CN116977061A

CN116977061A - Asset management method, device, equipment and medium

Info

Publication number: CN116977061A
Application number: CN202310967648.5A
Authority: CN
Inventors: 梁佳敏
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-08-02
Filing date: 2023-08-02
Publication date: 2023-10-31

Abstract

The application relates to the technical field of blockchains, in particular to an asset management method, device, equipment and medium, which are used for meeting the requirement of a user for flexibly betting each asset in a mortgage process and improving the satisfaction degree of the user. The method comprises the following steps: responding to a mortgage instruction of an asset pool triggered by a first user, and moving the asset pool under the digital wallet of the first user on the blockchain to the digital wallet of a second user according to a preset intelligent contract; determining a first financing amount according to a first application amount in the mortgage instruction and the total amount of assets in the asset pool, and adding first financing funds corresponding to the first financing amount into a non-asset pool under a digital wallet of a first user; and responding to a target asset escrow instruction triggered by the first user, and if the difference between the total amount of the assets in the asset pool and the target asset is greater than or equal to the first financing amount, moving the target asset in the asset pool under the digital wallet of the second user to a non-asset pool under the digital wallet of the first user.

Description

Asset management method, device, equipment and medium

Technical Field

The present disclosure relates to the field of blockchain technologies, and in particular, to an asset management method, apparatus, device, and medium.

Background

An electronic bill of lading is a valid electronic voucher for contractual agreements, right of goods confirmation, delivery of goods, etc., which may be used to represent the user's assets. And the user submits a bill application on a designated warehouse platform according to the goods, warehouse personnel conduct supervision and inspection, the bill verification platform conducts bill verification after verifying that the goods information is real, and a formal electronic bill is generated after verification is passed. Therefore, the formal electronic bill has a currency flow feature.

The user can use the electronic bill to make the asset mortgage on the financial institution platform, but when the user wants to mortgage a certain asset in the asset mortgage process, the user needs to return all the debts to the financial institution platform to mortgage the asset. Therefore, the prior art cannot meet the requirement of users for flexibly de-pressing all the assets in the process of mortgage, thereby causing the problem of lower user satisfaction.

Disclosure of Invention

The embodiment of the application provides an asset management method, device, equipment and medium, which are used for meeting the requirement of a user for flexibly resolving each asset in a mortgage process and improving the satisfaction degree of the user.

In a first aspect, the present application provides an asset management method, the method comprising:

Responding to a mortgage instruction of an asset pool triggered by a first user, and moving the asset pool under the digital wallet of the first user on a blockchain to the digital wallet of a second user according to a preset intelligent contract, wherein the asset pool comprises at least one asset;

determining a first financing amount according to a first application amount in the mortgage instruction and the total amount of the assets in the asset pool, and adding first financing funds corresponding to the first financing amount into a non-asset pool under a digital wallet of the first user;

and responding to a target asset escrow instruction triggered by the first user, and if the difference between the total asset amount of the asset pool and the target asset is greater than or equal to the first financing amount, moving the target asset in the asset pool under the digital wallet of the second user to a non-asset pool under the digital wallet of the first user.

According to the technical scheme provided by the embodiment of the application, the asset pool under the digital wallet of the first user on the blockchain can be moved to the digital wallet of the second user according to the preset intelligent contract, the first financing amount is determined according to the first application amount in the first user-triggered mortgage instruction and the total asset amount of the asset pool, and the first financing funds corresponding to the first financing amount are added into the non-asset pool under the digital wallet of the first user, so that the asset pool of the first user is finished without other operations, the mortgage efficiency is improved, and the time spent by the mortgage flow is shortened. When the asset pool of the first user is in the mortgage, the first user does not need to return all arless money to the second user, and under the condition that the difference value between the total asset amount of the asset pool and the target asset is larger than or equal to the first financing amount, the target asset in the asset pool under the digital wallet of the second user is moved and stored into the non-asset pool under the digital wallet of the first user, so that the target asset is decompressed, the requirement of the user for flexibly decompressing each asset in the mortgage process is met, and the user satisfaction is improved.

In one possible embodiment, prior to responding to the first user-triggered asset pool mortgage instruction, the method further comprises:

and responding to a pool entering instruction of the target asset triggered by the first user, if the fact that an asset pool does not exist under the digital wallet of the first user is determined, creating the asset pool under the digital wallet of the first user on the blockchain, and adding the target asset into the asset pool.

According to the technical scheme provided by the embodiment of the application, when the asset pool does not exist under the digital wallet of the first user, the asset pool under the digital wallet of the first user is created on the blockchain, and the target asset is added into the asset pool, so that each asset of the first user is flexibly put into the pool, and the user satisfaction is improved.

In one possible embodiment, the method further comprises:

and responding to a pool entering instruction of the target asset triggered by the first user, and adding the target asset into an asset pool if the asset pool exists under the digital wallet of the first user.

According to the technical scheme provided by the embodiment of the application, when the asset pool exists under the digital wallet of the first user, the target asset is added into the asset pool, so that each asset of the first user can be flexibly put into the pool, and the user satisfaction is improved.

In one possible embodiment, the method further comprises:

and responding to a de-funding instruction of the asset pool triggered by the first user, and if the first financing amount is smaller than or equal to a set financing threshold, moving the asset pool under the digital wallet of the second user on a blockchain to the digital wallet of the first user.

According to the technical scheme provided by the embodiment of the application, when the first financing amount is smaller than or equal to the set financing threshold, the asset pool under the digital wallet of the second user on the blockchain is moved and stored under the digital wallet of the first user, so that flexible escrow of the asset pool is realized, and the user satisfaction is improved.

In one possible embodiment, after moving the pool of assets under the second user's digital wallet on a blockchain to under the first user's digital wallet, the method further comprises:

and in response to an asset pool cancellation instruction triggered by the first user, canceling the asset pool under the digital wallet of the first user on the blockchain if no asset exists in the asset pool.

In one possible embodiment, after said moving said target asset in said pool of assets under said second user's digital wallet to a pool of non-assets under said first user's digital wallet, said method further comprises:

And deleting the target asset from a non-asset pool under the digital wallet of the first user in response to a deletion instruction of the target asset triggered by the first user.

In one possible embodiment, the determining the first financing amount according to the first application amount in the asset pool mortgage instruction and the asset total of the asset pool includes:

if the first application credit is smaller than or equal to the total amount of the assets in the asset pool, the first application credit is used as the first financing credit;

and if the first application credit is larger than the total asset credit of the asset pool, taking the total asset credit of the asset pool as the first financing credit.

In one possible embodiment, the method further comprises:

if the first financing fund is smaller than the total amount of assets in the asset pool, responding to an asset financing instruction triggered by the first user, determining a second financing amount according to the difference between the total amount of assets in the asset pool and the first financing fund and a second application amount in the asset financing instruction, and adding the second financing fund corresponding to the second financing amount into a non-asset pool under a digital wallet of the first user.

According to the technical scheme provided by the embodiment of the application, when the first financing fund is smaller than the total amount of the assets in the asset pool, the second financing amount can be determined according to the difference between the total amount of the assets in the asset pool and the first financing fund and the second application amount in the asset financing instruction triggered by the first user, and the second financing fund corresponding to the second financing amount is added in a non-asset pool under the digital wallet of the first user, so that asset financing is completed without other operations, and the financing process can improve the processing efficiency, shorten the time and improve the user satisfaction.

In one possible embodiment, the determining a second financing amount according to a difference between the total amount of assets in the pool of assets and the first financing funds and a second application amount in the asset financing instruction comprises:

if the second application credit is smaller than or equal to the difference value, the second application credit is used as the second financing credit;

and if the second application credit is larger than the difference value, taking the difference value as the second financing credit.

In one possible embodiment, the assets include some or all of electronic assets, real estate, and funds.

In a second aspect, the present application provides an asset management device, the device comprising:

the system comprises an asset pool mortgage module, a first user and a second user, wherein the asset pool mortgage module is used for responding to a mortgage instruction of an asset pool triggered by the first user and moving the asset pool under the digital wallet of the first user on a blockchain to the digital wallet of the second user according to a preset intelligent contract, and the asset pool comprises at least one asset;

the determining module is used for determining a first financing amount according to a first application amount in the mortgage instruction and the total amount of the assets in the asset pool, and adding first financing funds corresponding to the first financing amount into a non-asset pool under the digital wallet of the first user;

and the asset escrow module is used for responding to a escrow instruction of the target asset triggered by the first user, and if the difference value between the total asset amount of the asset pool and the target asset is greater than or equal to the first financing amount, the target asset in the asset pool under the digital wallet of the second user is moved to a non-asset pool under the digital wallet of the first user.

In one possible embodiment, the asset pool mortgage module is further configured to, prior to responding to the first user triggered asset pool mortgage instruction:

In one possible embodiment, the apparatus further comprises:

and the asset pooling module is used for responding to the pooling instruction of the target asset triggered by the first user, and adding the target asset into the asset pool if the asset pool exists under the digital wallet of the first user.

In one possible embodiment, the apparatus further comprises:

and the asset pool Jie Ya module is used for responding to a de-allocation instruction of the asset pool triggered by the first user, and if the first financing amount is smaller than or equal to a set financing threshold, the asset pool under the digital wallet of the second user on a blockchain is moved to be under the digital wallet of the first user.

In one possible embodiment, after moving the pool of assets under the second user's digital wallet on a blockchain under the first user's digital wallet, the pool of assets escrow module is further to:

In one possible embodiment, after said moving said target asset in said pool of assets under said second user's digital wallet to a pool of non-assets under said first user's digital wallet, said asset escrow module is further configured to:

In a possible embodiment, the determining module is configured to:

In a possible embodiment, the determining module is further configured to:

In a possible embodiment, the determining module is configured to:

In a third aspect, the present application provides an electronic device comprising:

a memory for storing program instructions;

and a processor for invoking program instructions stored in the memory and executing the steps comprised in the asset management method according to any of the first aspects in accordance with the obtained program instructions.

In a fourth aspect, the present application provides a computer readable storage medium storing a computer program comprising program instructions which, when executed by a computer, cause the computer to perform the asset management method of any of the first aspects.

In a fifth aspect, the present application provides a computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the asset management method of any of the first aspects.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings that are needed in the description of the embodiments will be briefly described below, it will be apparent that the drawings in the following description are only some embodiments of the present disclosure, and that other drawings may be obtained according to these drawings without inventive effort to a person of ordinary skill in the art.

FIG. 1 is a schematic illustration of an application scenario shown according to an exemplary embodiment;

FIG. 2 is a flowchart illustrating a method of asset management according to an example embodiment;

FIG. 3 is a detailed flow chart of an asset management method according to an exemplary embodiment;

FIG. 4 is a schematic diagram of an asset pool shown according to an example embodiment;

FIG. 5 is a schematic diagram of asset details shown according to an example embodiment;

FIG. 6 is a schematic diagram of financing details shown according to an exemplary embodiment;

FIG. 7 is a schematic diagram illustrating an interface for asset pooling without an asset pool, according to an example embodiment;

FIG. 8 is a schematic diagram illustrating an interface after completion of pooling of assets without an asset pool, according to an example embodiment;

FIG. 9 is a diagram illustrating an interface for asset pooling in the presence of an asset pool, according to an example embodiment;

FIG. 10 is a schematic diagram illustrating an interface after completion of pooling of assets in the presence of a pool of assets, according to an example embodiment;

FIG. 11 is a schematic diagram of an interface for an asset pool mortgage, according to an exemplary embodiment;

FIG. 12 is a flowchart illustrating a method of asset financing according to an exemplary embodiment;

FIG. 13 is a schematic diagram illustrating an interface after asset pool quality escort, according to an example embodiment;

FIG. 14 is an interface schematic diagram of a digital wallet of a second user, shown in accordance with an exemplary embodiment;

FIG. 15 is an interface diagram illustrating a target asset solution according to an example embodiment;

FIG. 16 is a diagram illustrating an interface after de-escorting of a target asset according to an exemplary embodiment;

FIG. 17 is an interface diagram illustrating target asset deletion according to an example embodiment;

FIG. 18 is a diagram illustrating a post-deletion interface of a target asset, according to an example embodiment;

FIG. 19 is a schematic diagram of an asset management device according to an example embodiment;

FIG. 20 is a schematic diagram of an electronic device illustrating a method of asset management according to an example embodiment;

FIG. 21 is a program product diagram illustrating a method of asset management according to an example embodiment.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application. Embodiments of the application and features of the embodiments may be combined with one another arbitrarily without conflict. Also, while a logical order of illustration is depicted in the flowchart, in some cases the steps shown or described may be performed in a different order than presented.

The terms first and second in the description and claims of the application and in the above-mentioned figures are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the term "include" and any variations thereof is intended to cover non-exclusive protection. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus. The term "plurality" in the present application may mean at least two, for example, two, three or more, and embodiments of the present application are not limited.

In the technical scheme of the application, the data is collected, transmitted, used and the like, and all meet the requirements of national relevant laws and regulations.

Before describing the asset management method provided by the embodiment of the present application, for convenience of understanding, the following detailed description will be given to the technical background of the embodiment of the present application.

In the prior art, a user can use an electronic bill to perform asset mortgage on a financial institution platform, but when the user wants to mortgage a certain asset in the asset mortgage process, the user needs to return all arless money to the financial institution platform to mortgage the asset. Therefore, the prior art cannot meet the requirement of users for flexibly de-pressing all the assets in the process of mortgage, thereby causing the problem of lower user satisfaction.

Therefore, in order to solve the above-mentioned problems, the present disclosure provides an asset management method, device, equipment and medium, which are used for meeting the requirement of users for flexibly betting each asset in the process of mortgage, and improving the satisfaction of users.

Reference is first made to fig. 1, which is a schematic view of an application scenario of an embodiment of the present disclosure. The first user 10 logs in the server 12 through a client installed in the user device 11, and performs various operations through a client in the user device 11, so as to send corresponding instructions to the server 12, where the client may be a browser of a web page, or may be an application client installed in a mobile user device, such as a mobile phone, a tablet computer, or the like. The server 12 performs corresponding processing operations according to various instructions sent by the user equipment 11.

The user equipment 11 and the server 12 are communicatively connected via a network, which may be a local area network, a wide area network, or the like. The user device 11 may be a portable device (e.g. a mobile phone, a tablet, a notebook, etc.), a personal computer (PC, personal Computer), and the server 12 may be any device capable of providing internet services.

One possible form of communication between the user device 11 and the server 12 is that the first user 10 sends a mortgage instruction of an asset pool to the server 12 through a client in the user device 11, and the server 12 responds to the mortgage instruction of the asset pool triggered by the first user 11 and moves the asset pool under the digital wallet of the first user on the blockchain to the digital wallet of the second user according to a preset intelligent contract, wherein the asset pool comprises at least one asset; and determining a first financing amount according to the first application amount in the mortgage instruction and the total amount of the assets in the asset pool, and adding the first financing funds corresponding to the first financing amount into a non-asset pool under the digital wallet of the first user. The first user 10 sends a target asset's de-allocation instruction to the server 12 through a client in the user equipment 11, and the server 12 responds to the first user's triggered target asset's de-allocation instruction, and if the difference between the total amount of assets in the asset pool and the target asset is greater than or equal to the first financing amount, the target asset in the asset pool under the second user's digital wallet is moved to a non-asset pool under the first user's digital wallet.

In some embodiments, an asset management method provided by the present disclosure is described below by way of specific embodiments, as shown in fig. 2, including:

step 201, in response to a mortgage instruction of an asset pool triggered by a first user, moving the asset pool under the digital wallet of the first user on a blockchain to the digital wallet of a second user according to a preset intelligent contract;

the first user is a sponsor, i.e. applies for corresponding funds to the second user under the frame of contract and agreement, and the second user is a sponsor, which may be a financial institution, such as a bank. The second user's digital wallet may include a pool of assets for a plurality of users.

The asset pool is a collection of assets with effective value, and comprises assets such as electronic warehouse slips, bill of lading, goods and the like. An existing pool of assets is typically a pool of assets that is used in an asset portfolio, which is a group of assets.

The block chain is an information system which participates in consensus through distributed nodes and achieves data non-falsification and front-back traceability through a chain data structure. A chain multi-redundancy data structure is formed through a distributed and consensus algorithm, the data on the chain cannot be unilaterally modified, and any variable block chain participation node can be known. The consensus algorithm is a final unified decision algorithm formed by different participants through a certain mechanism, and is generally used for the block chain to achieve the final consistency of data.

The intelligent union is about the codes with business logic that are commonly known to the participants on the blockchain for operating the assets on the blockchain.

The pool of assets includes at least one asset, the asset including some or all of electronic assets, real estate, and funds. The electronic assets comprise assets such as electronic warehouse bill, electronic bill of lading and the like, the real property comprises physical assets such as goods and the like, and the fund comprises assets such as deposit, cash and the like. The electronic bill is an effective electronic certificate of bulk commodity business, and is used for contract establishment, goods right confirmation and goods delivery. Electronic bill of lading is the basis for carriers and shippers to handle rights and obligations in transit.

Step 202, determining a first financing amount according to a first application amount in the mortgage instruction and the total amount of assets in the asset pool, and adding a first financing fund corresponding to the first financing amount to a non-asset pool under a digital wallet of the first user;

the first application limit is a fund limit applied by the first user to the second user, the total amount of the assets in the asset pool is the sum of the values of all the assets in the asset pool, and the first financing limit is a fund limit provided by the second user to the second user.

And step 203, responding to a de-extrusion instruction of the target asset triggered by the first user, and if the difference between the total amount of the assets in the asset pool and the target asset is greater than or equal to the first financing amount, moving the target asset in the asset pool under the digital wallet of the second user to a non-asset pool under the digital wallet of the first user.

If the first user needs to extract the target asset, not needing to return all arrears, nor needing to deposit the whole asset pool, and under the condition that the difference between the total amount of the assets in the asset pool and the target asset is greater than or equal to the first financing amount, the method and the device can move the target asset in the asset pool under the digital wallet of the second user to the non-asset pool under the digital wallet of the first user.

The asset management method provided above will be described in detail as shown in fig. 3, including:

step 301, responding to a pooling instruction of the target asset triggered by the first user;

step 302, judging whether an asset pool does not exist under the digital wallet of the first user, if yes, executing step 303, otherwise, executing step 304;

step 303, creating an asset pool under the digital wallet of the first user on the blockchain;

the following describes the specific content included in the asset pool:

FIG. 4 is a schematic diagram of an asset pool shown in accordance with an exemplary embodiment, as shown in FIG. 4, the asset pool including an asset pool number (poolId), asset details (assetDetail), financing details (financing Detail), and asset pool status (poolStatus). Wherein the asset pool state includes a 01-in-effect state and a 02-out-of-effect state. Asset pool information is recorded on the blockchain, and the asset pool number is the unique identification of the querying asset pool.

FIG. 5 is a schematic diagram of asset details including an asset number (assaild), an asset type (assytype), and an asset status (assstatus) shown in FIG. 5, according to an example embodiment. The asset types (assetType) comprise 01-electronic bill of lading, 02-electronic bill of lading, 03-goods, 04-deposit and other asset types, and the asset states (assetstatus) comprise 01-validated, 02-mortgage and 03-decompressed asset states. The asset number is the unique number of the asset on the chain, and the information cannot be tampered. The application realizes the entry of the assets into the pool through the inPool () method and realizes the output pool of the assets through the outPool () method.

Fig. 6 is a schematic diagram of financing details shown according to an example embodiment, as shown in fig. 6, including a financing number (financing id), a financing type (financing type), and a financing status (financing status). Among them, financing types (financing type) include 01-sea Liu Cang financing and 02-other types of financing. The financing states (financing status) include 01-success and 02-rejection states. The application applies for financing through the applying financing interface, and the type of financing needs to be selected. The financing result is fed back by a feedback financing method.

Step 304, adding the target asset to the asset pool;

the application realizes the pooling of the target asset through the inool () method, the target asset can be 01 electronic bill of lading, 02 electronic bill of lading, 03 goods, 04 deposit and other types of assets, one type or a plurality of types of assets are supported to be pooled simultaneously, after the target asset is pooled, the type, the number and the value information of the asset are all registered on a block chain and mapped into a digital asset, and the asset state of the target asset is 01-validated.

When the asset pool does not exist under the digital wallet of the first user, the asset pool is needed to be created first, and then the target asset is put into the pool. For example, FIG. 7 is a schematic diagram illustrating an interface for asset pooling without an asset pool, as shown in FIG. 7, showing assets under user A's digital wallet, specifically including non-asset pools, i.e., electronic assets, under user A's digital wallet, including electronic asset A and electronic asset B, on a display interface of a client, according to an exemplary embodiment. If user A wants to pool electronic asset B as the target asset, user A clicks on "electronic asset B" and clicks on the "pool" button, triggering a pool instruction for the target asset. The server, in response to a user a triggered pooling of the target asset, determines that there is no pool of assets under user a's digital wallet, creates a pool of assets under user a's digital wallet on the blockchain, and adds electronic asset B in the pool of assets. FIG. 8 is a schematic diagram illustrating an interface after completion of pooling of assets without an asset pool, as shown in FIG. 8, showing assets under user A's digital wallet, specifically, user A's digital wallet comprising a non-asset pool and an asset pool, wherein the non-asset pool comprises electronic assets, the electronic assets comprise electronic asset A, and the asset pool comprises electronic asset B, on a display interface of a client, according to an exemplary embodiment.

When the asset pool exists under the digital wallet of the first user, the application needs to directly pool the target asset. For example, fig. 9 is a schematic diagram illustrating an interface for asset pooling in the presence of an asset pool, as shown in fig. 9, showing each asset under user a's digital wallet on a display interface of a client, specifically, user a's digital wallet comprising a non-asset pool and an asset pool, the non-asset pool comprising electronic assets and real estate, the electronic assets comprising electronic assets a and B, the real estate comprising real estate a, and the asset pool comprising electronic assets C, according to an exemplary embodiment. If user A wants to pool electronic asset A as the target asset, user A clicks on "electronic asset A" and clicks on the "pool" button, triggering a pool instruction for the target asset. The server responds to a pooling instruction of the target asset triggered by the user A, determines that an asset pool exists under the digital wallet of the user A, and adds the electronic asset A in the asset pool. FIG. 10 is a schematic diagram illustrating an interface after completion of pooling of assets in the presence of an asset pool, as shown in FIG. 10, showing on a display interface of a client the assets under user A's digital wallet, specifically, user A's digital wallet including a non-asset pool including electronic assets and real estate, and an asset pool including electronic assets B, real estate including real estate A, and an asset pool including electronic assets A and electronic assets C, according to an exemplary embodiment.

Step 305, in response to a mortgage instruction of an asset pool triggered by a first user, moving the asset pool under the digital wallet of the first user on a blockchain to the digital wallet of a second user according to a preset intelligent contract;

after the pool of assets under the first user's digital wallet on the blockchain is moved under the second user's digital wallet, the asset status of each asset in the pool of assets is 02-already mortgage. The present application supports displaying a pool of assets that have been mortgage, and various assets that the pool of assets includes, on a display interface of a client of a first user.

For example, FIG. 11 is a schematic diagram of an interface for an asset pool mortgage, as shown in FIG. 11, showing on a display interface of a client a respective asset under a user A's digital wallet, specifically, a non-asset pool and an asset pool under the user A's digital wallet, the non-asset pool including electronic assets, the electronic assets including electronic asset A and electronic asset B, the asset pool including electronic asset C, according to an exemplary embodiment. If user A wants to mortgage the asset pool, user A triggers the mortgage instruction of the asset pool by clicking on "asset pool" and clicking on the "mortgage" button, thereby effecting the mortgage of the asset pool.

Step 306, determining a first financing amount according to the first application amount in the mortgage instruction and the total amount of the assets in the asset pool;

in the step 306, a first financing amount is determined according to the first application amount in the mortgage instruction and the total amount of the assets in the asset pool, including the following two cases:

and in the first case, if the first application credit is smaller than or equal to the total amount of the assets in the asset pool, taking the first application credit as the first financing credit.

For example, if the sum of the assets of the asset pool of the user a is 6 ten thousand yuan, the financing amount determined by the finance party is 5 ten thousand yuan.

And in the second case, if the first application credit is greater than the total amount of the assets in the asset pool, taking the total amount of the assets in the asset pool as the first financing credit.

For example, if the sum of the assets in the asset pool of the user a is 5 ten thousand yuan, the financing amount determined by the finance party is 5 ten thousand yuan.

Assets in the pool under the digital wallet of the first user after accounting for the total amount of assets in the pool according to the second user, the first user may apply for a certain financing funds under the frame of the contract and agreement. When the first financing funds are less than the total amount of assets in the asset pool, the first user-triggerable asset financing instructions perform asset financing, allowing only one in-transit asset financing service at a time, and FIG. 12 is a flow chart of an asset financing method according to an exemplary embodiment, as shown in FIG. 12, comprising:

Step 121, responding to an asset financing instruction triggered by the first user, and determining a second financing amount according to a difference value between the total amount of assets in the asset pool and the first financing fund and a second application amount in the asset financing instruction;

wherein, in the step 121, determining a second financing amount according to a difference between the total amount of the assets in the asset pool and the first financing fund and a second application amount in the asset financing instruction includes:

for example, the user a applies for a 2 ten thousand yuan loan to the finance party for the first time, and if the total amount of the assets in the asset pool of the user a is 5 ten thousand yuan, the first financing amount determined by the finance party is 2 ten thousand yuan, and the 2 ten thousand yuan first financing funds are added to the non-asset pool under the digital wallet of the user a. The user a may apply for a 2.5 ten thousand yuan loan again to the finance party, determine that the difference between the total amount of the property in the property pool and the first financing funds is 3 ten thousand yuan, and determine that the second financing amount is 2.5 ten thousand yuan by the finance party.

For example, the user a applies for a 2 ten thousand yuan loan to the finance party for the first time, and if the total amount of the assets in the asset pool of the user a is 5 ten thousand yuan, the first financing amount determined by the finance party is 2 ten thousand yuan, and the 2 ten thousand yuan first financing funds are added to the non-asset pool under the digital wallet of the user a. The user a may apply for a 4 ten thousand yuan loan again to the finance party, determine that the difference between the total amount of the assets in the asset pool and the first financing funds is 3 ten thousand yuan, and determine that the second financing amount is 3 ten thousand yuan by the finance party.

And step 122, adding the second financing funds corresponding to the second financing amount to a non-asset pool under the digital wallet of the first user.

Step 307, adding the first financing funds corresponding to the first financing amount to a non-asset pool under the digital wallet of the first user;

for example, as shown in FIG. 11, user A is implementing a mortgage of the asset pool upon triggering a mortgage instruction of the asset pool. FIG. 13 is a diagram illustrating an interface after asset pool quality escorting, as shown in FIG. 13, showing on a display interface of a client a respective asset under a digital wallet of user A, specifically, a non-asset pool and a mortgage asset pool under the digital wallet of user A, the non-asset pool including electronic assets and funds, the electronic assets including electronic asset A and electronic asset B, the funds including funds A, and the mortgage asset pool including electronic asset C. Where funds a are the first financing funds, determined by: after the user A escorts the asset pool, a first financing amount is determined according to the total amount of the assets in the asset pool, namely the value of the electronic asset C, and the first application amount in the mortgage instruction, and corresponding first financing funds are determined based on the first financing amount.

After the asset pool quality escort, the application can also carry out the target asset pool entering operation, and specifically comprises the following steps:

and responding to a pooling instruction of the target asset triggered by the first user, and adding the target asset into an asset pool of the first user under a digital wallet of the second user.

Wherein the second user's digital wallet includes a pool of assets for a plurality of users.

For example, fig. 14 is a schematic diagram of an interface of a second user's digital wallet, shown in fig. 14, with a pool of assets including user a and a pool of assets including user B under the second user's digital wallet displayed on the display interface, according to an example embodiment. Wherein, user A's asset pool includes electronic asset A and electronic asset B, user B's asset pool includes electronic asset C, real estate A and fund A.

Step 308, determining a difference value between the total amount of the assets in the asset pool and the target assets in response to the first user-triggered target asset's de-extrusion instruction;

step 309, determining whether the difference is greater than or equal to the first financing amount, if yes, executing step 310, otherwise, executing step 311;

step 310, moving the target assets in the asset pool under the digital wallet of the second user to a non-asset pool under the digital wallet of the first user;

For example, user a applies for a 2 ten thousand yuan loan to a finance party, the total amount of assets in the pool of assets for user a is 5 ten thousand yuan, and the first financing amount determined by the finance party is 2 ten thousand yuan. If the user wants to unbind the asset A, the value of the asset A is 1 ten thousand yuan, the difference between the total amount of the assets in the asset pool and the asset A is 4 ten thousand yuan, the difference is larger than the first financing amount, and the asset A in the asset pool under the digital wallet of the finance party is moved to a non-asset pool under the digital wallet of the user A.

FIG. 15 is a schematic diagram of an interface for target asset escrow, as shown in FIG. 15, showing on a display interface of a client a respective asset under a digital wallet of user A, specifically, a non-asset pool and a mortgage asset pool under the digital wallet of user A, the non-asset pool including electronic assets, real estate and funds, the electronic assets including electronic assets B, the real estate including real estate B, and the funds including funds B, according to an exemplary embodiment. The pool of mortgaged assets includes electronic asset a, real estate a, and funds a. If the user A wants to decompress the real estate A in the mortgage asset pool, the real estate A is taken as a target asset, and the user A triggers a decompression instruction of the target asset by clicking the real estate A and clicking a decompression button to realize the decompression of the target asset. FIG. 16 is a diagram illustrating a post-escorting interface for a target asset, as shown in FIG. 16, showing on a display interface of a client a respective asset under a digital wallet of user A, specifically, a non-asset pool and a mortgage asset pool under the digital wallet of user A, the non-asset pool including electronic assets, real estate and funds, the electronic assets including electronic asset B, the real estate including real estate A and real estate B, and the funds including funds B, according to an exemplary embodiment. The pool of mortgaged assets includes electronic asset a and funds a.

After said moving said target asset in said pool of assets under said second user's digital wallet to a non-pool of assets under said first user's digital wallet, said method further comprises:

The first user may perform a delete operation, i.e., a present operation, on each asset in the non-asset pool under his digital wallet.

For example, FIG. 17 is a schematic diagram of an interface for targeted asset deletion shown in accordance with an exemplary embodiment, as shown in FIG. 17, showing on a display interface of a client a respective asset under user A's digital wallet, specifically, user A's digital wallet comprising a non-asset pool comprising electronic assets, electronic assets A and electronic assets B, and a mortgage asset pool. The pool of mortgaged assets includes real estate a and funds a. If the user A wants to delete the electronic asset A, the electronic asset A is taken as a target asset, and the user A triggers a deletion instruction of the target asset by clicking the electronic asset A and clicking the presenting button to realize the deletion of the target asset. FIG. 18 is a diagram of an interface after deletion of a target asset, as shown in FIG. 18, showing on a display interface of a client a respective asset under a user A's digital wallet, specifically, a user A's digital wallet comprising a non-asset pool comprising electronic assets and a mortgage asset pool comprising real estate A and funds A, the non-asset pool comprising electronic assets, the electronic assets comprising electronic assets B, and the mortgage asset pool comprising real estate A and funds A, according to an exemplary embodiment.

Step 311, reminding the first user that the target asset in the asset pool cannot be escorted.

For example, user a applies for a 2 ten thousand yuan loan to a finance party, the total amount of assets in the pool of assets for user a is 2 ten thousand yuan, and the first financing amount determined by the finance party is 2 ten thousand yuan. If the user wants to escrow the asset B, the value of the asset B is 1 ten thousand yuan, the difference between the total amount of the assets in the asset pool and the asset B is 1 ten thousand yuan, the difference is smaller than the first financing amount, and the user A is reminded that the asset B in the asset pool cannot be escorted.

In the application, after the first user mortises the asset pool, if the first user needs to extract the target asset in the mortised asset pool, the first user does not need to return all the arless money, and does not need to deposit the whole asset pool, and the difference between the total amount of the assets in the asset pool and the target asset is greater than or equal to the first financing amount by returning part of the arless money or depositing new assets in the pool, so that the target asset in the asset pool under the digital wallet of the second user is transferred to the non-asset pool under the digital wallet of the first user.

Specifically, the application can restore partial arrears, thereby enabling the target property to be escorted, for example, the user A applies 2 ten thousand yuan to the finance party, the total amount of the property pool of the user A is 2 ten thousand yuan, and the first financing amount determined by the finance party is 2 ten thousand yuan. If the user returns 1 ten thousand yuan to the finance party, the current first financing amount is 1 ten thousand yuan, when the user wants to deposit the asset C, the value of the asset C is 1 ten thousand yuan, the difference between the total amount of the assets in the asset pool and the asset A is 1 ten thousand yuan, the difference is equal to the current first financing amount, and the asset C in the asset pool under the digital wallet of the finance party is moved to a non-asset pool under the digital wallet of the user A.

The application can enable the target property to be escorted through the new property in the pool, for example, the user A applies 2 ten thousand yuan loan to the finance party, the total amount of the property in the property pool of the user A is 2 ten thousand yuan, and the first financing amount determined by the finance party is 2 ten thousand yuan. If the user performs the pooling operation on the asset D, the value of the asset D is 1 ten thousand yuan, the current first financing amount is 1 ten thousand yuan, when the user wants to unbind the asset E, the value of the asset E is 1 ten thousand yuan, the difference between the total amount of the assets in the asset pool and the asset E is 2 ten thousand yuan, the difference is equal to the first financing amount, and the asset E in the asset pool under the digital wallet of the finance party is moved to a non-asset pool under the digital wallet of the user A.

Optionally, after the asset pool quality escort, the method further comprises the steps of:

The set financing threshold may be 0, and the first financing amount being less than or equal to the set financing threshold indicates that there is no liability relationship between the first user and the second user.

Optionally, after moving the pool of assets under the second user's digital wallet on a blockchain to under the first user's digital wallet, the method further comprises:

Based on the same inventive concept, an embodiment of the present application provides an asset management device, please refer to fig. 19, which includes:

an asset pool mortgage module 191, configured to, in response to a mortgage instruction of an asset pool triggered by a first user, move an asset pool under a digital wallet of the first user on a blockchain to a digital wallet of a second user according to a preset smart contract, where the asset pool includes at least one asset;

a determining module 192, configured to determine a first financing amount according to a first application amount in the mortgage instruction and an asset total amount of the asset pool, and add a first financing fund corresponding to the first financing amount to a non-asset pool under a digital wallet of the first user;

and an asset escrow module 193, configured to respond to a escrow instruction of a target asset triggered by the first user, and if a difference between an asset total amount of the asset pool and the target asset is greater than or equal to the first financing amount, store the target asset in the asset pool under the digital wallet of the second user in a non-asset pool under the digital wallet of the first user.

As an alternative embodiment, the asset pool mortgage module 191 is further configured to, prior to responding to the first user triggered asset pool mortgage instruction:

As an alternative embodiment, the apparatus further comprises:

As an alternative embodiment, after the asset pool under the second user's digital wallet on the blockchain is moved under the first user's digital wallet, the asset pool escrow module is further configured to:

As an alternative embodiment, after said transferring said target asset in said pool of assets under said second user's digital wallet to a non-pool of assets under said first user's digital wallet, said asset escrow module 193 is further configured to:

As an alternative embodiment, the determining module 192 is configured to:

As an alternative embodiment, the determining module 192 is further configured to:

As an alternative embodiment, the determining module 192 is configured to:

As an alternative embodiment, the assets include some or all of electronic assets, real estate, and funds.

Based on the same inventive concept, an embodiment of the present application provides an electronic device, which may implement the asset management function discussed above, referring to fig. 20, the device includes a processor 21 and a memory 22, where the memory 22 is used to store program instructions;

The processor 21 invokes the program instructions stored in the memory by running the program instructions to implement the steps of:

As an alternative embodiment, the processor 21 is further configured to, prior to responding to the first user-triggered asset pool mortgage instruction, perform:

As an alternative embodiment, the processor 21 is further configured to perform:

As an alternative embodiment, after the pool of assets under the second user's digital wallet on the blockchain is moved under the first user's digital wallet, the processor 21 is further configured to perform:

As an alternative embodiment, after said transferring said target asset in said pool of assets under said second user's digital wallet to a pool of non-assets under said first user's digital wallet, said processor 21 is further configured to perform:

As an optional implementation manner, the determining the first financing amount according to the first application amount in the asset pool mortgage instruction and the asset total amount of the asset pool includes:

As an optional implementation manner, the determining a second financing amount according to a difference between the total amount of the assets in the asset pool and the first financing fund and a second application amount in the asset financing instruction includes:

Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium, the computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the asset management method as any of the preceding discussion. Since the principle of solving the problem by the above-mentioned computer readable storage medium is similar to that of the asset management method, the implementation of the above-mentioned computer readable storage medium may refer to the implementation of the method, and the repetition is omitted.

Based on the same inventive concept, an embodiment of the present application also provides a computer program product, as shown in fig. 21, the computer program product 210 comprising: computer program code which, when run on a computer, causes the computer to perform the asset management method as any of the preceding discussion. Since the principle of solving the problem by the computer program product is similar to that of the asset management method, the implementation of the computer program product may refer to the implementation of the method, and the repetition is omitted.

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

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of user operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various modifications and variations can be made to the present application without departing from the spirit or scope of the application. Thus, it is intended that the present application also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims

1. A method of asset management, the method comprising:

2. The method of claim 1, wherein prior to responding to the first user-triggered asset pool mortgage instruction, the method further comprises:

3. The method of claim 1, wherein the method further comprises:

4. The method of claim 1, wherein the method further comprises:

5. The method of claim 4, wherein after moving the pool of assets under the second user's digital wallet on a blockchain to under the first user's digital wallet, the method further comprises:

6. The method of claim 1, wherein after said moving said target asset in said pool of assets under said second user's digital wallet to a pool of non-assets under said first user's digital wallet, said method further comprises:

7. The method of claim 1, wherein the determining a first financing amount based on a first application amount in the asset pool mortgage instruction and a total amount of assets of the asset pool comprises:

8. The method of claim 7, wherein the method further comprises:

9. The method of claim 8, wherein determining a second financing amount based on a difference between the total amount of assets in the pool of assets and the first financing funds and a second application amount in the asset financing instructions comprises:

10. The method of any of claims 1-9, wherein the assets include part or all of electronic assets, real estate, and funds.

11. An asset management device, the device comprising:

12. The apparatus of claim 11, wherein the asset pool mortgage module is further to, prior to responding to the first user triggered asset pool mortgage instruction:

13. The apparatus of claim 11, wherein the apparatus further comprises:

14. The apparatus of claim 11, wherein the apparatus further comprises:

15. The apparatus of claim 14, wherein after moving the pool of assets under the second user's digital wallet on a blockchain to under the first user's digital wallet, the pool of assets escrow module is further to:

16. The apparatus of claim 11, wherein the asset escrow module is further to, after the transferring the target asset in the pool of assets under the digital wallet of the second user to a pool of non-assets under the digital wallet of the first user:

17. The apparatus of claim 11, wherein the determination module is to:

18. The apparatus of claim 17, wherein the determination module is further to:

19. The apparatus of claim 18, wherein the determination module is to:

20. The apparatus of any of claims 11-19, wherein the assets comprise part or all of electronic assets, real estate, and funds.

21. An electronic device, comprising:

a memory for storing program instructions;

a processor for invoking program instructions stored in the memory and for performing the steps comprised in the method according to any of claims 1-10 in accordance with the obtained program instructions.

22. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program comprising program instructions which, when executed by a computer, cause the computer to perform the method of any of claims 1-10.

23. A computer program product, the computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the method of any of the preceding claims 1-10.