CN114358946A

CN114358946A - Block chain-based mortgage lending method and device

Info

Publication number: CN114358946A
Application number: CN202210037397.6A
Authority: CN
Inventors: 王吉元
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2022-01-13
Filing date: 2022-01-13
Publication date: 2022-04-15

Abstract

The present disclosure discloses a block chain-based mortgage lending method and apparatus, wherein an intelligent contract for mortgage lending a first NFT asset is deployed on the block chain, and the method includes: receiving a mortgage request of a holder of the first NFT asset; in response to the mortgage request, invoking the first intelligent contract to evaluate the first NFT asset and determine an amount of loan; sending the loan to an account of the sender of the mortgage request.

Description

Block chain-based mortgage lending method and device

Technical Field

The disclosure relates to the technical field of block chains, in particular to a mortgage lending method and device based on a block chain.

Background

Non-homogeneous tokens (NFTs) are a special type of encrypted asset that circulates over a blockchain. In the prior art, the transaction of the NFT assets is limited to the purchase and sale of the NFT assets, so that the liquidity of the NFT assets is poor.

Disclosure of Invention

In view of the above, the present disclosure provides a block chain-based mortgage lending method and device to solve the problem of poor NFT asset mobility.

In a first aspect, a method for mortgage lending based on a blockchain on which an intelligent contract for mortgage lending a first NFT asset is deployed is provided, the method comprising: receiving a mortgage request of a holder of the first NFT asset; in response to the mortgage request, invoking the first intelligent contract to evaluate the first NFT asset and determine an amount of loan; sending the loan to an account of a sender of the mortgage request.

Optionally, the method further includes invoking the first intelligent contract to change the ownership of the first NFT asset to the first intelligent contract in response to the mortgage request.

Optionally, the method further comprises, in response to repayment of the loan by the original holder of the first NFT asset, invoking the first smart contract to return the ownership of the first NFT asset to the original holder of the first NFT asset

Optionally, a second intelligent contract is deployed on the blockchain, the second intelligent contract is used for pricing the first NFT asset, and the invoking the first intelligent contract to evaluate the first NFT asset includes: invoking the second smart contract with the first smart contract to determine an valuation of the first NFT asset as a function of historical holders and/or transactional data of the first NFT asset.

Optionally, the determining a current transaction price of the first NFT asset from historical holders and/or transaction data of the first NFT asset comprises: determining a first transaction price for the first NFT asset based on the value data of the historical bearer; determining a current transaction price of the first NFT asset as a function of the first transaction price and a historical transaction price of the first NFT asset.

Optionally, the determining a current transaction price of the first NFT asset from historical holders and/or transaction data of the first NFT asset comprises: determining a second transaction price for the first NFT asset based on the historical transaction price for the first NFT asset; determining a current transaction price of the first NFT asset based on the latest transaction price and the second transaction price of the first NFT asset.

Optionally, the determining a second transaction price of the first NFT asset according to the historical transaction price of the first NFT asset includes: determining a first transaction price for the first NFT asset based on the value data of the historical bearer; determining the second transaction price according to the first transaction price and the historical transaction price.

Optionally, the determining a first transaction price for the first NFT asset from the value data of the history holder includes: and determining the first transaction price according to the grade of the historical holder and the pre-established corresponding relation between the grade of the holder and the price.

Optionally, the loan is calculated proportionally to the valuation of the first NFT property.

In a second aspect, there is provided a blockchain-based mortgage lending apparatus having disposed thereon an intelligent contract for mortgage lending a first NFT asset, the apparatus comprising: a receiving unit configured to receive a mortgage request of a holder of the first NFT asset; a first calling unit configured to call the first intelligent contract to evaluate the first NFT asset and determine a loan amount in response to the mortgage request; a sending unit configured to send the loan to an account of a sender of the mortgage request.

Optionally, the apparatus further includes a second invoking unit configured to invoke the first intelligent contract in response to the mortgage request to change the ownership of the first NFT asset to the first intelligent contract.

Optionally, the apparatus further includes a third invoking unit configured to invoke the first smart contract to return the ownership of the first NFT asset to the original holder of the first NFT asset in response to the original holder of the first NFT asset repaying the loan.

Optionally, a second intelligent contract is deployed on the blockchain, the second intelligent contract is used for pricing the first NFT asset, and the first invoking unit is configured to invoke the second intelligent contract with the first intelligent contract to determine the valuation of the first NFT asset according to the historical holder and/or transaction data of the first NFT asset.

Optionally, the first invoking unit is configured to determine a first transaction price of the first NFT asset according to the value data of the history holder; determining a current transaction price of the first NFT asset as a function of the first transaction price and a historical transaction price of the first NFT asset.

Optionally, the first invoking unit is configured to determine a second transaction price of the first NFT asset according to a historical transaction price of the first NFT asset; determining a current transaction price of the first NFT asset based on the latest transaction price and the second transaction price of the first NFT asset.

Optionally, the first invoking unit is configured to determine a first transaction price of the first NFT asset according to the value data of the history holder; determining the second transaction price according to the first transaction price and the historical transaction price.

Optionally, the value data of the history holder is a rating of the history holder,

the first calling unit is configured to determine the first transaction price according to the grade of the history holder and a pre-established corresponding relation between the grade of the holder and the price.

In a third aspect, there is provided a block chain based mortgage lending apparatus comprising a memory having stored therein executable code and a processor configured to execute the executable code, the method according to the first aspect being implemented.

In a fourth aspect, there is provided a computer readable storage medium having stored thereon executable code which, when executed, is capable of implementing the method of the first aspect.

In a fifth aspect, there is provided a computer program product comprising executable code which, when executed, is capable of implementing the method of the first aspect.

According to the technical scheme provided by the embodiment of the disclosure, the intelligent contract used for mortgage lending the NFT assets is deployed on the block chain, and the intelligent contract is called to estimate the NFT assets and complete the mortgage lending transaction, so that the financial attributes of the NFT assets are exerted to the maximum extent, and the fluidity and the utilization rate of the NFT assets are improved.

Drawings

Fig. 1 is an exemplary diagram of a block chain system according to an embodiment of the disclosure.

Fig. 2 is an exemplary diagram of a system architecture provided by an embodiment of the present disclosure.

Fig. 3 is an exemplary diagram of a first intelligent contract versus asset ownership management for a mortgage loan lifecycle of NFT assets provided by an embodiment of the disclosure.

Fig. 4 is a schematic diagram of an estimation model data structure according to an embodiment of the present disclosure.

Fig. 5 is a diagram illustrating an example of an NFT asset valuation method according to an embodiment of the present disclosure.

Fig. 6 is a diagram illustrating another example NFT asset valuation method provided by an embodiment of the present disclosure.

Fig. 7 is a schematic diagram of another NFT asset valuation method provided by the embodiment of the disclosure.

Fig. 8 is a schematic flow chart illustrating block chain-based mortgage lending according to an embodiment of the disclosure.

Fig. 9 is a schematic diagram of an on-chain data structure of an NFT asset according to an embodiment of the present disclosure.

Fig. 10 is a schematic structural diagram of a block chain-based mortgage lending device according to an embodiment of the disclosure.

Fig. 11 is a schematic structural diagram of another block chain-based mortgage lending device according to an embodiment of the disclosure.

Detailed Description

The technical solutions in the embodiments of the present disclosure are clearly and completely described below, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments.

Block chain (Blockchain)

The blockchain is a distributed chain storage accounting technology based on a cryptographic technology. The block chain technology can prevent and maintain a large amount of data in a decentralized or multi-centric mode, has the characteristics of distribution, non-tamper property, traceability, safety, credibility and the like, and is widely applied to multiple fields.

Fig. 1 is an exemplary diagram of a block chain system provided in an embodiment of the present disclosure. Referring to fig. 1, a block chain system 100 may include a block chain network 120 and a block chain user end (or ue) 110.

Blockchain network 120 is a typical distributed collaborative system. The system includes a plurality of blockchain nodes, such as node 120-a, node 120-B, and node 120-C … … 120-N in the figure, which may collectively maintain an ever-increasing distributed data record. The recorded data can protect the content and the time sequence through a cryptographic technology, so that any party is difficult to tamper, repudiate and counterfeit. The blockchain nodes may be devices with computing capabilities, such as servers, groups of servers, blockchain chips, etc., where the groups of servers may be centralized or distributed. In other implementations, the server may also be a server that provides services for a cloud platform.

In a blockchain, data (e.g., transaction information, transaction execution results, etc.) may be encapsulated in the form of blocks (blocks). The tiles may be linked to each other by a forward reference to form a "chain," i.e., a chain of tiles. In general, the first block in a block chain may be referred to as an "originating block" or an "initial block", the one block in the block chain that precedes the current block as a "previous block", and the one block in the block chain that follows the current block as a "subsequent block".

In general, a tile may include a tile head and a tile body. The block header may contain basic information of the current block to ensure that the current block can correctly enter the block chain. For example, the chunk header may record a chunk hash value of a chunk immediately preceding the current chunk. As another example, the block header may also record the block height of the current block. The block height is called "block height" for short, and is used to identify the position of the block in the block chain. Typically, the starting block has a block height of 0. The block body can be used for recording transaction information. The transaction information may include, for example, information such as transaction amount and transaction data.

The user terminal 110 is a terminal that can use the blockchain service. The user terminal 110 can link to a node in the blockchain network 120 to obtain blockchain services. In some embodiments, the ue 110 may obtain the blockchain service by initiating a blockchain transaction (abbreviated as transaction, which may also be referred to as a request), that is, the ue 110 may generate a transaction and send the generated transaction to the blockchain network 120.

The users of the blockchain can use the blockchain service through the user terminal 110. As an implementation manner, the blockchain user may log in its own blockchain account through the user terminal 110, and initiate a transaction request to the blockchain network through the corresponding blockchain account.

In some embodiments, the blockchain user signs all operations on the blockchain with a private key, the blockchain user holding an absolute holder of the private key to the account. That is, if the blockchain user loses the private key, the maintenance rights of the blockchain account corresponding to the private key are lost. In some embodiments, a blockchain user may maintain their own blockchain accounts. The private key may be a randomly generated set of strings, and in some embodiments, the private key may be a string known only to the blockchain user himself.

Digital signature is a technology for encrypting and decrypting information based on a cryptographic algorithm, the digital signature technology can encrypt the information to generate a ciphertext which cannot be forged, and in some embodiments, the information transmission can encrypt an original text by using a digital signature and then transmit the encrypted text to a receiver. In some embodiments, the message may be sent using a digital signature to encrypt the original and private messages together for transmission to the recipient, thus confirming the authenticity of the message. The digital signature can also decrypt the encrypted original text to complete verification of the original text so as to verify the correctness and integrity of the original text. In some embodiments, the digital signature may use a particular hash function, with different hash values for different text.

As an example, the blockchain user may encrypt a digital signature of the operation information on the blockchain and a private key, and the blockchain user may verify the signature through a public key to verify non-repudiation of the signature, so as to prevent a third party from impersonating the private key to perform the signature.

Intelligent contract

An intelligent contract is a set of commitments defined in digital form, including agreements on which contract participants can execute the commitments. In other words, a smart contract may be understood as a piece of program deployed on a computer system, and the smart contract may be automatically executed when a trigger condition of the smart contract is satisfied.

The presence of blockchains provides technical support for the implementation of intelligent contracts. The smart contract is written into the block chain in a digital form, and the characteristics of the block chain technology ensure that the whole process of storing, reading and executing the smart contract is transparent, traceable and not easy to modify. On the other hand, a set of state machine system can be constructed by the block chain self-contained consensus algorithm, so that the intelligent contract can run efficiently.

In some implementations, the user can invoke the intelligent contract by submitting a transaction to the blockchain system, set the data recorded in the intelligent contract, and store the set intelligent contract in the blockchain. Accordingly, when a specific condition of the intelligent contract is triggered, the block chain nodes can execute the intelligent contract and record the execution result of the intelligent contract and the execution state of the intelligent contract.

At present, different types of block chains are built according to the own industry structure of each industry and certain fields (such as finance, public welfare, insurance, cross-border payment and the like) in the industry, and valuable information and assets in the industry or industry are recorded on the block chains.

NFT asset

Blockchains may publish blockchain assets or on-chain assets. Blockchain assets include both types of homogeneous assets and non-homogeneous assets. A homogeneous asset may also be referred to as a homogeneous currency. For example, ethernet coins are a typical homogeneous asset. Non-homogeneous assets are also referred to as non-homogeneous tokens or non-homogeneous vouchers (NFTs). NFT has the advantage of non-interchangeability and uniqueness, and can be used to mark ownership of an article, to mark ownership of a digital article, such as game skins, digital artwork, etc., and to mark ownership of a physical asset, such as a collection of art, an real property certificate, an identification certificate, etc.

The disclosed embodiments provide a mortgage loan transaction scheme based on NFT assets. For ease of understanding, some concepts or processes involved in mortgage lending are described below.

In a mortgage loan transaction, a borrower (an asset holder) may register a mortgage on the property under the name of the lender (or the mortgage under the name of a trusted bank, third party trust company), the lender may adjust the loan proportion based on the valuation of the property and deliver the loan funds to the borrower, who returns the loan due. The asset mortgage loan lifecycle may describe the entire course of the asset mortgage loan in a time dimension, with some embodiments beginning the mortgage loan lifecycle when the borrower makes a mortgage loan request and ending the asset mortgage loan lifecycle when the borrower returns the loan itself. That is, the entire life cycle of the asset mortgage loan from the borrower making the mortgage loan request to the borrower returning the loan balance.

As an example, a borrower may register a mortgage on a property under the name of a bank, and the bank may evaluate the price of the property before determining the amount of the mortgage loan, for example, the property may be offered by a professional evaluation company, and there are many factors that affect the price of the property, such as the section, age, area, recency, and the like. With the property assessment quote, the bank may loan at 70% of the assessment quote, i.e., the borrower may obtain a mortgage loan amount of 70% of the property estimate by mortgaging the property.

In some embodiments, the borrower and lender may implement a mortgage loan based on the blockchain. As mentioned above, the blockchain is not tampered with, and is secure and reliable, so that the problem of mutual trust between the borrower and the lender can be solved by performing mortgage loan on the blockchain.

As one implementation, the borrower may upload a mortgage contract, which may be an electronic version of the contract, that both parties have signed up to the blockchain. After the block link receives the mortgage loan contract uploaded to the block link, the intelligent contract can be called to carry out uplink storage on transaction contents in the contract; alternatively, the authorization data in the mortgage contract may be processed according to specific processing rules during the mortgage loan period, for example, the repayment may be automatically transferred from the borrower account on the repayment date.

As mentioned above, NFT assets have the advantage of non-interchangeability and uniqueness, and can be used to mark ownership of an item, with certain value and currency. Thus, the borrower may make NFT assets on the blockchain available to mortgage loans. The borrower may use existing chained NFT assets to mortgage lending, or may chain physical assets and convert them to NFT assets for mortgage lending, for example, the borrower may chain property and convert them to non-interchangeable and unique NFT assets.

To implement a mortgage loan transaction over the chain of blocks, an estimate of the value of the NFT assets in the chain is made, and the amount of the loan is determined based on the estimated asset price. For example, a borrower mortgages a restricted card from the block chain of cheelam a, and determines how much loan may be loaned to the borrower based on the value of the property of the card.

This presents a problem for NFT asset pricing because NFT asset attributes are numerous and different from each other. For example: how to define the asset value of a restricted card in Durala A Meng. It is because of the difficult pricing of the NFT assets that makes it difficult to participate in financial activities, such as mortgage loan transactions, as a universal asset, which makes the NFT assets less mobile.

In order to solve the above problem, embodiments of the present disclosure provide an asset mortgage lending method based on a blockchain technology, where an intelligent contract for mortgage lending NFT assets is deployed on a blockchain, and the intelligent contract is invoked to evaluate the NFT assets and complete a mortgage lending transaction. The method solves the problem that the mortgage loan transaction is difficult to carry out, realizes the feasibility of the mortgage loan of the NFT assets, exerts the financial attribute of the NFT assets to the maximum extent and improves the liquidity of the NFT assets.

Fig. 2 is an exemplary diagram of a system architecture provided by an embodiment of the present disclosure. As illustrated in fig. 2, an NFT asset holder may implement mortgage lending of NFT assets based on a blockchain. As an example, NFT holder a may mortgage NFT assets over a blockchain and obtain mortgages for the NFT assets, and when the mortgages are redeemed by NFT holder a, the assets may be redeemed from the blockchain.

In the block chain-based mortgage lending method provided by the embodiment of the disclosure, an intelligent contract for mortgage lending NFT assets is deployed on the block chain. In some embodiments, the intelligent contract may comprise a first intelligent contract.

The first intelligent contract may be that a blockchain user is deployed on a blockchain node, and the blockchain user may be a person, a bank, a third party lending platform, and the like, which is not limited by this disclosure. For example, in the blockchain system shown in fig. 1, user a may link to a node in blockchain 120 to deploy a first intelligent contract.

When the block chain user deploys the first intelligent contract, the borrowing and lending rule of the first contract can be set according to the requirement of the block chain user. The first intelligent contract may be used to define NFT asset types, which may be asset brand attributes, and in some embodiments may be set to mortgage lending only certain brands of assets, e.g., the first intelligent contract may be set to mortgage lending only the brands of starbucks of assets. The first intelligent contract may also be used to define a loan amount, for example, the first intelligent contract may be set to loan an asset at 70% of its valuation.

There may be multiple first intelligent contracts on a blockchain for the same NFT asset. As one example, bank a may deploy a first intelligent contract a on the blockchain that may mortgage the NFT asset 1 for 60 days, with the debit amount being 70% of the valuation of asset 1. The lending platform a may deploy a first intelligent contract B on the blockchain that may mortgage lending NFT asset 1 for 90 days with an amount of lending 80% of the valuation of asset 1.

In some embodiments, the NFT asset holder may also set up a first intelligent contract with the blockchain user and deploy it on the blockchain. That is, the NFT asset holder may negotiate the rules of the first intelligent contract with the blockchain user, which may speed up the progress of the mortgage loan transaction.

In some embodiments, the first intelligent contract may also make changes to ownership within the asset mortgage lifecycle. That is, the first intelligent contract may alter the ownership of the asset from the time the borrower makes a mortgage loan request to the time the borrower returns the loan balance for a complete asset mortgage loan lifecycle. Fig. 3 is a diagram illustrating a first intelligent contract versus asset ownership change over an asset mortgage lifecycle. As can be seen in fig. 3, a first intelligent contract may lock an NFT asset in the intelligent contract during lending, the intelligent contract holding reversible ownership of the NFT asset. In the property mortgage stage, the first intelligent contract can change the ownership of the property to be mortgaged from the user A (UserA) into the first intelligent contract, and after the user A repays the loan, the first intelligent contract can be called to return the ownership of the mortgage property to the user A. Thus, the NFT asset holder can acquire the assets for other production and management activities without losing the ownership of the NFT assets, and the liquidity of the NFT assets is enhanced.

In some embodiments, a first intelligent contract may also be used to evaluate NFT assets, the first intelligent contract may be set as a computing program that evaluates NFT assets, the first intelligent contract may also invoke a second intelligent contract that may price NFT assets to implement the evaluation of NFT assets, the second intelligent contract may be deployed in a blockchain node.

In some embodiments, the second smart contract may be an evaluation model deployed on a block link point. Fig. 4 provides a data structure diagram of an evaluation model, as can be seen from fig. 4, input data of the evaluation model is historical holder data and historical transaction data, output data of the evaluation model is rating logs and tag data, and the evaluation model may further include fixed data security information data.

Wherein the asset history holder information may be the asset ownership history holder information, i.e., the NFT asset ownership history holder information. In some embodiments, asset history holder information may include asset ID, holder last name, holder gender, holder certificate information, and the like, and holder certificate information may also include information related to certificate number, certificate type, certificate name, certificate status, and the like.

The historical transaction data may be transaction information for the asset, for example, when a transaction occurs for the asset, the asset transaction data may be used to record information such as an asset ID, a transaction account, a transaction price, and a transaction time for the transaction.

The rating log may be a rating of the asset to assist in managing the asset tag. In some embodiments, the sales volume of NFT assets may be rated according to the assets' transaction data to determine which are hot sales products. In other embodiments, the value of the NFT assets may be ranked according to the valuation of the assets to determine which are high value assets.

Tags may be used to record asset attributes, and assets having multiple attributes may correspond to multiple asset tags. For example, the attributes of an NFT asset may be hot-sell, cartoon, and high-value, with the corresponding asset having three tags, hot-sell, cartoon, and high-value.

The security information data may be security encrypted data of assets, and different assets have different security encrypted data, that is, one NFT asset corresponds to one security information data.

In the estimation model shown in fig. 4, the input to the model is dynamically variable, and thus the output of the model is also dynamically variable. As an implementation, the input data of the valuation model, i.e., the historical holder data and the historical transaction data in fig. 4, can be automatically updated according to a time dimension (e.g., hour/day/week/month), the updating can be driven by the transaction behavior data of the NFT asset, and the automatic updating of the input data drives the automatic updating of the model output data, i.e., the rating log and the tag data in fig. 4, so as to ensure the accuracy and the real-time performance of the asset valuation.

The method for valuation pricing of NFT assets by the second smart contract is described below in conjunction with FIGS. 5, 6, and 7.

In some embodiments, the second smart contract may determine a current trading price for the NFT asset from historical holder data and/or trading data for the NFT asset.

NFT asset historical holder data and NFT asset transaction data may be obtained from a blockchain, such as the valuation model shown in fig. 4.

The NFT asset has the advantages of non-interchangeability and uniqueness, and the historical asset holder value can be used to characterize the value of the asset, which is also often an important factor affecting the trading value of the NFT asset. The higher the reputation or value of the historical holder, the more valuable the asset it owns. In some cases, more valuable assets tend to be of higher value to valuable holders, e.g., property holders with a high wealth tend to hold properties, and in other cases, historical holders with a higher reputation have more valuable assets, e.g., famous people have, even if normal, than valuable. Therefore, it is reasonable to evaluate the value of an asset based on the information of the history holder of the asset.

The transaction data can be the transaction information of the asset, and the transaction data visually reflects the transaction condition of the asset.

In some embodiments, the current transaction price for the asset may be determined with reference to a historical transaction price, which may be all transaction prices for the NFT asset, or the transaction prices for the NFT asset over a preset time range, such as 5 years, 10 years.

In other embodiments, the current transaction price may be determined with reference to a latest transaction price, which may be a last transaction price, a last two transaction price, a last N transaction price, or if multiple, may be averaged over multiple transaction prices.

In determining the NFT asset current transaction price, the current price may be determined based on the asset history holder, based on the asset transaction data, or a combination of both to determine the current transaction price for the asset.

As one example, a first transaction price for the NFT asset may be determined based on historical bearer value data, and then a current transaction price may be determined from the historical transaction price. In this way, historical trading prices can be used to compensate for this, which makes asset price validation more accurate.

In some embodiments, the first transaction price is compensated by averaging the historical transaction price and the first transaction price, or by averaging the difference between the historical transaction price and the first transaction price, and compensating the average value for the first transaction price.

The historical trading price can be a median or average of the historical trading prices, for example, when the sample size is greater than or equal to 100, the historical trading price can be selected as the median; when the number of samples is less than 100, the historical transaction price may be averaged.

The value of the holder can be quantified to a certain extent by the historical holder value data, and the value of the holder can be quantified by the relevant information of the holder.

In some embodiments, the value of an asset holder may be measured by information on the property of the holder, the nature of the work, the amount of real property, the running of bank funds, academic calendars, and the like.

In some embodiments, the value of the asset holder may be measured by information such as the amount of asset transactions, frequency of asset transactions, amount of asset transactions on the blockchain.

The representation of the historical holder value may be in the form of a rating, for example, the historical holder value may be ranked 1,2, 3 … … N, with higher ratings giving the holder a higher value. As another implementation, the history holder value may be rated by information about the history holder, for example, by rating the history holder based on one or more of the above-mentioned information.

When the asset value is evaluated according to the value of the history holder of the asset, the first transaction price may be determined according to the level of the history holder and a pre-established correspondence between the holder level and the price. In this way, the value of the asset history holder can be equated with the NFT asset price for evaluation.

In some embodiments, the asset history holder value rating may be pre-established to correspond to the asset price interval in order to determine asset price intervals for different levels of asset holders. Table 1 gives an example of an asset history holder and asset valuation interval rating correspondence. For example, in Table 1, if the historical asset holder value rating is 5, the valuation interval for the asset is [1001,20000], and if the historical asset holder value rating is 8, the valuation interval for the asset is [60001,10000 ]. The higher the historical bearer value rating in table 1, the higher the corresponding asset valuation interval.

Historical bearer value rating	Evaluation interval
		Level 1	[1,1000]
Level 2	[1001,3000]
		Level 3	[3001,5000]
Level 4	[5001,10000]
		Level 5	[10001,20000]
Level 6	[20001,40000]
		Level 7	[40001,60000]
Level 8	[60001,10000]

An example of determining the current transaction price of an NFT asset based on historical bearer value data and historical transaction prices is given below in conjunction with fig. 5. As shown in fig. 5, this example presents a computational process for determining NFT assets based on historical bearer value data and historical transaction prices.

The historical bearer value rating for the asset shown in the figure is level 5, with the corresponding asset price estimate being [10000,20000], i.e., the first transaction price is between [10000,20000 ]. The historical trading price is the median 12000 of the historical trading price for the asset. The current trading price of the asset is calculated by taking the average of the median of the first trading price and the median of the historical trading price, i.e., (15000+ 12000)/2.

When there are multiple history holders, the history holder value rating may be a median of all history holder ratings or an average of all history holder ratings. For example, when the sample size is equal to or greater than 100, a median may be selected; when the number of samples is less than 100, the history may be averaged. When there is only one history holder, the history holder value rating may be the value rating of the holder.

As another example, a second trading price may be determined based on the historical trading price for the asset, and then the second trading price may be updated based on the latest trading price to obtain the current trading price.

The second transaction price may be a relatively stable long-term price, with the latest transaction price taking into account short-term fluctuations, and combining the long-term stable price and the short-term fluctuating price to make the calculated current price of the NFT asset more reasonable.

In some embodiments, the second transaction price may be derived from a historical transaction price. The second transaction price may be an average of the historical transaction prices or may be a median of the historical transaction prices.

An example of obtaining second transaction data based on historical transaction prices and determining a current transaction price based on the second transaction data and a latest transaction price is given below in conjunction with fig. 6, which shows the calculation process.

In fig. 6, the second trade price is the median of the historical trade price of the asset, the median of the historical trade price is 13500, that is, the second trade price is 13500, and the latest trade price is 14000, the second trade price is compensated by the latest trade price, the difference between the two is calculated and averaged, and the average is compensated to the second trade data, so that the latest trade data of the asset is 13750.

In some embodiments, the first transaction price may be determined based on value data of the historical holder, and the first transaction price may be compensated based on the historical transaction price to determine the second transaction price. That is, the asset price obtained from the historical holder value data is used as a reference price, and the historical transaction price is used for compensating the reference price, so that the second transaction price is more accurate.

An example of compensating a first transaction price based on historical holder value data and determining a current price for an asset based on a second transaction price is given below in conjunction with fig. 7, which illustrates the calculation process shown in fig. 7.

As shown in fig. 7, the historical bearer value rating for the asset is level 5, with the corresponding asset price estimate being [10000,20000], i.e., the first transaction price is between [10000,20000 ]. The historical trading price is the median 12000 of the historical trading price for the asset. The first trade price [10000,20000] is used as a reference price to compensate for the first trade price using the asset price 12000 derived from the historical trade price. The median value of the first trade price 15000 and the median value of the historical trade price of the asset 12000 are averaged to obtain a second trade price of 13500. The latest transaction price is 14000, the second transaction price is compensated by the latest transaction price, the difference value of the two transaction prices is calculated and averaged, and the average value is compensated on the second transaction data to obtain 13750 the latest transaction data of the asset.

In fig. 5-7, the valuation factor a may be historical holder value data, such as a historical holder value rating, the valuation factor B may be historical transaction data, such as a median of the historical transaction data, and the compensation factor C may be a latest transaction price, such as a latest transaction price. In some embodiments, the valuation factor may also be referred to as an valuation factor, e.g., valuation factor A may be referred to as valuation factor A.

The following describes the block chain-based mortgage lending method provided by the embodiment of the present disclosure in detail with reference to fig. 8.

The method illustrated in fig. 8 may be performed by a mortgage lending platform. The mortgage lending platform may be used to manage the NFT asset based mortgage lending process. The mortgage lending platform may operate in any type of electronic device. For example, the mortgage lending platform may run on a server. A user (e.g., the holder of the NFT asset) may access the mortgage lending platform through a client.

As shown in fig. 8, at step S810, a mortgage request for a holder of a first NFT asset is received.

The first NFT asset may be understood as the asset identified by the first NFT. The assets can be, for example, physical objects such as collections of paintings, or virtual objects such as characters and equipment in games. The first NFT asset may be any of the NFT assets mentioned in the embodiments of the present disclosure.

The first NFT asset may be generated on the blockchain prior to mortgage of the first NFT asset. For example, NFT assets can first be published on a blockchain using NFT MINT.

In some embodiments, the temporary transfer of ownership of the first NFT asset may occur after the holder of the first NFT asset successfully mortgage the first NFT asset. In this case, the holder of the first NFT asset may become the original holder (or debtor) of the first NFT asset. The present holder (or creditor) of the first NFT asset may be, for example, a smart contract on the blockchain, or may be another user of the blockchain.

The mortgage request may include one or more of the following information: information related to the first NFT asset, information related to the holder of the first NFT asset, etc. The related information of the first NFT asset may include, for example, an asset ID, asset introduction information, etc. of the asset on the blockchain. The information of the holder of the first NFT asset may include, for example, one or more of the following information of the holder of the first NFT asset: identity information, transaction account information, expected loan amount, etc.

In response to the mortgage request, a first intelligent contract is invoked to rate the first NFT property and determine an amount of loan, at step S820.

As previously mentioned, there may be multiple first intelligent contracts for the same NFT asset on a blockchain system, and the appropriate first intelligent contract may be selected before invoking the intelligent contract to price the asset. For example, a mortgage request from a first NFT asset mortgage may be screened for match, and then a first intelligent contract with a high match may be selected for mortgage lending.

After responding to the mortgage request of the first NFT asset holder, the smart contract may be invoked for mortgage lending the NFT asset. For example, the first NFT property may be evaluated and the amount borrowed may be determined by invoking the first intelligent contract described above.

As another implementation, the first intelligent contract may invoke the second intelligent contract described above to determine an estimate of the first asset.

The loan may be calculated as a percentage of the valuation of the first NFT asset, and in some embodiments the loan may be calculated as a percentage of the valuation of the NFT asset, for example, 70% of the valuation of the first NFT asset as the loan.

The loan may also be dynamically adjusted by the intelligent contract, and in some embodiments the ratio of loans to asset valuations in the intelligent contract may be adjusted, i.e., different first intelligent contracts may provide different loan ratios for selection by the first NFT asset holder. In this way, a first NFT asset holder may select a different first smart contract according to its own needs, maximizing the first NFT asset holder's benefits.

At step 830, the loan is sent to the account of the sender of the mortgage request.

When loan is sent to the account of the sender of the mortgage request, loan may be sent to the account of the sender through a third-party payment platform, for example, online bank transfer, paymate platform transfer, and the like.

From the above, it can be seen that the mortgage lending method based on the blockchain technology provided by the embodiment of the disclosure can call an intelligent contract to evaluate the NFT asset and complete the mortgage lending transaction of the NFT asset. The method solves the problem that the NFT mortgage loan transaction is difficult to carry out, realizes the feasibility of the NFT asset mortgage loan, gives full play to the financial attribute of the NFT asset to the maximum extent, and improves the fluidity and the utilization rate of the NFT asset.

In some embodiments, the on-asset-status-chain data may also be generated after the mortgage loan transaction is completed, and may be recorded in the intelligent contract. FIG. 9 shows a schematic diagram of data on an asset state chain. As can be seen from the figure, the on-chain data includes an on-chain mortgage relationship data model and an on-chain loan relationship data model.

The on-chain mortgage relationship model may include: NFT identification, original holder account, present holder account, mortgage time. The NFT identifier may be used to identify the NFT asset, and in some embodiments, the NFT identifier may be an NFT asset ID recorded in the blockchain. The owner account may be account information of the owner of the asset ownership, e.g., account information of the first NFT asset holder in this disclosure. The account information of the bearer may be account information of the users of the blockchain providing the loan, and the users of the blockchain providing the loan may be loan platforms of individuals, banks, or third parties, and the disclosure does not limit the types of users of the blockchain providing the loan.

The on-chain lending relationship model data may further include: NFT identification, mortgage proportion, mortgage time valuation, mortgage time. The NFT identifier may be used to identify the NFT asset, and in some embodiments, the NFT identifier may be an NFT asset ID recorded in the blockchain. The mortgage proportion may be the ratio of loan to asset valuation, with 70% of the NFT asset valuation being loaned in some embodiments. The at-mortgage valuation may be the valuation of the asset at the time of the mortgage transaction, which in some embodiments may be obtained by invoking a computational model. The mortgage time may be used to record the time of the mortgage debit transaction, and in some embodiments, the time at which the mortgage debit transaction is completed.

Method embodiments of the present disclosure are described in detail above in conjunction with fig. 1-9, and apparatus embodiments of the present disclosure are described in detail below in conjunction with fig. 10 and 11. It is to be understood that the description of the method embodiments corresponds to the description of the apparatus embodiments, and therefore reference may be made to the preceding method embodiments for parts not described in detail.

Fig. 10 is a schematic structural diagram of a block chain-based mortgage lending device according to an embodiment of the disclosure. The block chain-based mortgage lending apparatus 1000 shown in fig. 10 may include a receiving unit 1010, a first calling unit 1020, and a sending unit 1030.

The receiving unit 1010 may be configured to receive a mortgage request of a holder of the first NFT asset.

The first invoking unit 1020 may be configured to invoke the first smart contract to value the first NFT property and determine an amount of loan, in response to the mortgage request.

The sending unit 1030 may be configured to send the loan to an account of the sender of the mortgage request.

Optionally, the mortgage lending device 1000 may further include a second invoking unit, which may be configured to invoke the first intelligent contract to change the ownership of the first NFT asset to the first intelligent contract in response to the mortgage request.

Optionally, the mortgage lending device 1000 may further include a third invoking unit, which may be configured to invoke the first smart contract to return the ownership of the first NFT asset to the original holder of the first NFT asset in response to the original holder of the first NFT asset repaying the loan.

Fig. 11 is a block chain-based mortgage lending apparatus according to another embodiment of the disclosure, wherein the apparatus 1100 may include a memory 1110 and a processor 1120. Memory 1110 may be used to store executable code. The processor 1120 may be configured to execute executable code stored in the memory 1110 to implement the steps of the various methods described previously. In some embodiments, the apparatus 1100 may further include a network interface 1130, and the data exchange between the process 1120 and the external device may be implemented through the network interface 1130.

In the above embodiments, all or part of the implementation may be realized by software, hardware, firmware or any other combination. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The procedures or functions described in accordance with the embodiments of the disclosure are, in whole or in part, generated when the computer program instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., Digital Video Disk (DVD)), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

In the several embodiments provided in the present disclosure, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present disclosure may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.

The above description is only for the specific embodiments of the present disclosure, but the scope of the present disclosure is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present disclosure, and all the changes or substitutions should be covered within the scope of the present disclosure. Therefore, the protection scope of the present disclosure shall be subject to the protection scope of the claims.

Claims

1. A blockchain-based mortgage lending method, the blockchain having deployed thereon an intelligent contract for mortgage lending a first NFT asset,

the method comprises the following steps:

receiving a mortgage request of a holder of the first NFT asset;

in response to the mortgage request, invoking the first intelligent contract to evaluate the first NFT asset and determine an amount of loan;

sending the loan to an account of a sender of the mortgage request.

2. The method of claim 1, further comprising:

in response to the mortgage request, invoking the first intelligent contract to change the ownership of the first NFT asset to the first intelligent contract.

3. The method of claim 2, further comprising:

invoking the first smart contract to return the ownership of the first NFT asset to the original holder of the first NFT asset in response to the original holder of the first NFT asset repaying the loan.

4. The method of claim 1, the blockchain having a second intelligent contract deployed thereon for pricing the first NFT asset,

the invoking the first smart contract to evaluate the first NFT asset, comprising:

invoking the second smart contract with the first smart contract to determine an valuation of the first NFT asset as a function of historical holders and/or transactional data of the first NFT asset.

5. The method of claim 4, the determining a current transaction price for the first NFT asset from historical holders and/or transaction data for the first NFT asset, comprising:

determining a first transaction price for the first NFT asset based on the value data of the historical bearer;

determining a current transaction price of the first NFT asset as a function of the first transaction price and a historical transaction price of the first NFT asset.

6. The method of claim 4, the determining a current transaction price for the first NFT asset from historical holder and/or transaction data for the first NFT asset comprising:

determining a second transaction price for the first NFT asset based on the historical transaction price for the first NFT asset;

determining a current transaction price of the first NFT asset based on the latest transaction price and the second transaction price of the first NFT asset.

7. The method of claim 4, the determining a second transaction price for the first NFT asset as a function of a historical transaction price for the first NFT asset comprising:

determining the second transaction price according to the first transaction price and the historical transaction price.

8. The method of claim 5 or 7, wherein the value data of the history holder is a rating of the history holder,

said determining a first transaction price for said first NFT asset from said historical bearer's value data, comprising:

and determining the first transaction price according to the grade of the historical holder and the pre-established corresponding relation between the grade of the holder and the price.

9. The method of claim 1, wherein said loan is calculated proportionally to an valuation of said first NFT property.

10. A mortgage lending apparatus based on a blockchain on which intelligent contracts for mortgage lending a first NFT asset are deployed,

the device comprises:

a receiving unit configured to receive a mortgage request of a holder of the first NFT asset;

a first calling unit configured to call the first intelligent contract to evaluate the first NFT asset and determine a loan amount in response to the mortgage request;

a sending unit configured to send the loan to an account of a sender of the mortgage request.

11. The apparatus of claim 10, further comprising:

a second invoking unit configured to invoke the first intelligent contract to change the ownership of the first NFT asset to the first intelligent contract in response to the mortgage request.

12. The apparatus of claim 11, further comprising:

a third invoking unit configured to invoke the first smart contract to return the ownership of the first NFT asset to the original holder of the first NFT asset in response to the original holder of the first NFT asset repaying the loan.

13. The apparatus of claim 10, a second intelligent contract deployed on the blockchain, the second intelligent contract for pricing the first NFT asset,

the first invoking unit is configured to invoke the second smart contract with the first smart contract to determine an evaluation of the first NFT asset as a function of historical holder and/or transactional data of the first NFT asset.

14. The apparatus of claim 13, the first invocation unit configured to determine a first transaction price for the first NFT asset as a function of the value data of the history holder; determining a current transaction price of the first NFT asset as a function of the first transaction price and a historical transaction price of the first NFT asset.

15. The apparatus of claim 13, the first invocation unit configured to determine a second transaction price for the first NFT asset as a function of a historical transaction price for the first NFT asset; determining a current transaction price of the first NFT asset based on the latest transaction price and the second transaction price of the first NFT asset.

16. The apparatus of claim 13, the first invocation unit configured to determine a first transaction price for the first NFT asset as a function of the value data of the history holder; determining the second transaction price according to the first transaction price and the historical transaction price.

17. The apparatus of claim 14 or 16, the value data of the history holder being a rating of the history holder,

18. The apparatus of claim 17, wherein the loan is calculated proportionally to an estimate of the first NFT property.

19. A blockchain-based mortgage lending apparatus comprising a memory having stored therein executable code and a processor configured to execute the executable code to implement the method of any one of claims 1-9.