CN116757852A - Key data structure for digital asset distribution and circulation method - Google Patents
Key data structure for digital asset distribution and circulation method Download PDFInfo
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- CN116757852A CN116757852A CN202310860446.0A CN202310860446A CN116757852A CN 116757852 A CN116757852 A CN 116757852A CN 202310860446 A CN202310860446 A CN 202310860446A CN 116757852 A CN116757852 A CN 116757852A
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- XEEYBQQBJWHFJM-UHFFFAOYSA-N Iron Chemical compound [Fe] XEEYBQQBJWHFJM-UHFFFAOYSA-N 0.000 description 8
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- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention provides a digital asset issuing and circulating method, which is used for participating in digital asset business and is realized based on a digital asset issuing and circulating system, wherein the system comprises the following components: digital asset platform, real asset management platform, digital asset transaction center, customer, regulatory department, and blockchain system or interlink network system; the method comprises the following steps: digital asset distribution, trading on a digital asset platform, trading circulation by a digital asset trading center, redemption of digital assets for real assets, and digital asset verification.
Description
Technical Field
The invention belongs to the technical fields of digital economy, blockchain technology, physical asset digitization and digital asset operation, and particularly relates to a key data structure for a digital asset issuing and circulating method.
Background
Digital china is an overall concept including digital economy, digital government, digital culture, digital society. Digital economy needs and entity economy are fused, and digital economy needs to be developed and applied in the traditional fields of agriculture, industry, finance, education, medical treatment, transportation, energy sources and the like. Digital economies include industry digitization, digital industrialization, and asset digitization. The present invention is one mechanism associated with asset digitization.
Traditionally overseas digital economies have been purely virtual economies, with all assets being on the network, so assets are purely virtual and have no relationship to physical economies. For this reason, protocols and infrastructure for overseas asset digitization cannot be directly used in china, and autonomous development and establishment are required.
If the digital economy and the entity economy are required to be integrated, the network protocol needs to be bound with the entity economy system. The plan indicates that physical economy includes agriculture, industry, finance, education, medical treatment, transportation, energy, etc., and thus physical assets include foods (tea, wine, meat, etc.), crops (ginseng, etc.), copper, iron, medicine, medical appliances, financial products, vehicles, petroleum, natural gas, coal, etc. Thus the digitally economical protocol needs to be tied to these physical assets. Because each asset has the specificity, each entity asset and the binding protocol of the digital economy need to be formulated separately, which causes the redundancy and non-uniformity of the binding protocol manufacture, thereby being difficult to realize comprehensive asset integration and application.
Binding of digital economy and physical economy has the following possible risks:
Risk (1): the entity or the real asset mechanism is dishonest, false information is provided, false assets are bound with digital assets, and when a customer purchases the digital assets, the customer does not actually support the real assets at the back;
risk (2): the entity mechanism of the real asset cannot honor the real asset to the corresponding digital asset because of bad operation so that the mechanism breaks;
risk (3): customers may forge digital assets, requiring a real institution to redeem the real asset;
risk (4): customers may require double flower digital assets, requiring real asset management center object real assets more than twice;
risk (5): the digital asset platform may forge digital assets or issue a plurality of digital assets for a real asset, to a real asset management center, a digital asset transaction center, or a customer;
risk (6) the digital asset transaction center may cheat or be attacked, allowing the digital asset to be stolen or destroyed;
risk (7): multiple institutions may cooperate to accomplish fraud, such as a real asset management institution and a digital asset institution in cooperation, a fraudulent client, and other institutions.
Overseas has also developed a mechanism RWA (Real-World assemblies) that integrates digital economy and entity economy, but overseas is mostly a protocol based on an overseas public chain and cannot be used in China. The specific mechanism of use is not disclosed according to the RWA item of the public chain, so that the use cannot be referred to.
On RWA, protocols that cannot update overseas RWAs are used domestically, but new protocols and infrastructure must be re-developed from scratch. The implementation of digital economies in china requires the development of a digital asset distribution and circulation platform that is natively usable, which has the feature of being more complex than the architecture of traditional overseas digital economies, since overseas digital economies do not bind real assets most of the time, but engage in "purely virtual economy" activities. Once the real asset is bound, the situation is much more complex; however, the chinese digital economy must be fused with the entity economy, so that it is necessary to bind digital assets and real (physical) assets.
Disclosure of Invention
The present invention is directed to solving one or more technical problems of the prior art by providing a key data structure for digital asset distribution and circulation methods, wherein the fusion mechanism used is developed autonomously without using any overseas technology or infrastructure; the proposed digital economic agreement and system binds mineral assets such as copper, iron, precious metals, etc., so these physical assets need to have the following properties:
(1) Quality and content can be objectively (third party) assessed, for example, quality and content of iron sand can be objectively assessed;
(2) The number may be split, e.g. ton, kg, or smaller units may be used to represent the number. For example, 1.539 tons of iron;
(3) The value can be objectively (third party) estimated, and the quality and the quantity can be objectively determined, and the value is more information disclosed by the market, so that the value information can be accurately obtained;
(4) There are hosting or storage mechanisms in the marketplace to host and store these physical assets;
(5) The hosting or storage mechanism needs to have a funding or license plate system and needs to provide accurate operation information according to laws;
(6) Jobs of a hosting or storage facility need to be supervised and regularly checked;
(7) The hosting or storage facility may provide digital services such as digital gold, digital silver, digital platinum clothing, and customers may digitally place purchases or sell standardized precious metals via corresponding websites or other means.
The present invention provides a key data structure for a digital asset distribution and circulation method for participating in digital asset business, the method comprising: digital asset distribution, trading on a digital asset platform, trading circulation by a digital asset trading center, redemption of real assets by digital assets, and digital asset verification;
The key data structure comprises:
(1) Real asset: asset type; storing the address; date of production; a production site; expiration date; number of pieces; quality;
(2) Digital asset: a digital asset digital identification card; initial and now owner information; an initial release date and time; digital asset types; corresponding real asset management platform information; real asset production date, production site; expiration date; number of pieces; quality.
Preferably, the storage address is a real asset management platform address.
Preferably, the quality is classified into a highest level, a high level, a medium level and a normal level according to a general standard of real assets.
Preferably, the initial and present owner information includes name, address, phone, email and/or customer credit rating.
Preferably, the corresponding real asset management platform information includes legal person information, addresses, customer service telephones and customer service electronic mailboxes.
Preferably, the data structure of the digital asset further includes a digital asset identification card, an issue date and time, and corresponding real asset information, such that the customer has confidence that the digital asset has a corresponding real asset for redemption.
Preferably, the corresponding real asset information includes a storage address, a quantity, and a quality.
Preferably, the data structure of the real asset further comprises a corresponding voucher, on which all information representing the real asset is stored, and a notarized file or legal file is added; the notarization file comprises relevant legal agency addresses, telephones, mail addresses, email addresses, specific guarantee words, real asset information and participating insurance agency information.
Preferably, the real asset information includes information of a storage location and a real asset management platform.
Preferably, the digital asset issuing process includes:
s1, setting corresponding intelligent contracts for each digital asset because each asset type has a corresponding specific issuing process and a corresponding intelligent contract;
s2, the digital asset platform examines information sent by the real asset management platform, wherein the information comprises the number of real assets, the quality of the real assets, the warranty of the real assets, the storage place of the real assets, the warranty of the real assets, the insurance information of the real assets, the third party authentication for the real assets and the issuing method law file of the real asset management platform;
S3, recording related information on the blockchain system or the interlinkage network system, and determining whether to issue the digital asset after checking all files by a digital asset lawyer team;
s4, if the digital asset distribution is not performed, stopping the digital asset distribution and recording the reason of refusal to be performed on the block chain system or the interlink network system; if it is decided to continue the digital asset distribution, recording the reason for accepting the digital asset distribution, and continuing to S5;
s5, the digital asset platform sends a message to the real asset management platform to determine the release type and the number of the digital assets;
s6, if the reply of the real asset management platform to the sent message is negative, stopping the digital asset release, and recording the decision and reason of stopping on the blockchain system or the interlink network system; if so, go to S7;
s7, recording all key information sent by a real asset management platform on the blockchain system or the interlinkage network system, wherein the key information comprises release date and time, an IP address of a digital asset management platform, a storage address of a real asset, related files sent by a third party asset verification company, guarantee bank information, guarantee files and insurance related files;
S8, signing related legal documents and insurance documents by both transaction parties of the digital asset, and storing the signed related legal documents and insurance documents on the block chain system or the interlinkage network system;
s9, executing the intelligent contract issued by the digital asset;
s10, after the digital asset is successfully issued, related information is sent to the real asset management platform;
s11, the real asset management platform confirms that the related information is received in a reply mode, and after confirmation, the issued digital asset can flow on the market; after the digital asset is issued, giving the digital asset information which is already bound with the real asset to the real asset management platform; in the process of trading on the digital asset platform, a client can buy or sell digital assets without going through the digital asset trading center; the purchase adopts a unified model, the corresponding flow of the model comprises client payment, and the digital asset platform generates corresponding digital assets and gives the corresponding digital assets to clients; the sales digital asset is implemented based on two sales models, one of which includes: the digital asset platform only provides the function of placing the digital asset of the client on a website or an App for display so as to be purchased by other clients; the second sales model includes: the digital asset platform purchases back the digital asset of the customer; two sales options are provided for the two sales models respectively, wherein one sales option is to only permit to purchase the whole digital asset for sale together; the second sales option is to permit purchase of a portion of the digital asset;
The digital asset transaction center performs transaction circulation for providing transactions and circulation of one or more digital assets through one digital asset transaction center; wherein a plurality of said digital asset trading centers are capable of providing trading and circulation for the same digital asset; the digital asset trading center and the digital asset have a many-to-many relationship; the digital asset transaction center and the digital asset platform cooperate to complete transactions; each digital asset transaction center is registered by a government, and can work and be regulated after being approved by the government; before each digital asset transaction center deals with and circulates a digital asset, the digital asset transaction center and the digital asset platform can mutually authenticate each other and then cooperate to complete the deals and the circulation; the digital asset transaction center performs transaction and circulation in a matching manner by collecting a plurality of or a plurality of digital assets; after the transaction and circulation, submitting transaction and circulation information to the digital asset platform by the digital asset transaction center, and updating related information of the digital asset by the digital asset platform according to the transaction and circulation information; each transaction and circulation, the digital asset transaction center provides the digital asset platform with the unit price of the digital asset, the number of the digital asset, the hash value of the digital asset, the source money Bao Haxi value, the target wallet hash value, the currency type, the transaction time, the two-party electronic mail of the transaction, the two-party certificate type of the transaction, the two-party certificate number of the transaction, the real name of the two-party transaction and the telephone number of the two-party transaction, and the above information is called when the transaction and circulation are performed; notifying a digital asset platform of information changes of the digital asset owners after trading and circulation by a digital asset trading center; the digital asset platform modifies the information of the digital asset owner after receiving the information and informs the digital asset transaction center that the information of the digital asset owner has been modified; the digital asset transaction center finishes settlement of the digital asset at the moment; payment settlement of the digital asset transaction center is paid and settled in a legal currency; the legal coins must be received and settled after the bank is cleared; the digital asset transaction center completes all payment and settlement firstly, then provides system account checking and settlement information, and notifies the digital asset platform of the owner information of the digital asset; the digital asset transaction center supports full digital asset transactions or partial digital asset transactions;
The digital asset redemption of real assets and digital asset verification includes:
(1) A client initiates an application for cashing the digital asset into a real asset; the following flow is to assume that once applied, all real assets corresponding to the digital assets need to be redeemed and extracted; if a customer only wants to redeem part of the real asset, the customer can sell part of the digital asset on the digital asset platform or the digital asset transaction center, and the real asset is redeemed on the real asset management platform after the real asset in the obtained digital asset is reduced;
(2) The digital asset platform verifying whether the digital asset is owned by the customer and whether a transaction status of the digital asset is in a locked status; if it is determined by examining the hash value of the digital asset that the digital asset is not owned by a customer or that the digital asset is being transacted and is not in a locked state, the application is automatically denied;
(3) The digital asset platform verifies the relevant information of the client again by telephone or mail, and the digital asset of the client enters a frozen state and cannot be used, wherein the non-use comprises buying, selling and cashing anywhere;
(4) Notifying the real asset management platform of the verified relevant information of the client;
(5) The real asset management platform re-authenticates the relevant information of the client after receiving the relevant information of the client, wherein the re-authentication is implemented through telephone or mail and comprises identity verification and asset confirmation, and the asset confirmation comprises whether the real asset is in a state without redemption and whether the digital asset is in a frozen state;
(6) The real asset management platform asks the customer to sign a receipt; the real asset management platform informs the digital asset platform to upload and link the receipt and then to cancel the digital asset, so that the digital asset is transferred from a frozen state to a destroyed state;
(7) After the digital asset platform confirms that the digital asset is approved, informing the real asset management platform and the digital asset in the current transaction of the client that the digital asset is approved, wherein the approved state indicates that the same digital asset cannot be purchased and sold in any place and cannot be redeemed for any real asset;
(8) And the real asset management platform releases the real asset corresponding to the digital asset to the corresponding client.
The invention has the beneficial effects that:
the invention solves the problem of binding the digital asset and the entity asset, so that the entity asset can be assisted by the digital asset, and the national policy is met.
(1) The invention stores a large amount of information, including data used in different bodies and systems and block chain systems, binding processes, so that the entity asset mechanism is dishonest and the possibility of providing false information is greatly reduced;
(2) Before digital assets are released, the corresponding real assets must be stored in a real asset management platform, which in turn puts the real assets in a third party hosting facility. And the information of the third party hosting organization is also subjected to supervision of a supervision unit, and the related information and the hosting information are linked up, so that all participating institutions are guaranteed to have the same information. Thus, the entity institution of the real asset is banked because of poor operation, and the corresponding digital asset still exists a third party hosting institution to honor the real asset;
(3) Because the digital asset is authenticated by real name and exists in the blockchain system when being issued to the client, the client cannot forge the digital asset;
(4) Since each digital asset is registered with the blockchain system and is to be redeemed, it is checked whether it is in a frozen, redeemed or destroyed state. In these three states, the real asset cannot be redeemed, so the customer cannot request the double-flower digital asset to succeed;
(5) Because the digital asset platform has information on the blockchain system and the supervision units have the same information, the digital asset platform cannot forge digital assets or issue a plurality of digital assets for one real asset to be provided for a real asset management center, a digital asset transaction center or a client;
(6) Because the digital asset transaction center only pre-transacts and the final settlement is completed on the digital asset platform, namely when the owner information of the digital asset is changed, the digital asset transaction center cannot cheat or is attacked, so that the digital asset is stolen or destroyed. If the digital trading center cheats, the digital asset platform may ignore that they alter the digital asset owner information;
(7) It is not possible for multiple authorities to collaborate to do fraud, such as a real asset management authority and a digital asset authority to collaborate together, a fraudulent client, and other authorities, because the real asset management platform has independent regulations, if these authorities can collaborate together to fraud, multiple regulatory authorities are required to agree.
The above, as well as additional objectives, advantages, and features of the present invention will become apparent to those skilled in the art from the following detailed description of a specific embodiment of the present invention when read in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers will be used throughout the drawings to refer to the same or like parts or portions. It will be appreciated by those skilled in the art that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent in view of the following description taken in conjunction with the accompanying drawings in which:
fig. 1 is a flow chart of a digital asset issuing and distribution method according to a preferred embodiment of the present invention.
Fig. 2 is a block diagram of a digital asset issuing and distribution system according to a preferred embodiment of the present invention.
Description of the embodiments
In order that the invention may be more readily understood, reference will now be made to the following description of the invention taken in conjunction with the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
The present embodiment provides a key data structure for digital asset distribution and circulation methods for participating in digital asset business, the key data structure comprising:
(1) Real asset: asset types (e.g., wine, tea or others, e.g., wine may be white spirit, red wine, maotai, etc.); a storage address (e.g., a real asset management platform address); date of production (if any); a production site (if any); expiration date (if any, e.g., tea has expiration date); number of pieces; quality (based on common criteria for real assets, e.g., highest level, high level, medium level, normal level, etc.).
(2) Digital asset: digital asset digital Identification (ID); initial and now owner (customer) information including name, address, phone, email and/or customer credit rating; an initial release date and time; digital asset types (e.g., digital wine, digital tea, etc.); corresponding real asset management platform information including legal person information, addresses, customer service telephones, customer service electronic mailboxes and the like; real asset production date, production site; expiration date; number of pieces; quality.
As a preferred embodiment, the data structure of the digital asset further includes a digital asset identification card, date and time of release, and corresponding real asset information (including storage address, quantity and quality, etc.), so that the customer has confidence that the digital asset has corresponding real asset for redemption.
As a preferred embodiment, the data structure of the real asset further comprises a corresponding voucher, on which all information representing the real asset is stored, and a notarized file or legal file is added; the notarization file comprises relevant legal agency addresses, telephones, mail addresses, email addresses, specific guarantee words, real asset information (including information of a storage place and a real asset management platform) and participating insurance agency information.
Referring to fig. 1, the method includes:
digital asset distribution, trading on a digital asset platform, trading circulation by a digital asset trading center, redemption of digital assets for real assets, and digital asset verification.
As a preferred embodiment, the digital asset issuing process includes:
s1, setting corresponding intelligent contracts for each digital asset because each asset type has a corresponding specific issuing process and a corresponding intelligent contract;
S2, the digital asset platform examines information sent by the real asset management platform, wherein the information comprises the number of real assets, the quality of the real assets, the warranty of the real assets, the storage place of the real assets, the warranty of the real assets, the insurance information of the real assets, the third party authentication for the real assets and the issuing method law file of the real asset management platform;
s3, recording related information on the blockchain system or the interlinkage network system, and determining whether to issue the digital asset after checking all files by a digital asset lawyer team;
s4, if the digital asset distribution is not performed, stopping the digital asset distribution and recording the reason of refusal to be performed on the block chain system or the interlink network system; if it is decided to continue the digital asset distribution, recording the reason for accepting the digital asset distribution, and continuing to S5;
s5, the digital asset platform sends a message to the real asset management platform to determine the release type and the number of the digital assets;
s6, if the reply of the real asset management platform to the sent message is negative, stopping the digital asset release, and recording the decision and reason of stopping on the blockchain system or the interlink network system; if so, go to S7;
S7, recording all key information sent by a real asset management platform on the blockchain system or the interlinkage network system, wherein the key information comprises release date and time, an IP address of a digital asset management platform, a storage address of a real asset, related files sent by a third party asset verification company, guarantee bank information, guarantee files and insurance related files;
s8, signing related legal documents and insurance documents by both transaction parties of the digital asset, and storing the signed related legal documents and insurance documents on the block chain system or the interlinkage network system;
s9, executing the intelligent contract issued by the digital asset;
s10, after the digital asset is successfully issued, related information is sent to the real asset management platform;
s11, the real asset management platform confirms that the related information is received in a reply mode, and after confirmation, the issued digital asset can flow on the market.
As a preferred embodiment, the S8 makes the issued digital asset bind with the real asset, and after signing the related legal document and insurance document, the real asset management platform ensures that the digital asset has the corresponding real asset, and the real asset is locked on the real asset management platform so that the digital asset cannot be bound by other digital assets any more, is directly traded or is destroyed.
As a preferred embodiment, after each of the digital assets is released, release information is recorded in the blockchain system or the interlink network system which the digital asset platform itself has, the release information including asset type, real asset management platform information, real asset storage location, number of copies, release time, initial price, release date and time; wherein the initial price is not necessarily filled with information.
In a preferred embodiment, if one of the digital assets already has a purchaser, information of the purchaser is recorded on the digital asset, the information of the purchaser including a name, an address, a mail address and an email address. The information of the purchaser can exist in the digital asset after the information of the purchaser needs to be verified in advance, and the information of the purchaser is recorded in the block chain system or the interlink network system of the digital asset platform. If no purchaser of the digital asset has yet occurred after the recording is completed, the digital asset platform becomes the owner of the digital asset.
As a preferred embodiment, the digital asset information already bound to the real asset is given to the real asset management platform after the digital asset is released. If the real asset management platform finds out improper at this time, for example, the digital asset platform oversubscribes or the issuing information is incorrect, the real asset management platform sends out a digital asset error alarm; only digital assets that receive confirmation of real assets can be streamed on the market.
For example, a digital gold digital asset will record how many grams of gold the digital gold digital asset corresponds to, gold management platform information (e.g., china Bank of London, UK), total release number (e.g., 1000 copies), actual gold storage location (e.g., china Bank of London, UK), initial value (e.g., 300 RMB), release date and time (2023, 6, 20, 9 morning). While this digital asset is walked by Wang Sanmai, information of wang three is also stored within the digital asset.
As a preferred embodiment, the customer may purchase or sell digital assets on the digital asset platform without going through the digital asset trading center during the trading process on the digital asset platform. The purchase adopts a unified model, the corresponding flow of the model comprises client payment, and the digital asset platform generates corresponding digital assets and gives the corresponding digital assets to clients; the sales digital asset is implemented based on two sales models, one of which includes: the digital asset platform only provides the function of placing the digital asset of the client on a website or an App for display so as to be purchased by other clients; the second sales model includes: the digital asset platform purchases back the digital asset of the customer. Most overseas digital asset platforms now use the first model, i.e., after sale, they are not responsible for buyback. The method provides two models to select, is more flexible, can provide purchase guarantee, and improves enthusiasm and frequency of transaction.
As a preferred embodiment, there are two sales options for two sales models, respectively, one of which is that only the purchase of the entire digital asset is permitted to be sold together; the second sales option is to permit purchase of a portion of a digital asset.
Four embodiments are provided as follows:
example 1: with the first sales model and the first sales option, i.e., no repurchase and only the entire digital asset is allowed to be sold together, customer 1 plans to place its digital asset on the digital asset platform for sale, and can offer the price of the sale. The flow is as follows:
S1A, client 1 submits a digital asset;
S1B, the digital asset platform verifying the submitted digital asset, the verifying comprising: the digital asset platform checks the authenticity of the digital asset, for example, checks the owner information, whether the owner has the corresponding real asset (not yet redeemed), whether the digital asset is in a locked, frozen, redeemed or destroyed state, if the digital asset is in any of the above states, the digital asset platform refuses the sale at this time, and the process ends;
S1C, locking the digital asset and disclosing the selling will and selling price of the digital asset on a website allowed by a digital asset platform;
S1D, determining that a client 2 decides to purchase the digital asset, and obtaining the digital asset after payment of the client 2; the digital asset platform updates attribute information of the digital asset, including the digital asset owner information, conversion date and time of the digital asset and payment related information, and records the attribute information on the blockchain system or the interlinkage network system;
S1E, determining that the digital asset is not sold after a fixed time period, and updating the sales price or exiting the digital asset from the market by the client 1 to conduct no transaction.
Example 2: with the first sales model and the second sales option, i.e., the portion of the asset that is not repurchase and is licensed to purchase a digital asset, customer 1 plans to sell its digital asset on the digital asset platform and can offer the price of the sale. The flow is as follows:
S2A, client 1 submits digital assets, including X assets and Y assets;
S2B, the digital asset platform verifying the submitted digital asset, the verifying comprising: the digital asset platform checks the authenticity of the digital asset, for example, checks the owner information, whether the owner has the corresponding real asset (not yet redeemed), whether the digital asset is in a locked, frozen, redeemed or destroyed state, if the digital asset is in any of the above states, the digital asset platform refuses the sale at this time, and the process ends;
S2C, locking the digital asset and disclosing the selling will and selling price of the digital asset on a website allowed by a digital asset platform;
S2D, determining that client 2 decides to purchase Y assets in the digital asset, while X-Y assets have not yet been sold;
S2E, the digital asset platform issues two new digital assets A and B, wherein the digital asset A corresponds to a Y asset and the digital asset B corresponds to an X-Y asset;
S2F, the digital asset platform gives digital asset a to customer 2 and digital asset B to customer 1.
Example 3: with the second sales model and the first sales option, i.e., repurchase and permit only the entire digital asset to be sold together, customer 1 plans to place its digital asset on the digital asset platform for sale, and can offer the price of the sale. The flow is as follows:
S3A, submitting digital assets and prices by the client 1;
S3B, the digital asset platform verifying the submitted digital asset, the verifying comprising: the digital asset platform checks the authenticity of the digital asset, for example, checks the owner information, whether the owner has the corresponding real asset (not yet redeemed), whether the digital asset is in a locked, frozen, redeemed or destroyed state, if the digital asset is in any of the above states, the digital asset platform refuses the sale at this time, and the process ends;
S3C, if the price required by the client 1 is higher than the price willing to be accepted by the digital asset platform, the digital asset platform refuses the transaction, and the process is ended;
S3D, if the price required by the client 1 is lower than the price willing to accept by the digital asset platform, the digital asset platform firstly updates the information of the digital asset owner, pays the client 1, and links the related information of the transaction;
S3E, the digital asset platform re-mounts the digital asset on the "sell" board for other customers to purchase the digital asset at a higher selling price than paid to customer 1.
As a preferred embodiment, for the second sales model, the digital asset platform may choose to either show or not show the purchase price, which would be lower than the sales price paid to the client 1 in S3E.
As a preferred embodiment, the digital asset platform is capable of rejecting digital assets that customers want to sell at any time.
As a preferred embodiment, the digital asset platform is capable of charging or not charging a disclosed transaction fee for the first sales model and the second sales model.
Example 4: with the second sales model and the second sales option, i.e., purchasing back and permitting purchase of a portion of the digital asset, customer 1 plans to sell its digital asset on the digital asset platform and can offer the price of the sale. The flow is as follows:
S4A, client 1 submits digital assets, including X assets and Y assets; customer 1 is willing to sell only Y assets, so X-Y assets have not yet been sold;
S4B, the digital asset platform verifying the submitted digital asset, the verifying comprising: the digital asset platform checks the authenticity of the digital asset, for example, checks the owner information, whether the owner has the corresponding real asset (not yet redeemed), whether the digital asset is in a locked, frozen, redeemed or destroyed state, if the digital asset is in any of the above states, the digital asset platform refuses the sale at this time, and the process ends;
S4C, locking the digital asset and disclosing the selling will and selling price of the digital asset on a website allowed by a digital asset platform;
S4D, determining that client 2 decides to purchase Y assets in the digital assets, while X-Y assets have not yet been sold;
S4E, the digital asset platform issues two new digital assets A and B, wherein the digital asset A corresponds to a Y asset and the digital asset B corresponds to an X-Y asset;
S4F, the digital asset platform gives the a digital asset to customer 2, while leaving the B digital asset in the digital asset platform.
As a preferred embodiment, the digital asset trading center performs trading circulation for providing trading and circulation of one or more of the digital assets through one digital asset trading center; wherein a plurality of said digital asset trading centers are capable of providing trading and circulation for the same digital asset; the digital asset trading center and the digital asset have a many-to-many relationship; the digital asset transaction center and the digital asset platform cooperate to complete transactions, and particularly each digital asset requiring transaction needs to pass the verification of the digital asset platform to conduct transactions and circulation.
As a preferred embodiment, each of said digital asset transaction centers is registered with a government and is approved by said government for operation and administration; each digital asset transaction center can cooperate with the digital asset platform to complete the transaction and circulation before the transaction and circulation of one digital asset are mutually authenticated.
The preferred embodiment does not discuss how the trading center matches the trade, but only how the digital asset platform cooperates with the digital asset trading center to complete the trade.
A customer in the system may make a request for a transaction and circulation at the digital asset trading center or may request the digital asset platform to instead select one of the digital asset trading centers for a transaction and circulation. The customer must register in the digital asset transaction center in advance while authenticating his identity with a real name or an identity card. Before the digital asset transaction center deals and circulates, the digital asset of the client is verified whether the digital asset is real through the digital asset transaction center, whether the real asset is real is verified, and the digital asset is ensured not to be in a locked, frozen, honored and destroyed state.
After these passes, the digital asset platform locks the digital asset (thereby placing the digital asset in a locked state) and provides an identification card for the digital asset transaction center when locked. After the digital asset platform locks a digital asset, the related locking information is linked to inform the digital asset transaction center that the digital asset is locked, and only the digital asset transaction center locking the digital asset can transact the digital asset.
A digital asset can only be traded at a digital asset trading center during a time. If the digital asset platform is cheating, whether the digital asset platform has fraudulent conduct can be judged according to the information in the blockchain system. The digital asset platform is responsible for the associated loss claims, if any, that result.
As a preferred embodiment, the digital asset trading center trades and circulates in a matched manner by collecting a plurality or variety of digital assets. And after the transaction and circulation, submitting transaction and circulation information to the digital asset platform by the digital asset transaction center, and updating the related information of the digital asset by the digital asset platform according to the transaction and circulation information. And each transaction and circulation, the digital asset transaction center provides the digital asset platform with the unit price of the digital asset, the number of the digital asset, the hash value of the digital asset, the source money Bao Haxi value, the target wallet hash value, the currency type, the transaction time, the two-party electronic mail of the transaction, the two-party certificate type of the transaction, the two-party certificate number of the transaction, the real names of the two-party transaction and the telephone number of the two-party transaction, and the above information is called when the transaction and circulation are performed.
As a preferred embodiment, the digital asset transaction center notifies the digital asset platform of the change in information of the digital asset owner after the transaction and circulation. The digital asset platform modifies the information of the digital asset owner after receiving the information and informs the digital asset transaction center that the information of the digital asset owner has been modified; and the digital asset transaction center finishes settlement of the digital asset at the moment.
As a preferred embodiment, the digital asset new owner may decide to leave the digital asset in the digital asset transaction center so that the digital asset remains in a "locked" state. If a new owner decides not to leave the digital asset at the digital asset trading center, the digital asset is changed to a "trading" state.
As a preferred embodiment, the payment settlement of the digital asset transaction center is in a legal payment and settlement. If supported by law, the law enforcement must be received and cleared after the bank has cleared. The digital asset transaction center completes all payment and settlement, and then provides system reconciliation and settlement information to inform the digital asset platform of the owner information of the digital asset.
As a preferred embodiment, the digital asset trading center supports full digital asset trading or partial digital asset trading.
As a preferred embodiment, the digital asset redemption of real assets and digital asset verification includes:
(1) A client initiates an application for cashing the digital asset into a real asset; the following flow is to assume that once applied, all real assets corresponding to the digital assets need to be redeemed and extracted; if a customer only wants to redeem part of the real asset, the customer can sell part of the digital asset on the digital asset platform or the digital asset transaction center, and the real asset is redeemed on the real asset management platform after the real asset in the obtained digital asset is reduced;
(2) The digital asset platform verifying whether the digital asset is owned by the customer and whether a transaction status of the digital asset is in a locked status; if it is determined by examining the hash value of the digital asset that the digital asset is not owned by a customer or that the digital asset is being transacted and is not in a locked state, the application is automatically denied;
(3) The digital asset platform verifies the relevant information of the client again by telephone or mail, and the digital asset of the client enters a frozen state and cannot be used (including buying, selling, cashing and the like at any place);
(4) Notifying the real asset management platform of the verified relevant information of the client;
(5) The real asset management platform re-authenticates the relevant information of the client after receiving the relevant information of the client, wherein the re-authentication is implemented through telephone or mail and comprises identity verification and asset confirmation, and the asset confirmation comprises whether the real asset is in a state without redemption and whether the digital asset is in a frozen state;
(6) The real asset management platform asks the customer to sign a receipt; the real asset management platform informs the digital asset platform to upload and link the receipt and then to cancel the digital asset, so that the digital asset is transferred from a frozen state to a destroyed state;
(7) After the digital asset platform confirms that the digital asset is approved, informing the real asset management platform and the digital asset in the current transaction of the client that the digital asset is approved, wherein the approved state indicates that the same digital asset cannot be purchased and sold in any place and cannot be redeemed for any real asset;
(8) And the real asset management platform releases the real asset corresponding to the digital asset to the corresponding client.
As a preferred embodiment, the customer can refuse redemption before the real asset is not taken, at which point the digital asset continues to flow over the network, while the customer does not take the real asset. The customer completing the refusal redemption at the time the customer is required to sign a receipt by the real asset management platform of step (6); if the refusal redemption is completed, the digital asset is changed from a frozen state to a transacted state.
As a preferred embodiment, the digital asset platform is only able to change the state of the digital asset from a frozen state to a destroyed state after the real asset management platform first releases the real asset to the client.
The embodiment solves the problem of binding the digital asset and the entity asset, so that the entity asset can be assisted by the digital asset, and the national policy is met.
(1) The invention stores a large amount of information, including data used in different bodies and systems and block chain systems, binding processes, so that the entity asset mechanism is dishonest and the possibility of providing false information is greatly reduced;
(2) Before digital assets are released, the corresponding real assets must be stored in a real asset management platform, which in turn puts the real assets in a third party hosting facility. And the information of the third party hosting organization is also subjected to supervision of a supervision unit, and the related information and the hosting information are linked up, so that all participating institutions are guaranteed to have the same information. Thus, the entity institution of the real asset is banked because of poor operation, and the corresponding digital asset still exists a third party hosting institution to honor the real asset;
(3) Because the digital asset is authenticated by real name and exists in the blockchain system when being issued to the client, the client cannot forge the digital asset;
(4) Since each digital asset is registered with the blockchain system and is to be redeemed, it is checked whether it is in a frozen, redeemed or destroyed state. In these three states, the real asset cannot be redeemed, so the customer cannot request the double-flower digital asset to succeed;
(5) Because the digital asset platform has information on the blockchain system and the supervision units have the same information, the digital asset platform cannot forge digital assets or issue a plurality of digital assets for one real asset to be provided for a real asset management center, a digital asset transaction center or a client;
(6) Because the digital asset transaction center only pre-transacts and the final settlement is completed on the digital asset platform, namely when the owner information of the digital asset is changed, the digital asset transaction center cannot cheat or is attacked, so that the digital asset is stolen or destroyed. If the digital trading center cheats, the digital asset platform may ignore that they alter the digital asset owner information;
(7) It is not possible for multiple authorities to collaborate to do fraud, such as a real asset management authority and a digital asset authority to collaborate together, a fraudulent client, and other authorities, because the real asset management platform has independent regulations, if these authorities can collaborate together to fraud, multiple regulatory authorities are required to agree.
While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It will be appreciated by those skilled in the art that changes and modifications may be made to the embodiments of the invention without departing from the scope and spirit thereof.
Claims (10)
1. A key data structure for use in a digital asset distribution and distribution method for participating in a digital asset business, the method comprising: digital asset distribution, trading on a digital asset platform, trading circulation by a digital asset trading center, redemption of real assets by digital assets, and digital asset verification;
the key data structure comprises:
(1) Real asset: asset type; storing the address; date of production; a production site; expiration date; number of pieces; quality;
(2) Digital asset: a digital asset digital identification card; initial and now owner information; an initial release date and time; digital asset types; corresponding real asset management platform information; real asset production date, production site; expiration date; number of pieces; quality.
2. A key data structure for a digital asset distribution and distribution method as defined in claim 1, wherein the storage address is a real asset management platform address.
3. A key data structure for digital asset distribution and distribution methods according to claim 2, characterized in that the quality is classified into highest, high, medium and normal according to the general standard of real assets.
4. A key data structure for a digital asset distribution and circulation method according to claim 3, wherein the initial and present owner information comprises name, address, phone, email and/or customer credit rating.
5. The key data structure for digital asset distribution and distribution method as claimed in claim 4, wherein the corresponding real asset management platform information includes legal information, addresses, customer service telephones and customer service electronic mailboxes.
6. The key data structure for a digital asset distribution and distribution method according to claim 5, wherein the data structure of the digital asset further comprises a digital asset identification card, a date and time of release, and corresponding real asset information, thereby enabling a customer to have confidence that the digital asset has a corresponding real asset that can be redeemed.
7. A key data structure for a digital asset distribution and distribution method as defined in claim 6, wherein the corresponding real asset information comprises a storage address, a quantity and a quality.
8. A key data structure for a digital asset distribution and distribution method according to claim 7, wherein the data structure of the real asset further comprises corresponding vouchers on which all information representing the real asset is stored and notarized files or legal files are added; the notarization file comprises relevant legal agency addresses, telephones, mail addresses, email addresses, specific guarantee words, real asset information and participating insurance agency information.
9. A key data structure for a digital asset distribution and distribution method as defined in claim 8, wherein the real asset information comprises information of a storage location and a real asset management platform.
10. The key data structure for digital asset distribution and distribution method as defined in claim 9, wherein the flow of digital asset distribution comprises:
s1, setting corresponding intelligent contracts for each digital asset because each asset type has a corresponding specific issuing process and a corresponding intelligent contract;
s2, the digital asset platform examines information sent by the real asset management platform, wherein the information comprises the number of real assets, the quality of the real assets, the warranty of the real assets, the storage place of the real assets, the warranty of the real assets, the insurance information of the real assets, the third party authentication for the real assets and the issuing method law file of the real asset management platform;
s3, recording related information on the blockchain system or the interlinkage network system, and determining whether to issue the digital asset after checking all files by a digital asset lawyer team;
s4, if the digital asset distribution is not performed, stopping the digital asset distribution and recording the reason of refusal to be performed on the block chain system or the interlink network system; if it is decided to continue the digital asset distribution, recording the reason for accepting the digital asset distribution, and continuing to S5;
S5, the digital asset platform sends a message to the real asset management platform to determine the release type and the number of the digital assets;
s6, if the reply of the real asset management platform to the sent message is negative, stopping the digital asset release, and recording the decision and reason of stopping on the blockchain system or the interlink network system; if so, go to S7;
s7, recording all key information sent by a real asset management platform on the blockchain system or the interlinkage network system, wherein the key information comprises release date and time, an IP address of a digital asset management platform, a storage address of a real asset, related files sent by a third party asset verification company, guarantee bank information, guarantee files and insurance related files;
s8, signing related legal documents and insurance documents by both transaction parties of the digital asset, and storing the signed related legal documents and insurance documents on the block chain system or the interlinkage network system;
s9, executing the intelligent contract issued by the digital asset;
s10, after the digital asset is successfully issued, related information is sent to the real asset management platform;
S11, the real asset management platform confirms that the related information is received in a reply mode, and after confirmation, the issued digital asset can flow on the market; after the digital asset is issued, giving the digital asset information which is already bound with the real asset to the real asset management platform; in the process of trading on the digital asset platform, a client can buy or sell digital assets without going through the digital asset trading center; the purchase adopts a unified model, the corresponding flow of the model comprises client payment, and the digital asset platform generates corresponding digital assets and gives the corresponding digital assets to clients; the sales digital asset is implemented based on two sales models, one of which includes: the digital asset platform only provides the function of placing the digital asset of the client on a website or an App for display so as to be purchased by other clients; the second sales model includes: the digital asset platform purchases back the digital asset of the customer; two sales options are provided for the two sales models respectively, wherein one sales option is to only permit to purchase the whole digital asset for sale together; the second sales option is to permit purchase of a portion of the digital asset;
The digital asset transaction center performs transaction circulation for providing transactions and circulation of one or more digital assets through one digital asset transaction center; wherein a plurality of said digital asset trading centers are capable of providing trading and circulation for the same digital asset; the digital asset trading center and the digital asset have a many-to-many relationship; the digital asset transaction center and the digital asset platform cooperate to complete transactions; each digital asset transaction center is registered by a government, and can work and be regulated after being approved by the government; before each digital asset transaction center deals with and circulates a digital asset, the digital asset transaction center and the digital asset platform can mutually authenticate each other and then cooperate to complete the deals and the circulation; the digital asset transaction center performs transaction and circulation in a matching manner by collecting a plurality of or a plurality of digital assets; after the transaction and circulation, submitting transaction and circulation information to the digital asset platform by the digital asset transaction center, and updating related information of the digital asset by the digital asset platform according to the transaction and circulation information; each transaction and circulation, the digital asset transaction center provides the digital asset platform with the unit price of the digital asset, the number of the digital asset, the hash value of the digital asset, the source money Bao Haxi value, the target wallet hash value, the currency type, the transaction time, the two-party electronic mail of the transaction, the two-party certificate type of the transaction, the two-party certificate number of the transaction, the real name of the two-party transaction and the telephone number of the two-party transaction, and the above information is called when the transaction and circulation are performed; notifying a digital asset platform of information changes of the digital asset owners after trading and circulation by a digital asset trading center; the digital asset platform modifies the information of the digital asset owner after receiving the information and informs the digital asset transaction center that the information of the digital asset owner has been modified; the digital asset transaction center finishes settlement of the digital asset at the moment; payment settlement of the digital asset transaction center is paid and settled in a legal currency; the legal coins must be received and settled after the bank is cleared; the digital asset transaction center completes all payment and settlement firstly, then provides system account checking and settlement information, and notifies the digital asset platform of the owner information of the digital asset; the digital asset transaction center supports full digital asset transactions or partial digital asset transactions;
The digital asset redemption of real assets and digital asset verification includes:
(1) A client initiates an application for cashing the digital asset into a real asset; the following flow is to assume that once applied, all real assets corresponding to the digital assets need to be redeemed and extracted; if a customer only wants to redeem part of the real asset, the customer can sell part of the digital asset on the digital asset platform or the digital asset transaction center, and the real asset is redeemed on the real asset management platform after the real asset in the obtained digital asset is reduced;
(2) The digital asset platform verifying whether the digital asset is owned by the customer and whether a transaction status of the digital asset is in a locked status; if it is determined by examining the hash value of the digital asset that the digital asset is not owned by a customer or that the digital asset is being transacted and is not in a locked state, the application is automatically denied;
(3) The digital asset platform verifies the relevant information of the client again by telephone or mail, and the digital asset of the client enters a frozen state and cannot be used, wherein the non-use comprises buying, selling and cashing anywhere;
(4) Notifying the real asset management platform of the verified relevant information of the client;
(5) The real asset management platform re-authenticates the relevant information of the client after receiving the relevant information of the client, wherein the re-authentication is implemented through telephone or mail and comprises identity verification and asset confirmation, and the asset confirmation comprises whether the real asset is in a state without redemption and whether the digital asset is in a frozen state;
(6) The real asset management platform asks the customer to sign a receipt; the real asset management platform informs the digital asset platform to upload and link the receipt and then to cancel the digital asset, so that the digital asset is transferred from a frozen state to a destroyed state;
(7) After the digital asset platform confirms that the digital asset is approved, informing the real asset management platform and the digital asset in the current transaction of the client that the digital asset is approved, wherein the approved state indicates that the same digital asset cannot be purchased and sold in any place and cannot be redeemed for any real asset;
(8) And the real asset management platform releases the real asset corresponding to the digital asset to the corresponding client.
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