CN115545918A - Dynamic link construction method, digital asset transaction method and system - Google Patents

Abstract

The invention discloses a dynamic link construction method, a digital asset transaction method and a system, wherein an intention participant of digital asset transaction registers and receives auditing on an asset transaction platform, and an admitted transaction party fills a digital asset list of respective planned participation transactions, and submits a transaction benefit division mechanism and submits the auditing; during transaction, a buyer initiates a digital asset request, a seller receiving the transaction carries out price negotiation with a seller, after the negotiation is successful, the asset transaction authorization is requested on a platform, the seller packs the digital asset of an authorizer and pushes the digital asset to the buyer, the buyer initiates payment transfer, the seller carries out digital wallet transfer operation on all asset holders involved in the transaction or agents thereof, and after all the operation is successful, the platform marks the completion of the transaction and collects and generates a transaction whole-process report for auditing. The invention alleviates or even solves the trust problem and the poor problem in data circulation, and simultaneously reduces the data circulation difficulty and the internal consumption cost in the whole industry.

Description

Dynamic link construction method, digital asset transaction method and system

Technical Field

The invention particularly relates to a dynamic link construction method, a digital asset transaction method and a system.

Background

In recent years, the development of the credit investigation system in China has made an important progress. The data plays a very important role as a key production element for the construction of a future credit system, and the beauty vision of the digital credit society seems to be near the eye. However, the real development situation is not ideal. In general, big data-based credit remains challenging in many ways.

From the aspect of data circulation, one has the trust problem of data. In a broad sense, the big data industry in China is huge, data sources in various industries are various, data circulation is complicated, data quality is uneven, and a credit investigation organization is difficult to screen and evaluate 'credible data sources' in the industries. The two problems are poor data. For a specific service, the data dimension loss, the lack of data samples, the insufficient/untimely data supplement and the like required by establishing a service model and a process are common problems, so that the service development effect is poor, the service cold start time is greatly increased, and even the service failure is directly caused. The third problem is the regulation of data circulation. For the participants in the industry, a relatively reliable and effective data source is provided, and how to exchange/trade data in a relatively low-cost and rapid manner on the premise of compliance is achieved, but the participants do not fight against, build and carry out operation separately, so that the difficulty of data circulation and the internal consumption cost in the whole industry are increased, and the intelligence of a policy maker and a supervisor is needed.

Disclosure of Invention

Aiming at the defects in the prior art, the invention provides a dynamic link construction method, a digital asset transaction method and a digital asset transaction system.

The present invention achieves the above-described object by the following technical means.

A dynamic link construction method comprises the following steps:

initiating a digital asset request by a potential buyer of a digital asset transaction on a digital asset transaction platform; if the seller accepts the transaction, a price negotiation request is sent to the buyer through the platform;

after the buyer and the seller negotiate the price successfully, according to the asset object identity, transaction information is sent to all holders associated with the digital asset or agents thereof through the platform and asset transaction authorization is requested; the seller packs the digital assets of the authorizer and pushes the digital assets according to the provided callback address;

after receiving the digital assets, the buyer initiates the transaction payment transfer of the digital wallet to the seller on the platform in time and feeds back transaction evaluation information to the platform; after receiving the account, the seller timely initiates the digital wallet transfer operation to all the asset holders or agents thereof related to the transaction;

and after all operations are successful, the platform marks the completion of the transaction and collects and generates a transaction whole-process report for auditing.

Further, the digital asset request comprises a request body identification, a digital asset list, a demand quantity, a negotiation timeout time, an execution timeout time, a callback address and encryption key information.

Further, in the price negotiation process, both the buyer and the seller need internal verification, price negotiation/game of the buyer and the seller are carried out for multiple times, and if the time consumed in the whole negotiation process exceeds the preset negotiation timeout time when the asset request is initiated, the negotiation process is cancelled by the platform.

Further, the authorizer authorizes a portion of the indicia/tags or all of the indicia/tags upon authorization, and the seller preferably packages the digital assets of all of the authorizers.

Furthermore, the callback address belongs to a digital asset transaction platform, and the platform automatically records complete transaction information and a process log; the callback address belongs to private of the buyer, and the seller initiatively reports the transaction information to the platform.

A digital asset transaction method comprises the dynamic link construction method, and further comprises the following steps: the trading parties fill in the digital asset lists of the respective parties to participate in the trade, and the trading interest sharing mechanisms and the auditing are submitted.

Further, the digital assets need to be structured in the form of indexes/tags/key values and the like by adopting strong type metadata standard definition, and are subjected to anonymization processing according to privacy requirements.

Further, still include: all the intention participants of the digital asset transaction need to register on the digital asset transaction platform, accept the qualification verification of the supervising party, and after being authenticated and allowed to enter and the supervision guarantee money is stored in the digital wallet of the supervising party on the platform, the party can participate in the digital asset transaction.

A digital asset transaction system comprising:

the admission module is used for registering an intention participant of the digital asset transaction on the digital asset transaction platform and auditing the qualification of the intention participant by a supervisor;

the transaction module comprises a transaction preparation sub-module, a transaction negotiation sub-module and a transaction execution sub-module;

the transaction preparation submodule is used for the transaction party to fill the digital asset list and the transaction benefit dividing mechanism which are respectively planned to participate in the transaction and submit the examination and verification;

the transaction negotiation submodule is used for carrying out price negotiation between the buyer and the seller;

the transaction execution submodule is used for authorizing the asset transaction by an authorizer, initiating transaction payment transfer by a buyer, pushing the digital asset by a seller and performing digital wallet transfer operation on all asset holders involved in the transaction or agents thereof by the seller.

The invention has the beneficial effects that:

(1) The invention utilizes a standardized and unified regional or even national digital asset transaction platform to strictly supervise and audit the information and the behaviors of the intention participants, encourages legally-compliant digital asset transaction, fully exerts the important function of data as production elements, and relieves or even solves the trust problem and the poverty problem in data circulation to a certain extent;

(2) For the regulation problem in data circulation, the invention establishes a method for constructing a dynamic trading link, ensures that all parties in digital asset trading can carry out digital asset trading in a relatively low-cost and rapid mode no matter in an on-site or off-site mode on the premise of meeting the regulation, greatly reduces the threshold of a plurality of participants lacking operation and technical ability to enter a digital asset trading market, and further reduces the data circulation difficulty and the internal consumption cost in the whole industry to a certain extent.

Drawings

Fig. 1 is a flow chart of an admission phase according to the present invention;

fig. 2 is a flow chart of the transaction phase of the present invention.

Detailed Description

The invention will be further described with reference to the following figures and specific examples, but the scope of the invention is not limited thereto.

1. Related definition and constraint of digital assets

In the present invention, a digital asset is defined as an asset which is held by a natural human subject or a legal human subject, exists in the form of electronic data or can be described/expressed in the form of electronic data. To further simplify the digital asset definition and make it more clearly perceived under certain business scenarios, some additional constraints are added to it:

1. digital assets can be conveniently structured using technical means.

For example, the business and business registration information of an enterprise is described in the form of a relational database (or a two-dimensional table), the relational database defines a plurality of attribute fields of a described object (i.e., an enterprise), such as a unified social credit code, an established date, registered capital, a registered place, an industry classification, and the like, and has corresponding attribute data, i.e., values of the attribute fields. Besides, the digital assets are structured in a form of Key Value Store (i.e. Key Value Store, which can be converted into a two-dimensional table form in practice), and the like.

2. Digital assets are quantifiable.

The measurement of the data volume is very easy on the premise that the assets are structured, and the comprehensive measurement can be directly carried out on the number of attribute fields, the number of data items, the number of Key Value Pairs (Key Value Pairs) and the like. In a particular scenario of digital asset trading, the asset price may be measured on a different value basis, such as pricing based on the digital asset's production investment, or assessing based on the business value/benefit that the asset may produce throughout the trading circulation. Metering practices and experiences with prices are often evolving over the course of the market's complex gambling. In addition, in actual operation, measurement and evaluation for data volume and price need to be performed in a centralized manner and in a combined manner, and cannot be split, and in most scenes, different attribute sets have very different business values, so that a measurement mechanism needs to be comprehensively considered according to the situation (Case by Case) of a specific scene Case.

2. Multiple roles in digital asset transactions and roles played thereby

1. Digital asset Exchange center (DAE: digital Assets Exchange): namely a digital asset trading platform, referred to as a platform for short, to which government-related regulatory agencies have ownership and host construction. All participants in the trading market (including supervisors, digital asset agents, digital asset traders and digital asset holders) conduct their respective business tasks by means of the platform, such as supervision, audit, data operations, digital asset trading, etc.

2. The monitoring party: mainly is a government related regulatory agency, and also can be a third-party professional evaluation/audit agency officially authorized and entrusted by the government agency.

3. Digital asset agents: an operating organization which flexibly operates the digital assets held by the digital asset holders by legal compliant agent identities to maximize the asset value needs to have legal qualification and can enter a digital asset trading market after strict examination and admission. The digital asset broker obtains a corresponding service commission by providing the service to the proxied person.

4. Digital asset traders: i.e., a buyer or seller in a digital asset transaction. Note that whether the buyer or seller is required to be legal, the digital asset transaction may be engaged after approval by the regulator. (this constraint is established for feasibility considerations of market trading regulatory audits due to the sheer volume of natural population that may be involved in digital asset trading).

5. Digital asset holders: a natural or legal subject that has ownership over the digital asset.

3. Scenario mode of digital asset transactions

Scenario 1-digital asset transaction vendor and digital asset holder are different principals (called authorized or three-way transactions): the parties may proceed with the transaction by requiring authorization by the digital asset holder or by delegating their agents (i.e., digital asset agents) before the transaction is performed by the buyer and seller. In this scenario, it is necessary for the seller to be in a position if a natural person or digital asset agent participates in the transaction.

Scenario 2-digital asset transaction seller and digital asset holder are the same subject (referred to as a direct transaction or two-party transaction): at the time of transaction, the seller can evaluate and review the transaction feasibility by himself to decide whether to continue the transaction.

It is particularly noted that, for compliance, regulatory reasons, no direct digital asset transactions between natural human subjects are permitted, nor are natural human or natural human digital asset agents permitted to participate in digital asset transactions as buyers in transactions.

4. Digital asset transaction overall process

Fig. 1 and 2 depict the most complex digital asset transaction process in scenario 1.

For scenario 1, the digital asset transaction process is described as follows:

p1 Admission phase (Admission Control)

As shown in fig. 1, all the intended participants of the digital asset transaction need to register on the digital asset transaction platform, receive the qualification audit of the supervising party, and can participate in the digital asset transaction after being authenticated and approved and storing the supervision guaranty into the supervising party behind the digital wallet of the platform. The amount of the supervision deposit can be set by integrating information such as registered capital, financial operation condition and the like of the legal owner. All audited admitted participating principals are continually supervised.

A registration information table to be submitted by a legal person subject applying for participating in a transaction is shown in table 1 (including but not limited to the following information, related information can be applied for change on a platform, and a supervisor can be disclosed on the platform after passing the audit):

TABLE 1 market Admission Application

The digital asset standard catalog is pre-established by a government regulatory organization by referring to relevant national standards/industry standards, such as industry gate/big/middle/small four-level classification in national standards, hierarchical classification management method in the field of data management, and the like.

The main filing information of the digital asset inventory to be involved in the transaction is shown in table 2.

TABLE 2 pseudo-registered Digital asset Catalog C (Standard Digital Assets Catalog)

For the natural person main body applying for participating in the transaction, the transaction can be participated after the registration and real-name authentication of the digital asset transaction platform are passed (or the digital asset transaction can be indirectly participated by signing an agent agreement with the digital asset agent).

P2, transaction phase (Exchange and Trading)

As shown in fig. 2, the trading stage progression is subdivided into 3 sub-stages: p2-1: transaction Preparation phase (Preparation), P2-2: transaction Negotiation phase (Negotiation), P2-3: transaction Execution phase (Execution).

P2-1: transaction Preparation phase (Preparation)

Each trading party fills in the digital asset list to be participated in the trading, and the trading interest sharing mechanism and the digital asset list are submitted for examination.

Wherein, the transaction benefit sharing mechanism refers to the benefit sharing mechanism of the transaction seller and the digital asset holder after the transaction is completed. When the transaction seller and the digital asset holder are the same subject, the division mechanism is not effective actually, or can be used as a reference for the management and control of the internal operation cost of the subject; when the transaction seller and the digital asset holder are different subjects, after the digital asset transaction is completed (the seller receives the digital wallet transfer of the transaction of the buyer), the seller needs to initiate the digital wallet transfer operation of all asset holders related to the transaction or agents thereof in time. If the digital asset agent is responsible for collecting money, further benefit sharing is performed according to a service agreement previously signed with the agent. One of the most naive trade benefit division mechanisms is the benefit affiliate division by percentage of the total price of the trade, e.g., 20% of the total price of the trade as the division given to the holder of the digital asset. The digital asset holder or its agent may also decide whether to approve the transaction based on this split information during the transaction execution phase.

The digital assets need to adopt strong type metadata standard definition to structure the forms of indexes/labels/key values and the like (namely, the indexes/labels/key values and the like are refined to specific attribute field granularity), anonymization processing is carried out according to specific privacy requirements (for example, sensitive attributes such as main identity and the like), and finally a two-dimensional table or a key value table is formed (in fact, the key value table can also be processed and converted into a two-dimensional table form). Measures of anonymization include, but are not limited to: partial masking, hash conversion, symmetric encryption, continuous numerical discretization, and the like.

The digital asset trading platform will build different search indexes for structured digital assets. The main target attributes that can be searched in full-text fuzzy search include digital asset directory name, asset entry (i.e. index/tag), and corresponding description of the asset entry. A reference digital asset list such as shown in table 3:

TABLE 3 pseudo-trading Digital asset List A1 (Digital Assets Man for Exchange)

The "anonymization" column represents whether the real data record of the asset entry is anonymized in the response data packet corresponding to the digital asset request and the anonymization processing mode, for example, hash conversion or discretization processing of continuous numerical values such as logarithmic amount is performed on the enterprise unified social credit code. Moreover, according to the requirement, additional detailed description is provided for the anonymization processing measure for potential users to view and acquire information; the "must choose" attribute represents whether the corresponding asset item in the digital asset request must choose (i.e. whether the index/tag can be omitted in the request, and the supplier and requester can flexibly choose the digital asset item of interest to some extent according to the self-needs); the "pricing range" represents a single data record price range for this asset entry.

An example of the actual data content of a digital asset list is shown in table 4:

TABLE 4 digital asset List A1 data content

The digital asset list is subjected to auxiliary auditing based on the existing asset counterfeiting screening tool, and after the auditing is passed, the digital asset list is broadcasted to all the access transaction parties, and the asset listing information is disclosed, and can be freely retrieved by all participants in the market.

P2-2 transaction Negotiation stage (Negotiation):

the transaction negotiation phase and the transaction execution phase jointly form a core process of the digital asset transaction and also comprise a construction process of a transaction dynamic link.

The potential Buyer for digital asset transactions, buyer1, is free to retrieve on the platform (using a search index) and initiate requests for digital assets through the platform (request logs are recorded by the platform), encrypting the specific request information using the public key of the Seller, seller1 (PubKey 1). The key information description of the request is shown in table 5 (including but not limited to the following information):

TABLE 5 digital asset request Req (A1)

The seller receiving the intention transaction request decrypts the specific information of the request by using a private key (PrivKey) of the seller, performs internal verification, and decides to reject the transaction or accept the transaction. If the seller accepts the transaction, a price negotiation request is initiated to the buyer through the platform, the buyer performs internal verification after receiving the price negotiation request and asynchronously returns an expected price, the price negotiation/game of the buyer and the seller can be performed for a plurality of times until the two parties reach a consistent price, the negotiation is successful, or the time consumed in the whole negotiation process exceeds the preset negotiation timeout time when the asset request is initiated, the negotiation process is automatically cancelled by the platform, a process log is recorded for auditing, and the record can be used as the basis for credit evaluation of the participants. Note that the negotiation process is performed on the platform and the interaction between the buyer and seller is asynchronous due to the uncertainty of the time consuming audit actions.

If the transaction negotiation is successful within the preset timeout range, entering a transaction execution stage.

P2-3 transaction Execution phase (Execution):

after the negotiation with the buyer is successful, the transaction seller can initiate broadcasting to all holders associated with the digital asset or agents thereof through the platform according to the asset object identity in the digital asset, notify transaction information and request asset transaction authorization. An authorizer, upon authorization, may authorize some or all of the metrics/tags (e.g., authorize some or all of the metrics/tags in table 3). The seller would record all authorization record information/authorization lists and when accounting for the authorizer list, preferably make all authorized authorizers at the time of authorization operations, package the digital assets they hold to perform subsequent transactions. And when the transaction execution timeout reaches the requested data size within the transaction execution timeout range preset by the transaction request, the seller converts the structured digital asset list and the asset object identification into a local data query request according to the authorizer list, generates an asset data packet, and calls a related system interface to push the digital asset according to a callback address provided by a requester/buyer. Note that the asset package needs to be encrypted using the requestor public key. The callback address belongs to the digital asset transaction platform (namely 'on-site' transaction), and the platform automatically records complete transaction information and process logs; the callback address belongs to a private system of the buyer (namely 'off-site' transaction), and the seller actively reports transaction information to the platform. Whether the callback address belongs to the digital asset transaction platform or the buyer system, the platform finally records the detailed information of the transaction whole process (including a partial authorization or a full authorization list of all authorizations), and can comprehensively audit the transaction by a plurality of means such as a system automatic mode, a three-party human auditing mode and the like (the auditing process is the prior art), thereby restricting the transaction party from developing the key behavior of the transaction outside the field. After receiving the digital assets delivered by the seller, the buyer needs to initiate the transaction payment transfer of the digital wallet to the seller on the platform in time and feed back transaction evaluation information to the platform, and after receiving the account, the seller needs to initiate the digital wallet transfer operation to all asset holders or agents thereof related to the transaction in time. After all operations are completed successfully, the platform marks that the transaction is completed and automatically collects and generates a transaction overall process report for auditing.

The transaction information that the platform needs to record includes, but is not limited to, the following, see table 6:

TABLE 6 transaction information recorded by the platform

For scenario 2:

scenario 2 is a simplified version of the transaction process of scenario 1. When the digital asset transaction is completed to the negotiation stage and successfully ended, the transaction seller and the digital asset holder are the same body, so that the seller can evaluate the transaction feasibility by self, and the evaluation process implies an authorization process for the digital asset transaction. The rest of the process of scenario 2 is the same as scenario 1, and is not described again.

A digital asset transaction system comprising: an admission module and a transaction module; the admission module is used for registering an intention participant of the digital asset transaction on the digital asset transaction platform and auditing the qualification of the intention participant by a supervisor; the transaction module comprises a transaction preparation sub-module, a transaction negotiation sub-module and a transaction execution sub-module; the trade preparation submodule is used for the trading party to fill the digital asset list and the trade interest division mechanism which are respectively planned to participate in the trade and submit the examination; the trade negotiation submodule is used for carrying out price negotiation on the buyer and the seller; and the transaction execution submodule is used for authorizing the asset transaction by an authorizer, initiating a transaction payment transfer by a buyer, pushing the digital asset by a seller and carrying out digital wallet transfer operation on all asset holders involved in the transaction or agents thereof by the seller.

Based on the same inventive concept as a digital asset transaction method, the present application also provides an electronic device comprising one or more processors and one or more memories having computer readable code stored therein, wherein the computer readable code, when executed by the one or more processors, performs an implementation of the digital asset transaction method. Wherein, the memory may include a nonvolatile storage medium and an internal memory; the non-volatile storage medium may store an operating system and computer readable code. The computer readable code includes program instructions that, when executed, cause the processor to perform any of the digital asset transaction methods. The processor is used for providing calculation and control capability and supporting the operation of the whole electronic equipment. The memory provides an environment for the execution of computer readable code in the non-volatile storage medium, which when executed by the processor, causes the processor to perform any of the digital asset transaction methods.

It should be understood that the Processor may be a Central Processing Unit (CPU), and the Processor may be other general purpose processors, digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, etc. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

There is also provided in an embodiment of the present application a computer-readable storage medium having computer-readable code stored thereon, the computer-readable code including program instructions, the processor executing the program instructions to implement the digital asset transaction method of the present application.

The computer-readable storage medium may be an internal storage unit of the electronic device according to the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the electronic device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the electronic device.

The examples are preferred embodiments of the present invention, but the present invention is not limited to the above embodiments, and any obvious modifications, substitutions or variations can be made by those skilled in the art without departing from the spirit of the present invention.

Claims (9)

1. A dynamic link construction method is characterized in that:

initiating a digital asset request by a potential buyer of a digital asset transaction on a digital asset transaction platform; if the seller accepts the transaction, a price negotiation request is sent to the buyer through the platform;

after the buyer and the seller negotiate the price successfully, according to the asset object identity, sending transaction information to all holders associated with the digital asset or agents thereof through the platform and requesting asset transaction authorization; the seller packs the digital assets of the authorizer and pushes the digital assets according to the provided callback address;

after receiving the digital assets, the buyer initiates the transaction payment transfer of the digital wallet to the seller on the platform in time and feeds back transaction evaluation information to the platform; after receiving the account, the seller timely initiates the digital wallet transfer operation to all the asset holders or agents thereof related to the transaction;

and after all operations are successful, the platform marks the completion of the transaction and collects and generates a transaction whole-process report for auditing.

2. The dynamic link construction method according to claim 1, wherein the digital asset request includes a request subject identification, a digital asset list, a required quantity, a negotiation timeout time, an execution timeout time, a callback address, and encryption key information.

3. The dynamic link construction method according to claim 1, wherein in the process of price negotiation, both the buyer and the seller need internal audit, and price negotiation/game of the buyer and the seller is performed for a plurality of times, and if the time consumed in the whole negotiation process exceeds the preset negotiation timeout time when the asset request is initiated, the negotiation process is cancelled by the platform.

4. The dynamic link construction method according to claim 1, wherein an authorizer authorizes a part of the index/tag or authorizes the whole index/tag at the time of authorization, and the seller preferentially packages the digital assets of the whole authorizer.

5. The dynamic link construction method according to claim 4, wherein the callback address is attributed to a digital asset transaction platform, and the platform automatically records complete transaction information and a process log; the callback address belongs to the private of the buyer, and the seller actively reports the transaction information to the platform.

6. A digital asset transaction method comprising the dynamic link construction method of any one of claims 1 to 5, further comprising: the trading parties fill in the digital asset lists to be respectively involved in the trading, and the trading interest sharing mechanisms and submit the audits.

7. The digital asset transaction method according to claim 6, wherein the digital asset is structured in the form of index/tag/key value by using strong metadata specification definition, and is anonymized according to privacy requirements.

8. The digital asset transaction method of claim 6, further comprising: all the intention participants of the digital asset transaction need to register on the digital asset transaction platform, accept the qualification audit of the supervising party, and can participate in the digital asset transaction after being authenticated and approved and storing the supervision and guarantee fund into the digital wallet of the supervising party on the platform.

9. A digital asset transaction system, comprising:

the admission module is used for registering an intention participant of the digital asset transaction on the digital asset transaction platform and auditing the qualification of the intention participant by a supervisor;

the transaction module comprises a transaction preparation sub-module, a transaction negotiation sub-module and a transaction execution sub-module;

the transaction preparation submodule is used for the transaction party to fill the digital asset list and the transaction benefit dividing mechanism which are respectively planned to participate in the transaction and submit the examination and verification;

the transaction negotiation submodule is used for carrying out price negotiation between the buyer and the seller;

the transaction execution submodule is used for authorizing the asset transaction by an authorizer, initiating transaction payment transfer by a buyer, pushing the digital asset by a seller and performing digital wallet transfer operation on all asset holders involved in the transaction or agents thereof by the seller.

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