on a blockchain system, applied to blockchain nodes, comprising:

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

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

14. The method according to claim 12 or 13, wherein the allocating balance to be allocated and liability to be allocated, which do not exceed the credit line of the first money transfer organization, to the first blockchain account corresponding to the first money transfer organization according to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first money transfer organization, includes:

15. The method of claim 11, further comprising:

and deducting the available liability assets with the under-chain assets from the first blockchain account according to a repayment transaction initiated by the asset issuer when the under-chain assets sent by the first remittance institution are received.

16. The method of claim 15, further comprising:

calculating liability interest corresponding to the available liability assets at the repayment time based on the time when the available liability assets are received by the first blockchain account and the repayment time when the repayment transaction is received by the blockchain node, and recording the liability interest in the first blockchain account;

An interest asset attributed to the asset issuer is issued in the affiliated blockchain system, the interest asset being equal in amount to the liability interest and being recorded in a third blockchain account corresponding to the asset issuer.

17. The method of claim 11, further comprising:

deducting a corresponding amount of available balance assets from a second blockchain account based on an asset redemption transaction initiated by the asset issuer upon remittance of an under-chain asset equal to the amount indicated in the remittance transaction to a second money transfer organization; or alternatively, the process may be performed,

18. A money transfer method based on a blockchain system, applied to blockchain nodes, comprising:

19. The method of claim 18, further comprising:

and deducting the available liability assets equivalent to the under-chain assets from the first blockchain account according to a repayment transaction initiated by the asset issuer when the under-chain assets sent by the first remittance institution are received.

20. The method of claim 19, further comprising:

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

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

22. A money transfer apparatus based on a 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 is configured to implement the method of any 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, implement the steps of the method of any of claims 11-20.