CN116385133A

CN116385133A - Mortgage replacement method, device, equipment and storage medium based on blockchain

Info

Publication number: CN116385133A
Application number: CN202211619215.2A
Authority: CN
Inventors: 孔令涛; 蒋宁; 郝征鹏
Original assignee: Mashang Xiaofei Finance Co Ltd
Current assignee: Mashang Xiaofei Finance Co Ltd
Priority date: 2022-12-14
Filing date: 2022-12-14
Publication date: 2023-07-04

Abstract

The application provides a mortgage replacement method, device, equipment and storage medium based on a blockchain, comprising the following steps: executing loan intelligence contracts: submitting a first blockchain transaction for transferring a redemption resource of the first digital asset to the mortgage smart contract, the redemption resource being a loan resource that the target user borrows the loan smart contract, the mortgage smart contract being configured to change the home person of the first digital asset to the target user upon receiving the redemption resource. Executing mortgage intelligent contracts: changing the attribution of the second digital asset to a mortgage smart contract and submitting a second blockchain transaction for transferring the loan resource to the target user. The method and the device can enable the user to replace the digital assets which are mortgage before using other digital assets to continue the mortgage service. In particular, the user has a need to sell the digital assets of the mortgage, but can choose to replace the digital assets of the mortgage to complete the sale without having the ability to redeem for a short period of time.

Description

Mortgage replacement method, device, equipment and storage medium based on blockchain

Technical Field

The present disclosure relates to the field of blockchain technologies, and in particular, to a mortgage replacement method, device, apparatus, and storage medium for a blockchain.

Background

The blockchain has the characteristics of non-tampering, decentralization, traceability and the like, so that more and more data-based services are put on the blockchain to be completed, and the certificate is more credible. For example, recently emerging loan services for digital assets, such as Non-flexible Token (NFT), users may mortgage their digital assets to blockchains in exchange for borrowing.

Currently, once a user mortises his or her digital assets into a blockchain to exchange services (e.g., loans, leases, etc.), the user must pay a redemption to regain ownership of the digital assets. If the user has a need to sell the digital asset during the mortgage, but does not have repayment capability for a short period of time, this may result in missed sales opportunities due to non-redemption. For this reason, there is a need to increase the flexibility of blockchain digital asset mortgages, allowing users more ways to redeem their own mortgage digital asset.

Disclosure of Invention

The present application is directed to a mortgage replacement method, apparatus, electronic device, and storage medium for a blockchain, which enable a user to replace a previously mortgage digital asset with another equivalent or premium digital asset at any time during the period when the user mortises the digital asset to the blockchain, so as to continue the mortgage service. In particular, when a user has a need to sell a mortgage digital asset during a mortgage, but does not have redemption capability in a short time, the mortgage digital asset can be replaced for redemption, so that the sales of the original mortgage digital asset can be completed in time.

In order to achieve the above object, embodiments of the present application are implemented as follows:

in a first aspect, a mortgage replacement method based on a blockchain is provided, the method being applied to a blockchain network in which loan intelligence contracts and mortgage intelligence contracts are deployed, the method being performed by any node device in the blockchain network, comprising:

receiving a first request submitted by a target user to invoke a loan intelligence contract, wherein the first request indicates a mortgage intelligence contract for the target user to mortgage based on a first digital asset and redemption resources of the first digital asset, and a attribution is changed into the mortgage intelligence contract by the target user after the first digital asset is mortgage;

running the loan intelligence contract to perform: submitting a first blockchain transaction to a blockchain network, wherein the first blockchain transaction is used to transfer redemption resources of the first digital asset to the mortgage smart contract, the redemption resources transferred to the mortgage smart contract in the first blockchain transaction are loan resources that the target user borrows the loan smart contract, and the mortgage smart contract is configured to change an affiliated person of the first digital asset from the mortgage smart contract to the target user after receiving the redemption resources of the first digital asset;

Receiving a second request submitted by the target user for calling the mortgage intelligent contract, wherein the second request indicates that a second digital asset exists, and the attribution of the second digital asset is the target user;

running the mortgage smart contract to perform: changing the attribution of the second digital property to the mortgage intelligent contract and submitting a second blockchain transaction to the blockchain network, wherein the second blockchain transaction is used for transferring the loan resource to be returned to the electronic wallet of the target user.

In a second aspect, there is provided a mortgage replacement apparatus based on a blockchain, the apparatus being applied to a blockchain network having loan intelligence contracts and mortgage intelligence contracts deployed therein, the apparatus comprising:

a first receiving module, configured to receive a first request submitted by a target user to invoke a loan intelligence contract, where the first request indicates a mortgage intelligence contract for the target user to mortgage based on a first digital asset and a redemption resource of the first digital asset, where a home agent changes from the target user to the mortgage intelligence contract after the first digital asset is mortgage;

A first execution module for executing the loan intelligence contract to execute: submitting a first blockchain transaction to a blockchain network, wherein the first blockchain transaction is used to transfer redemption resources of the first digital asset to the mortgage smart contract, the redemption resources transferred to the mortgage smart contract in the first blockchain transaction are loan resources that the target user borrows the loan smart contract, and the mortgage smart contract is configured to change an affiliated person of the first digital asset from the mortgage smart contract to the target user after receiving the redemption resources of the first digital asset;

a second receiving module for receiving a second request submitted by the target user for calling the mortgage intelligent contract, wherein the second request indicates that a second digital asset exists, and the attribution of the second digital asset is the target user;

a second execution module for executing the mortgage smart contract to execute: changing the attribution of the second digital property to the mortgage intelligent contract and submitting a second blockchain transaction to the blockchain network, wherein the second blockchain transaction is used for transferring the loan resource to be returned to the electronic wallet of the target user.

In a third aspect, an embodiment of the present application provides an electronic device, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to perform the method of the first aspect.

In a fourth aspect, there is provided a computer readable storage medium for storing computer executable instructions which, when executed by a processor, implement the method of the first aspect.

The present application previously deployed in a blockchain a loan intelligence contract that can provide a user with a loan that redeems digital assets. When a user has the requirement of selling the digital assets which the user has mortgaged, if the user does not have the capability of redemption, the user can borrow through a loan intelligent contract to pay the redemption resources in advance for the mortgage intelligent contract of the digital assets, so that the mortgage intelligent contract returns the original mortgage digital assets to the user under the condition that the operation logic that the mortgage can return the mortgage without receiving the redemption resources is not changed; meanwhile, the user also needs to mortgage another digital asset to the mortgage intelligent contract, so that the mortgage intelligent contract returns the redemption resources to the user, the returned redemption resources are equivalent to loan resources provided to the user by the mortgage intelligent contract according to the other digital asset, so that the user can return the returned redemption resources to the loan intelligent contract, and the mortgage service of the mortgage intelligent contract is continued by using the other digital asset instead of the original digital asset under the condition that the user does not pay the redemption resources, so that the redeemed original digital asset can be sold. As can be seen, the blockchain can return the original mortgage digital property to the user as long as the user can provide the equivalent or premium digital property to replace the digital property mortgage on the previous loan, so that the user can sell the digital property at any time, and the liquidity of the digital property is improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort to a person having ordinary skill in the art.

FIG. 1 is a flow chart of a conventional digital asset swap-based blockchain mortgage service.

Fig. 2 is a schematic flow chart of a mortgage replacement method based on a blockchain according to an embodiment of the present application.

Fig. 3 is a second flowchart of a mortgage replacement method based on a blockchain according to an embodiment of the present disclosure.

Fig. 4 is a schematic structural diagram of a mortgage replacing apparatus based on a blockchain according to an embodiment of the present application.

Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only some embodiments of the present specification, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

As previously described, the blockchain currently opens mortgage services for digital assets to users. Taking mortgage loan service as an example, once a user has agreed on a loan with a blockchain, the user mortgages his digital assets to the blockchain in exchange for borrowing; meanwhile, the blockchain generates a mortgage intelligent contract, and under the regulation of the mortgage intelligent contract, the user can redeem own digital property after repayment. The redemption logic of the mortgage smart contract cannot be altered during the mortgage, and if the user has a need to sell the digital asset, but there is no repayment capability for a short period of time, the intent to sell can be abandoned. It can be seen that the current blockchain loan service is relatively deficient in terms of redemption of such digital assets as NFT, severely limiting market liquidity.

Wherein, fig. 1 is a schematic view of a scenario of providing mortgage loan service for a blockchain, comprising: clients, digital asset platforms, and blockchain nodes in a blockchain network. Wherein the client may be, but is not limited to, a personal terminal or application of the user. If the user has the demand of mortgage self digital property to exchange borrowing, the user can log in the client of the digital property platform, and access the blockchain node (or the client directly accesses the blockchain node) through the digital property platform so as to initiate a mortgage loan request to the blockchain node. Correspondingly, the blockchain link point responds to a mortgage loan request initiated by a user, and if a mortgage loan agreement in the loan request is reached, a mortgage intelligent contract is created in the blockchain. Wherein the intelligent contract is an event-driven program running on the blockchain and capable of being automatically executed according to preset conditions. In the application, the mortgage intelligent contract changes the attribution of the digital property used for mortgage by the user from the original user into the loan intelligent contract based on the execution logic of the mortgage intelligent contract, and transfers the mortgage resource to the electronic purse of the user. During mortgage, no action can be initiated on the digital asset, such as selling, renting, etc., because the user is not the home owner of the digital asset. The subsequent user wants to redeem his digital assets and needs to transfer to the mortgage intelligent contract to redeem resources (loan resources + interest). The mortgage smart contract, upon receipt of the redeemed resource, changes the home person of the digital asset of the local mortgage to the user.

Here, the present application defines a smart contract (such as the mortgage loan smart contract described above, or a mortgage lease smart contract) that performs a mortgage service as a mortgage smart contract.

Based on the architecture of the scenario shown in FIG. 1, the present application previously deployed in the blockchain a loan intelligence contract (a non-mortgage digital property's intelligence contract) that can provide the user with redemption resources for digital properties that have been mortgage. When a user has the requirement of selling the digital asset of the mortgage of the user, if the user does not have repayment capability, the user can pay the redemption resources to the intelligent mortgage contract corresponding to the digital asset in advance through the intelligent borrowing of the mortgage service, so that the intelligent mortgage can return the original mortgage digital asset to the user under the condition that the operation logic that the digital asset can be returned only after the redemption resources are received is not changed; meanwhile, the user needs to mortgage another digital asset to the mortgage intelligent contract, so that the mortgage intelligent contract returns a redemption resource to the user, the returned redemption resource is equivalent to a loan resource provided by the mortgage intelligent contract to the user according to the other digital asset, and therefore, the user can return the returned redemption resource to the mortgage service intelligent contract, which is equivalent to the fact that the user uses the other digital asset to replace the original digital asset to continue the mortgage service of the mortgage intelligent contract under the condition that the redemption resource is not paid, so that the redeemed original digital asset can be sold.

As can be seen, the blockchain can return the original mortgage digital property to the user as long as the user can provide the equivalent or premium digital property for replacing the mortgage digital property of the previous loan, so that the user can conveniently sell the digital property at any time, and the liquidity of the digital property is improved.

Specifically, based on the architecture of the scenario shown in fig. 1, the embodiment of the present application provides a mortgage replacing method for loans of a blockchain, which is applied to a blockchain, where a loan intelligence contract and a mortgage intelligence contract are deployed, and the mortgage replacing method of the embodiment of the present application may be executed by any node device in the blockchain. Fig. 2 is a flow chart of a method of loan mortgage replacement according to an embodiment of the application, including: s202, a first request for calling a loan intelligent contract submitted by a target user is received, wherein the first request indicates a mortgage intelligent contract for the target user to mortgage based on a first digital property and redemption resources of the first digital property, and a attribution is changed into the mortgage intelligent contract by the target user after the first digital property is mortgage.

In this application, a first digital asset refers to a digital asset that the target user originally mortgage in a mortgage smart contract.

When the target user needs to replace the first digital asset mortgage in the mortgage intelligent contract, logging in the client of the digital asset platform to access one of the blockchain nodes, and connecting the network of the blockchains through the accessed blockchain node.

Thereafter, the target user sends a first request to the block link to replace the first digital asset through the client.

S204, running a loan intelligence contract to execute: submitting a first blockchain transaction to a blockchain network, wherein the first blockchain transaction is for transferring redemption resources of the first digital asset to the mortgage smart contract, the redemption resources transferred to the mortgage smart contract in the first blockchain transaction being loan resources borrowed by a target user to a loan smart contract, the mortgage smart contract being configured to change an affiliated person of the first digital asset from the mortgage smart contract to the target user upon receipt of the redemption resources of the first digital asset.

Specifically, the calling address of the first request is the address of the loan intelligence contract, and the step of running the loan intelligence contract specifically includes: and according to the calling address of the first request, calling the loan intelligent contract in a blockchain network, and inputting the mortgage intelligent contract for mortgage by the target user indicated by the first request based on the first digital property and the redemption resource of the first digital property as calling execution parameters into the loan intelligent contract to run the loan logic of the loan intelligent contract, and submitting the first blockchain transaction to the chain network.

Correspondingly, if the mortgage smart contract receives a redeemed resource, based on its own operating logic, the cast contract for the first digital asset is found (the blockchain, after the creation of the digital asset, would generate a cast contract to announce the digital asset's ownership), and the owner of the cast contract for the first digital asset is set as the target user from the original loan smart contract.

S206, receiving a second request which is submitted by the target user and calls the mortgage intelligent contract, wherein the second request indicates that a second digital asset exists, and the attribution of the second digital asset is the target user.

In this application, a second digital asset is used to mortgage in place of the first digital asset. Similarly, when the target user needs to mortgage the second digital asset to the mortgage intelligent contract, logging in the client of the digital asset platform to access one of the blockchain nodes, and connecting the network of blockchains through the accessed blockchain node.

The target user then sends a second request to the blockchain node for mortgage of the second digital asset through the client.

In practical applications, the valuation of the second digital asset should be greater than or equal to the first digital asset to be allowed to replace the mortgage. To this end, the second digital property may be evaluated for a loan amount based on the valuation of the second digital property and the loan proportion; accepting the second request if the loan amount of the second digital property assessment is greater than or equal to the valuation of the first digital property; the second request is directly denied if the loan amount of the second digital property assessment is less than the valuation of the first digital property. For purposes of this application, the step of evaluating the second digital asset valuation may be performed by a digital services platform or blockchain node. If the blockchain node performs the step of evaluating the second digital asset valuation, then the digital asset's evaluation logic may be written in the mortgage smart contract and the subsequent blockchain node may determine whether the second digital asset's estimated loan amount is greater than or equal to the first digital asset's valuation when running the mortgage smart contract, thereby making a decision whether to reject the second request.

S208, executing the mortgage intelligent contract to execute: changing the attribution of the second digital property to a mortgage smart contract and submitting a second blockchain transaction to the blockchain network, wherein the second blockchain transaction is used to transfer the loan resource to be refunded to the electronic wallet of the target user.

Specifically, the call address of the second request is the address of the mortgage intelligent contract, and the step of running the mortgage intelligent contract specifically includes: and according to the calling address of the second request, calling a mortgage intelligent contract in the blockchain network, inputting a second digital asset indicated by the second request into the mortgage intelligent contract as a calling execution parameter so as to run mortgage logic of the mortgage intelligent contract, setting a attribution person of the second digital asset as the mortgage intelligent contract, and submitting a second blockchain transaction to the chain network. Here, to ensure the security of the transaction, the mortgage smart contract may be configured to set the home person of the second digital asset as the mortgage smart contract after the home person of the first digital asset is set back to the target user.

The second blockchain transaction transfers loan resources to be returned to the electronic wallet of the target user, and the target user can actively return loan to the loan intelligent contract based on the loan resources transferred by the mortgage intelligent contract.

In addition, the loan intelligence contract can actively control the electronic purse of the target user to return loan resources. That is, the loan intelligence contract is configured to: and after the return period expires, submitting a third blockchain transaction to the blockchain network, wherein the third blockchain transaction is that the electronic wallet of the target user transfers the loan resource to the loan intelligent contract.

It should be noted that, based on the existing blockchain technology, any target blockchain transaction submitted by the blockchain node by running the intelligent contract is not immediately executed, but is first cached in the transaction pool of each blockchain node. After that, all blockchain transactions currently cached in the own transaction pool are pulled by one enabled blockchain node to be packed into the same block and blockchain consensus for that block is initiated. After receiving the proposal of the blockchain consensus, other blockchain nodes cooperatively enable the blockchain nodes to carry out consensus on all blockchain transactions in the block. If all the blockchain transactions in the block pass the consensus, each blockchain node executes the blockchain transaction in the block and uploads the block to the local blockchain network for recording.

Where blockchain consensus is performed round by round. In each round, the enabled blockchain link will package all the non-consensus blockchain transactions in the current transaction pool into blocks and then initiate blockchain consensus. If any one of the blockchain transactions fails to execute (to substantially complete the resource transfer), each blockchain node rolls back all blockchain transactions in the block.

For purposes of this application, if a mortgage service smart contract is configured to directly modify the home person of a target digital property to a first user, it is desirable to avoid that the first user, after obtaining a pre-payment for the target digital property, is not used to pay for loan resources lending to a loan smart contract. For this reason, the third blockchain transaction and the first blockchain transaction should be written into the same block for blockchain consensus, so that the two blockchain transactions can be immediately executed by the blockchain according to the sequence of the initiation time after the affiliated block passes through the blockchain consensus.

That is, when the first blockchain transaction is successfully executed, the loan smart contract lends to the mortgage service contract to redeem the resource, such that the mortgage smart contract modifies the home person of the target digital property back to the first user, and a third blockchain transaction is immediately executed to automatically control the electronic wallet of the first user to return the loan resource to the loan smart contract.

In the whole process, the execution of the first blockchain transaction and the three blockchain transaction is completed instantaneously in the whole although the execution is sequential. For the target user, after the own electronic wallet obtains the loan resource transferred by the second blockchain transaction, the target user does not need to pay about to the loan intelligent contract before transferring, so that the security of loan intelligent contract borrowing is ensured.

Further, if the third blockchain transaction fails to execute, the first blockchain transaction and the third blockchain transaction are rolled back, thereby returning to a state in which the loan intelligence contract did not provide the first user with a loan to redeem the resource while the target digital property mortgage is in the mortgage service contract.

In practical applications, in order for the third blockchain transaction to be packaged into the same block as the first blockchain transaction, the present application may set the return deadline of the loan intelligence contract to be effective after the first blockchain transaction is submitted, and the validity period of the return deadline is less than the time taken for the first blockchain transaction to be converted into blockdata. As such, the loan intelligence contract must submit the third blockchain transaction before the first blockchain transaction is packaged into a block, thereby forcing the third blockchain transaction to be written to the same block as the first blockchain transaction for blockchain consensus.

To ensure that the third blockchain transaction is successfully executed for the target user, a second request is initiated to mortgage the second digital asset to the mortgage smart contract before the return deadline expires, thereby triggering the mortgage smart contract to submit the second blockchain transaction. Similarly, if the second blockchain transaction is submitted before the return period expires, the second blockchain transaction is also written to the same block as the first and third blockchain transactions. The second blockchain transaction may begin to execute after the first blockchain transaction is executed successfully, and the third blockchain transaction may begin to execute after the second blockchain transaction is executed successfully, thereby completing: the entire process of borrowing the loan resource to redeem the first digital property, replacing the mortgage second digital property, and returning the loan resource.

In addition, if the target user fails to set the home person of the second digital asset as a mortgage smart contract after the return period expires, the mortgage smart contract cannot be triggered to submit the second blockchain transaction, and correspondingly the electronic wallet of the first user cannot receive the pre-sale money resource, so that the third blockchain transaction fails to execute, and finally the first blockchain transaction and the third blockchain transaction are rolled back. Further, because the first blockchain transaction is rolled back, the attribution of the target digital asset is a mortgage service smart contract, and the first user cannot invoke the pre-sale smart contract to submit the second blockchain transaction without redeeming the target digital asset. That is, the first, second, third blockchain transactions are the same as never occurred.

In addition, in practice, if the loan intelligence contract provides redemption resources and additionally charges a fee, the target user may package information of the fee-based resources into the second request. Correspondingly, submitting the second blockchain transaction by the mortgage smart contract may include transferring a commission resource to the electronic wallet of the target user. Thus, the target user can be ensured to be capable of clearing the procedure cost required by the loan intelligent contract while returning the loan resource. For purposes of this application, if the second blockchain transaction includes a commission resource, the mortgage smart contract needs to set the entire resources (commission resource + loan resource) that the second blockchain transaction transfers to the target user's electronic wallet to be redeemed for the second digital asset. That is, the subsequent target user needs to pay the commission resource + loan resource to redeem his second digital property for the mortgage smart contract.

It follows that the method of embodiments of the present application previously deployed a loan intelligence contract in a blockchain that can provide a user with a loan that redeems a digital property. When a user has the requirement of selling the digital assets which the user has mortgaged, if the user does not have the capability of redemption, the user can borrow through a loan intelligent contract to pay the redemption resources in advance for the mortgage intelligent contract of the digital assets, so that the mortgage intelligent contract returns the original mortgage digital assets to the user under the condition that the operation logic that the mortgage can return the mortgage without receiving the redemption resources is not changed; meanwhile, the user also needs to mortgage another digital asset to the mortgage intelligent contract, so that the mortgage intelligent contract returns the redemption resources to the user, the returned redemption resources are equivalent to loan resources provided to the user by the mortgage intelligent contract according to the other digital asset, so that the user can return the returned redemption resources to the mortgage service intelligent contract, and the method is equivalent to that the user uses the other digital asset to replace the original digital asset to continue loan service of the loan intelligent contract under the condition of not paying the redemption resources, so that the redeemed original digital asset can be sold. As can be seen, the blockchain can return the original mortgage digital property to the user as long as the user can provide the equivalent or premium digital property to replace the digital property mortgage on the previous loan, so that the user can sell the digital property at any time, and the liquidity of the digital property is improved.

It should be appreciated that the methods of embodiments of the present application may be applied to loan servicing of any digital property. The application scenario of the method of the embodiment of the present application will be described in detail below by taking NTF of a drawing collection as an example.

In the application scene, the user can upload the metadata of the picture to the interstellar file system of the block chain as a collector of the picture. Based on the existing blockchain technology, the interstellar file system configures corresponding sub-pass (token) for the metadata of the uploaded picture, and the token, i.e. the NFT of the picture, can be used as a keyword to inquire the corresponding metadata in the interstellar file system. Meanwhile, the blockchain creates a cast contract for the token for the owner who records the token. That is, the cast contract is used to declare the ownership of the NFT, while the metadata is used to describe what the NFT is specifically in.

As described above, a user may exchange a borrow by mortgage of his NFT to the blockchain when the user has a borrow request; correspondingly, the blockchain generates a mortgage intelligent contract for the NFT of the user, the mortgage intelligent contract sets the attribution in the NFT casting contract as the mortgage intelligent contract from the original user based on the self logic, that is, the user mortises the NFT to the mortgage intelligent contract, and then the mortgage intelligent contract transfers the mortgage resource to the digital wallet of the user.

Here, to facilitate distinguishing from a mortgage smart contract that provides a redemption fee, the present application scenario defines a mortgage smart contract as a "mortgage smart contract", defines an NFT of a user mortgage in the mortgage smart contract as a first NFT, and defines a mortgage NFT of a user for replacing the first NFT as a second NFT, and the flow of the loan mortgage replacement method is as shown in fig. 3, including:

s1, a target user sends a first request to a digital asset platform, wherein the first request carries an address of a mortgage intelligent contract, an amount of a first NFT redeemed resource and a token of a second NFT.

After receiving the first request, the digital property platform acquires metadata of the second NFT from an interstellar file system of the blockchain based on a token of the second NFT, and evaluates loan resource amount of the second NFT according to the metadata of the second NFT. If the loan resource amount of the second NFT is greater than or equal to the amount of the first NFT redeemed resource, forwarding the first request to the blockchain node; if the loan resource amount of the second NFT is less than the amount of the first NFT redeemed resource, the first request is ignored.

Illustratively, assuming that the digital property platform determines that the estimate of the second NFT is 10-ary based on metadata of the second NFT (e.g., the value of the drawing itself and the type of the drawing), and the loan proportion is 5:1, the corresponding loan resource amount is 2-ary. If the amount of the first NFT redeemed resource (loan resource + interest) is less than or equal to 2 yuan, it indicates that the second NFT can take the same loan as the first NFT. At this point, the digital asset platform then forwards the first request to the blockchain node. The digital property platform may choose to return the first request if the amount of the first NFT redemption resource (loan resource + interest) is less than or equal to 2 yuan.

S2, after receiving the first request, the blockchain node calls the loan intelligent contract according to the first request to run the logic of the loan intelligent contract.

S3, the loan intelligent contract submits a first blockchain transaction according to the amount of the first NFT redeemed resource and the address of the mortgage intelligent contract provided by the first request based on self logic so as to pad the redeemed resource to the mortgage intelligent contract instead of the target user.

S4, if the mortgage intelligent contract receives the redeemed resource paid by the loan intelligent contract, according to the token of the first NFT recorded by the mortgage intelligent contract, the casting contract of the first NFT in the blockchain is called, so that the attribution in the casting contract of the first NFT is set back to the target user by the original mortgage intelligent contract.

S5, the target user sends a second request to the blockchain node through the digital asset platform, wherein the second request carries the address of the mortgage intelligent contract and the token of the second NFT.

S6, after receiving the second request, the blockchain node calls the mortgage intelligent contract according to the second request so as to run the logic of the mortgage intelligent contract.

S7, the mortgage intelligent contract invokes a cast contract of the second NFT in the blockchain according to the token of the second NFT provided by the second request based on self logic so as to set a attribution in the cast contract of the second NFT as the mortgage intelligent contract by the original target user.

And S8, the mortgage intelligent closes the second NFT after successful mortgage, and further submits a second blockchain transaction to return the redemption resources obtained before to the electronic wallet of the target user.

Specifically, if the loan intelligence contract pays redemption resources to the target user and also charges the commission resources, the mortgage intelligence contract can confirm, based on its own logic, whether the target user's electronic wallet has a balance to pay the commission resources.

If the electronic wallet of the target user cannot pay the commission, the second blockchain transaction submitted by the mortgage intelligent contract also transfers the commission resource into the electronic wallet of the target user, and the subsequent target user needs to pay the redemption resource plus the commission resource to redeem the second NFT from the mortgage intelligent contract. For example, if the redemption resource is 2 yuan and the loan intelligence contract pays 0.1 yuan for the target user to redeem the redemption resource, the mortgage intelligence contract transfers the 2.1 yuan to the target user's electronic wallet through the second blockchain transaction, and the subsequent target user also needs to pay 2.1 yuan to the mortgage intelligence contract to redeem its own second NFT.

If the target user's e-wallet is able to pay a commission, the mortgage contract returns only the previously received redemption resources to the target user's e-wallet.

S9, after the subsequent loan intelligent contract monitors the expiration of the return period of the redeemed resource based on the self-set time lock, submitting a third blockchain transaction to actively ask the electronic wallet of the target user for the previously paid redeemed resource (or redeemed resource+commissioned resource).

In the application scenario, the time lock starts to time after the mortgage service intelligent contract borrows the redeemed resource, and the return period is less than or equal to the time consumption of the blockchain to generate a block, so that the whole process is limited to be completed in the generation period of the block, and the first blockchain transaction, the second blockchain transaction and the third blockchain transaction can be ensured to be recorded in the same block. That is, all records of the current NFT replacement are verified by one block.

Meanwhile, if the target user's electronic wallet cannot redeem resources back to the loan smart contract, it is interpreted that the target user fails to mortgage the second NFT to the mortgage smart contract. At this point, the redeemed resources borrowed by the target user are in the mortgage smart contract. Based on existing blockchain technology, once transactions in the block to be generated are rolled back, the transactions in the entire block (including the first blockchain transaction, the second blockchain transaction, and the third blockchain transaction) are rolled back, which ensures that the previous first and second requests are invalidated, the first NFT loan is mortgage in the mortgage smart contract as before, and the redeemed resources are returned to the loan smart contract.

Corresponding to the method shown in fig. 2, the embodiment of the application also provides a mortgage replacing device for loan based on blockchain. Fig. 4 is a schematic structural diagram of a loan mortgage replacement device 400 according to an embodiment of the application, including:

a first receiving module 410, configured to receive a first request submitted by a target user to invoke a loan intelligence contract, where the first request indicates a mortgage intelligence contract for the target user to mortgage based on a first digital asset and a redemption resource for the first digital asset, where the first digital asset is changed by the target user to the mortgage intelligence contract by a home person after being mortgage.

A first execution module 420 for executing the loan intelligence contract to execute: submitting a first blockchain transaction to a blockchain network, wherein the first blockchain transaction is used to transfer redemption resources of the first digital asset to the mortgage smart contract, the redemption resources transferred to the mortgage smart contract in the first blockchain transaction are loan resources that the target user borrows the loan smart contract, and the mortgage smart contract is configured to change an affiliated person of the first digital asset from the mortgage smart contract to the target user after receiving the redemption resources of the first digital asset.

A second receiving module 430 receives a second request submitted by the target user to invoke the mortgage smart contract, the second request indicating that there is a second digital asset whose attribution is the target user.

A second execution module 440 for executing the mortgage smart contract to execute: changing the attribution of the second digital property to the mortgage intelligent contract and submitting a second blockchain transaction to the blockchain network, wherein the second blockchain transaction is used for transferring the loan resource to be returned to the electronic wallet of the target user.

Based on the teachings of the present application, the solution of the present embodiments deploys a loan intelligence contract in the blockchain that can provide a user with a loan that redeems a digital property. When a user has the requirement of selling the digital assets which the user has mortgaged, if the user does not have the capability of redemption, the user can borrow through a loan intelligent contract to pay the redemption resources in advance for the mortgage intelligent contract of the digital assets, so that the mortgage intelligent contract returns the original mortgage digital assets to the user under the condition that the operation logic that the mortgage can return the mortgage without receiving the redemption resources is not changed; meanwhile, the user also needs to mortgage another digital asset to the mortgage intelligent contract, so that the mortgage intelligent contract returns the redemption resources to the user, the returned redemption resources are equivalent to loan resources provided to the user by the mortgage intelligent contract according to the other digital asset, so that the user can return the returned redemption resources to the loan intelligent contract, and the mortgage service of the mortgage intelligent contract is continued by using the other digital asset instead of the original digital asset under the condition that the user does not pay the redemption resources, so that the redeemed original digital asset can be sold. As can be seen, the blockchain can return the original mortgage digital property to the user as long as the user can provide the equivalent or premium digital property to replace the digital property mortgage on the previous loan, so that the user can sell the digital property at any time, and the liquidity of the digital property is improved.

Optionally, the loan intelligence contract is configured to monitor a return deadline for the target user to transfer into the loan resource to the loan intelligence contract, and submit a third blockchain transaction to the blockchain network after the return deadline expires, the third blockchain transaction transferring into the loan resource to the loan intelligence contract for the electronic wallet of the target user.

Optionally, the return deadline is effective after the first blockchain transaction is submitted, and the validity period of the return deadline is less than the time taken for the first blockchain transaction to be converted into blockdata, so that the third blockchain transaction and the first blockchain transaction are written into the same block for blockchain consensus after being submitted.

Optionally, the second request is further provided with a commission resource of the loan intelligence contract, and the loan resource transferred to the electronic wallet of the target user in the second blockchain transaction includes the redemption resource and the commission resource.

Optionally, the mortgage smart contract further performs: all resources diverted by the second blockchain transaction to the target user's electronic wallet are set as redemption resources for the second digital asset.

Optionally, the second receiving module 430 further performs a loan credit assessment on the second digital property based on the valuation and the loan proportion of the second digital property after receiving the second request for invoking the mortgage smart contract submitted by the target user; wherein the steps of altering the attribution of the second digital asset to the mortgage smart contract and submitting a second blockchain transaction to the blockchain network are performed after the second receiving module 430 determines that the second digital asset's estimated loan amount is greater than the first digital asset's estimate.

The calling address of the first request is an address of the loan intelligence contract, and the first execution module 420 executes the loan intelligence contract including: according to the calling address of the first request, the loan intelligent contract is called in the blockchain network, the mortgage intelligent contract of the target user for mortgage based on the first digital property indicated by the first request and the redemption resource of the first digital property are input into the loan intelligent contract as calling execution parameters so as to run the loan logic of the loan intelligent contract, and the first blockchain transaction is submitted to the blockchain network;

The call address of the second request is an address of the mortgage smart contract, and the second execution module 440 executes the mortgage smart contract including: and calling the mortgage intelligent contract in the blockchain network according to the calling address of the second request, inputting the second digital asset indicated by the second request as a calling execution parameter into the mortgage intelligent contract, operating the mortgage logic of the mortgage intelligent contract, changing the attribution of the second digital asset into the mortgage intelligent contract, and submitting a second blockchain transaction to the blockchain network.

It is clear that the device shown in fig. 4 can be used as an execution body of the method shown in fig. 2, and thus the steps and corresponding functions of the method shown in fig. 2 can be implemented. Because the principle is the same, the description is not repeated here.

In addition, the embodiment of the application also provides electronic equipment. Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Referring to fig. 5, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 5, but not only one bus or type of bus.

And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the loan mortgage replacing device shown in the figure 5 on a logic level. Correspondingly, the processor executes the program stored in the memory and is specifically configured to perform the following operations:

a first request submitted by a target user to invoke a loan intelligence contract is received, the first request indicating a mortgage intelligence contract for the target user to mortgage based on a first digital asset and redemption resources for the first digital asset, the first digital asset being changed by the target user to the mortgage intelligence contract by a attribution after being mortgage.

Running the loan intelligence contract to perform: submitting a first blockchain transaction to a blockchain network, wherein the first blockchain transaction is used to transfer redemption resources of the first digital asset to the mortgage smart contract, the redemption resources transferred to the mortgage smart contract in the first blockchain transaction are loan resources that the target user borrows the loan smart contract, and the mortgage smart contract is configured to change an affiliated person of the first digital asset from the mortgage smart contract to the target user after receiving the redemption resources of the first digital asset.

And receiving a second request submitted by the target user and used for calling the mortgage intelligent contract, wherein the second request indicates that a second digital asset is available, and the attribution of the second digital asset is the target user.

The loan mortgage replacement method disclosed in the embodiment shown in the specification can be applied to a processor and implemented by the processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The disclosed methods, steps, and logic blocks in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present application may be embodied directly in hardware, in a decoded processor, or in a combination of hardware and software modules in a decoded processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.

Of course, in addition to the software implementation, the electronic device in this specification does not exclude other implementations, such as a logic device or a combination of software and hardware, that is, the execution subject of the following process is not limited to each logic unit, but may also be hardware or a logic device.

Furthermore, embodiments of the present application also provide a computer-readable storage medium storing one or more programs, the one or more programs including instructions.

Optionally, the instructions, when executed by a portable electronic device comprising a plurality of applications, enable the portable electronic device to perform the steps of the method shown in fig. 2, comprising:

It will be appreciated by those skilled in the art that embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The foregoing is merely an example of the present specification and is not intended to limit the present specification. Various modifications and alterations to this specification will become apparent to those skilled in the art. Any modifications, equivalent substitutions, improvements, or the like, which are within the spirit and principles of the present description, are intended to be included within the scope of the claims of the present description. Moreover, all other embodiments obtained by those skilled in the art without making any inventive effort shall fall within the scope of protection of this document.

Claims

1. A mortgage replacement method based on a blockchain, the method being applied to a blockchain network having loan intelligence contracts and mortgage intelligence contracts deployed therein, the method being performed by any node device in the blockchain network, comprising:

2. The method according to claim 1, wherein the method further comprises:

the loan intelligence contract is configured to monitor a return deadline for the target user to transfer into the loan resource to the loan intelligence contract, and submit a third blockchain transaction to the blockchain network after the return deadline expires, the third blockchain transaction transferring into the loan resource to the loan intelligence contract for the target user's electronic wallet.

3. The method of claim 2, wherein the return deadline is effective after submission of the first blockchain transaction and the return deadline is less than a time period that the first blockchain transaction is converted to blockdata such that the third blockchain transaction is written to the same blockchain for blockchain consensus after submission as the first blockchain transaction.

4. The method of claim 1, wherein the second request is further provided with a commission resource of the loan intelligence contract, the loan resource transferred to the target user's electronic wallet in the second blockchain transaction comprising the redemption resource and the commission resource.

5. The method of claim 1, wherein the mortgage smart contract further performs: all resources diverted by the second blockchain transaction to the target user's electronic wallet are set as redemption resources for the second digital asset.

6. The method of claim 1, wherein upon receiving a second request submitted by the target user to invoke the mortgage smart contract, the method further comprises:

performing a loan amount assessment on the second digital property based on the valuation of the second digital property and the loan proportion;

wherein the steps of altering the attribution of the second digital property to the mortgage smart contract and submitting a second blockchain transaction to the blockchain network are performed upon determining that the second digital property evaluates a loan amount greater than the valuation of the first digital property.

7. The method of claim 1, wherein the call address of the first request is an address of the loan intelligence contract, and wherein running the loan intelligence contract comprises: according to the calling address of the first request, the loan intelligent contract is called in the blockchain network, the mortgage intelligent contract of the target user for mortgage based on the first digital property indicated by the first request and the redemption resource of the first digital property are input into the loan intelligent contract as calling execution parameters so as to run the loan logic of the loan intelligent contract, and the first blockchain transaction is submitted to the blockchain network;

The call address of the second request is the address of the mortgage intelligent contract, and running the mortgage intelligent contract includes: and calling the mortgage intelligent contract in the blockchain network according to the calling address of the second request, inputting the second digital asset indicated by the second request as a calling execution parameter into the mortgage intelligent contract, operating the mortgage logic of the mortgage intelligent contract, changing the attribution of the second digital asset into the mortgage intelligent contract, and submitting a second blockchain transaction to the blockchain network.

8. A mortgage replacement device based on a blockchain, the device being applied to a blockchain network in which loan intelligence contracts and mortgage intelligence contracts are deployed, the device comprising:

9. An electronic device, the device comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to perform the method of any of claims 1-8.

10. A computer readable storage medium for storing computer executable instructions which, when executed by a processor, implement the method of any one of claims 1-8.