TW202141396A - Multi-party loan consumption system based on blockchain and smart contract and method thereof - Google Patents

Abstract

A multi-party loan consumption system based on blockchain and smart contract and method thereof is disclosed. By providing a buyer host, lending host, seller host, and intermediary host on a blockchain network, wherein the buyer host and the seller host are in a delivery relationship, the buyer host and the lending host are in a loan relationship, and the lending-end host and the seller host are in a payment relationship. When the buyer host makes loan consumption, using at least one smart contract to escrow a plurality of digital currencies and tokens, and the lending host pays the seller host after detecting that the seller host delivers assets to the buyer host, and allows the intermediary host to arbitrate transactions. The mechanism is help to improve the transparency and authenticity of borrowing purpose.

Description

Multi-party loan and consumption system and method based on block chain and smart contract

The present invention relates to a system and method for loan consumption, in particular to a multi-party loan consumption system and method based on blockchain and smart contracts.

In recent years, with the popularity and vigorous development of the Internet, various online lending platforms have sprung up. However, how to ensure that loans can be used for special purposes has always been one of the problems that manufacturers urgently want to solve.

Generally speaking, traditional online lending refers to the direct lending between individuals and individuals through online lending platforms. Compared with traditional financial institutions, it can greatly save labor and management costs, so it can attract users with low processing fees. . However, it is difficult for traditional online lending platforms to track or confirm the flow of loan funds, so it is impossible to effectively avoid the inconsistency of the borrowing use with the actual use. For example, the loan is used to purchase a computer, but the applicant actually obtains the funds Later, they embezzled the funds for other purposes, such as buying luxury goods, traveling, etc., or even providing borrowed funds for others to use. Therefore, when there is no guarantee that the loan usage matches the actual usage, for the lender, the transparency and authenticity of the loan usage are not good, which may not only affect the financial order, but also have many uncertain risks.

In view of this, some manufacturers have proposed real-time credit investigation technical methods, which actively detect the flow of funds in the account and the source of repayment to determine whether there is an abnormality after the loan is allocated. However, this method requires the authorization of the loan applicant in order to obtain the correct account information, and only judging based on the flow of funds and the source of repayment still cannot effectively guarantee that the loan use matches the actual use, so it still cannot effectively solve the transparency and truthfulness of the loan use The problem of poor sex.

In summary, it can be seen that the prior art has long been problematic in the transparency and authenticity of lending purposes. Therefore, it is necessary to propose improved technical means to solve this problem.

The present invention discloses a multi-party loan and consumption system and method based on block chain and smart contract.

First of all, the present invention discloses a multi-party lending and consumption system based on blockchain and smart contracts, which is applied to a blockchain network composed of multiple node hosts. This system includes: a buyer-side host, a lending-side host, and a seller-side host And the intermediary end host. Among them, the buyer-side host is one of the node hosts, and the buyer-side host is used to allow the credit certificate to be sent to the smart contract for custody after the smart contract containing the loan information is successfully published on the blockchain network; The end host is one of the node hosts, and the intermediary end host is used to directly trigger the execution of the delivery function and return function of the smart contract; the seller end host is one of the node hosts, and the seller end host succeeds in the smart contract After the issuance, the asset certificate is transferred to the smart contract for custody; and the lending host serves as one of the node hosts. After the smart contract is successfully released, the lending host sends the digital currency or payment pass to the smart contract. Contract for custody; among them, when asset tokens and digital currency or payment tokens have been hosted in a smart contract, one of the buyer’s host, lender’s host, seller’s host, and intermediary host is allowed to trigger the execution of the smart contract The delivery function of the smart contract enables the smart contract to transfer the asset certificate to the buyer's host, transfer the digital currency or payment certificate to the seller's host, and record in the loan message as the loan has been executed, or there are escrow credits in the smart contract When passing the certificate, transfer the credit certificate to the lending host. When the delivery function is completed, the buyer host calculates the repayment amount based on the loan information and the credit certificate held by the lending host or both. In order to repay the loan to the host on the lending side.

Next, the present invention also discloses a multi-party lending and consumption system based on blockchain and smart contracts, which is applied to a blockchain network composed of multiple node hosts. This system includes: a buyer's host, a lender's host, and a seller's end. Host and intermediary end host. Among them, the buyer-side host is one of the node hosts, and the buyer-side host is used to allow the first hash value to be set in the lending relationship smart contract after the lending relationship smart contract is published on the blockchain network, where the first hash The value is generated by the hash calculation of the first unlocking cipher; the lending host is one of the node hosts, and the lending host is used to allow the payment relationship after the payment relationship smart contract is published on the blockchain network The smart contract sets the first hash value, and sends the digital currency or payment token to the payment relationship smart contract for escrow; the seller-side host is one of the node hosts, and the seller-side host is used to publish the smart contract in the delivery relationship After the blockchain network, the first hash value is allowed to be set in the delivery relationship smart contract, and the asset token is sent to the delivery relationship smart contract for custody; and the intermediary end host serves as one of the node hosts, the intermediary end host It is used to set a second hash value in a smart contract for a lending relationship, a smart contract for a payment relationship, or a smart contract for a delivery relationship for which the first hash value has been set, and the second hash value is generated by the hash calculation of the second unlocking password; where, Among the host at the buyer's end, the host at the lender's end, and the host at the seller's end, if the first hash value is not set first, the first hash value and the second hash value are set so that the first hash value and the second hash value have not been set In the smart contract of the lending relationship, the smart contract of the payment relationship, or the smart contract of the delivery relationship, when setting, the smart contract of the lending relationship allows the escrow of the debt certificate from the buyer's side host, and the delivery relationship smart contract also escrows the assets from the seller's host Token, the payment relationship smart contract also hosts the digital currency or payment token from the lending-side host; among them, when the transaction is determined to be executed, the buyer-side host, seller-side host or lending-side host that sets the first hash value earliest Send the first unlocking password to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract, or the intermediary host sends the second unlocking password to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract to make the delivery When a relationship smart contract, a lending relationship smart contract, or a payment relationship smart contract receives the first unlocking password that matches the first hash value or the second unlocking password that matches the second hash value, the asset certificate, debt certificate, and The digital currency or payment pass is transmitted to the buyer’s host, lender’s host or seller’s host, and the received first unlocking secret or second unlocking cipher is disclosed; among them, on the buyer’s host, lender’s host and seller’s end In the host, the two that are not the first to set the first hash value are allowed to send the detected first unlocking password or second unlocking password to the unidentified Publish the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract of the first unlocking password or the second unlocking password, so that it receives the first unlocking password matching the first hash value or the second unlocking password matching the second hash value. When unlocking the passphrase, transfer the managed asset certificate, debt certificate, digital currency or payment certificate to the buyer’s host and borrow The originating host or the seller's host, and when the detected first unlocking passphrase or second unlocking passphrase is transmitted to the lending relationship smart contract, it is allowed to record the lending status of the lending relationship smart contract as the loan executed.

In addition, the present invention discloses a multi-party lending and consumption method based on blockchain and smart contracts, which is applied to a blockchain network composed of multiple node hosts. The steps include: providing a buyer-side host as one of the node hosts. , Lending-side host, seller-side host and intermediary-side host, among which the intermediary-side host allows to directly trigger the delivery function and return function of the execution of the smart contract; after the smart contract containing the loan information is successfully published on the blockchain network , The buyer’s host sends the creditor’s rights certificate to the smart contract for custody, the seller’s host sends the asset certificate to the smart contract for custody, and the lender host sends the digital currency or payment certificate to the smart contract for custody ; When debt certificates and asset certificates, as well as digital currencies or payment certificates have been hosted in a smart contract, allow one of the buyer’s host, lender’s host, seller’s host, and intermediary host to trigger the execution of the smart contract The delivery function enables the smart contract to transfer the asset certificate to the buyer's host, digital currency or payment certificate to the seller's host, and transfer the debt certificate to the lender's host; and after the execution of the delivery function ends , The buyer’s host computer calculates the repayment amount based on the loan information and the credit card held by the lender host to repay the loan to the lender host.

In addition, the present invention also discloses a multi-party loan and consumption method based on blockchain and smart contracts, which is applied to a blockchain network composed of multiple node hosts. The steps include: providing a buyer-side host, a lending-side host, and a seller The host and the intermediary host respectively serve as one of the node hosts; the buyer host or the seller host publishes the delivery relationship smart contract on the blockchain network, and the buyer host or the lender host issues loans on the blockchain network The relationship smart contract, the lending-side host or the seller-side host publishes the payment relationship smart contract on the blockchain network; after the delivery relationship smart contract, the lending relationship smart contract, and the payment relationship smart contract are successfully released, the buyer-side host Set the first hash value in the lending relationship smart contract, or the lending host set the first hash value in the payment relationship smart contract, or the seller host set the first hash value in the delivery relationship smart contract, where the first The hash value is generated by the hash calculation of the first unlocking passphrase; the intermediary host sets the second hash value in the lending relationship smart contract, payment relationship smart contract, or delivery relationship smart contract that has set the first hash value. The hash value is generated by the hash calculation of the second unlocking passphrase; among the buyer-side host, lender-side host, and seller-side host, the first hash value is not the earliest set of the first hash value, and the first hash value and the second hash value are combined The value is set in the lending relationship smart contract, payment relationship smart contract, or delivery relationship smart contract for which the first hash value and the second hash value have not been set. Among them, when setting, the lending relationship smart contract allows hosting from the buyer's host Debt tokens, the delivery relationship smart contract also hosts the asset tokens from the seller's host, and the payment relationship smart contract also hosts the digital currency or payment tokens from the lending host; when determining the execution of the transaction, the first hash is set at the earliest The valued buyer’s host, seller’s host, or lender host sends the first unlocking secret to the delivery relationship smart contract, lending relationship smart contract or payment relationship smart contract, or the intermediary host sends the second unlocking secret to the delivery relationship smart contract Contract, lending relationship smart contract, or payment relationship smart contract, so that the delivery relationship smart contract, lending relationship smart contract, or payment relationship smart contract receives the first unlocking cipher that matches the first hash value or the second unlocking that matches the second hash value During the passphrase, transfer the managed asset pass, debt pass, digital currency or payment pass to the buyer's host, lender's host or seller's host, and publicly receive the first unlocking passphrase or the second unlocking passphrase; Among the host at the buyer's end, the host at the lending end, and the host at the seller's end, if the first hash value is not set first, when the first or second unlocking passphrase is detected, the detected The first unlocking passphrase or the second unlocking passphrase is sent to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract that has not disclosed the first unlocking password or the second unlocking password, so that it will receive the first or second unlocking password that matches the first hash value. When the first unlocking passphrase or the second unlocking passphrase matching the second hash value, the asset pass, debt pass, digital currency or payment under custody The payment pass is sent to the buyer's host, the lender's host or the seller's host, and when the detected first unlocking passphrase or second unlocking passphrase is sent to the lending relationship smart contract, the lending status of the lending relationship smart contract is allowed It is recorded that the loan has been executed.

The system and method disclosed in the present invention are as above. The difference from the prior art is that the present invention provides the buyer-side host, lending-side host, seller-side host, and intermediary-side host on the blockchain network, wherein the buyer-side host and the seller The host at the end is a delivery relationship, the host at the buyer’s end and the host at the lending end are in a lending relationship, and the host at the lending end is in a payment relationship with the seller’s host. Then when the buyer’s host performs loan and consumption, the smart contract is used to host the digital currency and tokens. And after detecting that the seller-side host has delivered the assets to the buyer-side host, the lending-side host will then make payment to the seller-side host, and allow the intermediary-side host to arbitrate the transaction.

Through the above-mentioned technical means, the present invention can achieve the technical effect of improving the transparency and authenticity of lending applications.

The following describes the implementation of the present invention in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how the present invention uses technical means to solve technical problems and achieve technical effects.

Before describing the multi-party lending and consumption system and method based on the blockchain and smart contract disclosed in the present invention, the self-defined terminology of the present invention will be explained. "," "Delivery Relationship Smart Contract" and "Payment Relationship Smart Contract" all refer to the smart contract (Deploy) on the blockchain network (Smart Contract). In fact, the smart contract refers to a computer program that drives the execution of instructions based on established conditions and transmitted information. Specifically, the smart contract uses programming languages such as Solidity, Serpent, LLL, EtherScript, Sidechain, etc. It can include various functions, events, parameter states, etc. Take the environment of "Ethereum" as an example, the smart contract is compiled to get binary code and apply binary Interface (Application Binary Interface, ABI) to broadcast the smart contract to the blockchain network, waiting for the miner or validator to put the smart contract on the blockchain and get the corresponding address (or contract Address), so far, the release of the smart contract is completed through the blockchain transaction. After that, each node host can execute the corresponding smart contract according to this address, and use different commands to change the state of the smart contract on the blockchain and whether the detection event is triggered. In addition, the "debt pass", "payment pass" and "asset pass", etc., all refer to the "Token" (Token) running on the blockchain network. In actual implementation, these tokens can be realized through various standards, such as: "ERC20", "ERC721", etc., that is to say, they are built and run on the blockchain with smart contracts and can be transferred through blockchain transactions. Of tokens.

The following diagrams will further illustrate the multi-party lending and consumption system and method of the present invention based on blockchain and smart contracts. Please refer to "Figure 1" first. The system block diagram of the first embodiment of the multi-party lending and consumption system is applied to a blockchain network 100 composed of multiple node hosts. This system includes: a buyer-side host 110, a lending-side host 120, a seller-side host 130, and an intermediary端host 140. Among them, the buyer host 110 is one of the node hosts, and the buyer host 110 is used to allow the credit certificate to be sent to the smart contract after the smart contract containing the loan information is successfully published on the blockchain network 100. Hosting. In actual implementation, the node host may be a computer device with network functions, such as a personal computer, a notebook computer, a server, etc., and they are connected to each other through a peer-to-peer (P2P) method. To form a blockchain network 100. Therefore, the buyer-side host 110 is a computer device located at the buyer (or called the lender), and the buyer establishes a loan relationship with the lender (or called the lender) according to the amount payable for consumption. In addition, the smart contract can be established and published on the blockchain network 100 by any one of the buyer's host 110, the lender's host 120, the seller's host 130, and the intermediary host 140. As for determining whether the smart contract is successfully issued, it can be It is achieved by detecting whether the contract address of its smart contract exists. If it exists, it means that it has been successfully released, otherwise it means it has not been successfully released.

The lending host 120 serves as one of the node hosts. After the smart contract is successfully issued, the lending host 120 transmits the digital currency or payment pass to the smart contract for custody. In fact, the lending end host 120 is a computer device located on the lending side, and can deliver digital currency or tokens to the seller in accordance with the amount of the lending relationship.

The seller-side host 130 serves as one of the node hosts. After the smart contract is successfully issued, the seller-side host 130 transmits the asset certificate to the smart contract for custody. In fact, the seller-side host 130 is a computer device located in the seller, and the seller will deliver the goods/services that should be delivered to the buyer.

The intermediary host 140 serves as one of the node hosts, and the intermediary host 140 is used to directly trigger the execution of the delivery function and the return function of the smart contract. In other words, the intermediary host 140 is a computer device located on the intermediary party, which acts as a supervisory role for arbitration in the event of a transaction dispute. If the arbitration result is "delivery required", it will directly execute the delivery function of the smart contract, and vice versa. , Assuming that the result of the arbitration is "Cancel transaction", the refund function of the smart contract will be executed directly.

As mentioned above, when asset tokens and digital currency or payment tokens have been hosted in the smart contract, one of the buyer’s host 110, the lender host 120, the seller host 130, and the intermediary host 140 is allowed to trigger execution The delivery function of the smart contract enables the smart contract to transfer the asset certificate to the buyer’s host 110, transfer the digital currency or payment certificate to the seller’s host 130, and record in the loan message as the loan has been executed, or in the wisdom When there is a custodial credit card in the contract, the credit card will be transferred to the lending host 120. When the delivery function is completed, the buyer host 110 will use the loan information and the credit card held by the lending host 120 or two Anyone can calculate the repayment amount so as to repay the loan to the lending-end host 120.

Please refer to "Figure 2". "Figure 2" is a flowchart of the first embodiment of the multi-party lending and consumption method based on the blockchain and smart contract of the present invention. It is applied to a blockchain composed of multiple node hosts. The network 100 includes the steps of providing a buyer-side host 110, a lending-side host 120, a seller-side host 130, and an intermediary-side host 140 as one of the node hosts, wherein the intermediary-side host 140 allows the execution of smart contracts to be directly triggered The delivery function and return function (step 210); after the smart contract containing the loan information is successfully published on the blockchain network 100, the buyer-side host 110 is allowed to send the credit certificate to the smart contract for custody and the seller-side The host 130 transmits the asset certificate to the smart contract for custody, and the lending host 120 transmits the digital currency or payment certificate to the smart contract for custody (step 220); when the debt certificate and asset certificate, and digital When currency or payment tokens have been hosted in the smart contract, one of the buyer’s host 110, lender host 120, seller host 130, and intermediary host 140 is allowed to trigger the execution of the delivery function of the smart contract, so that the smart contract will be Asset tokens are transferred to the buyer’s host 110, digital currency or payment tokens are transferred to the seller’s host 130, and the loan is recorded in the loan message as the loan has been executed, or when the smart contract has the custodial debt token, the The debt certificate is transferred to the lending host 120 (step 230); and after the execution of the delivery function, the buyer host 110 calculates the repayment based on the loan information and the debt certificate held by the lending host 120 or either The amount of the loan is to be repaid to the lending-end host 120 (step 240). Through the above steps, the buyer host 110, the lender host 120, the seller host 130 and the intermediary host 140 can be provided on the blockchain network 100. The buyer host 110 and the seller host 130 are in a delivery relationship. The buyer-side host 110 and the lending-side host 120 have a lending relationship, and the lending-side host 120 and the seller-side host 130 have a payment relationship. Then, when the buyer-side host 110 performs loan and consumption, the smart contract is used to host the digital currency and tokens, and After detecting that the seller-side host 130 has delivered the assets to the buyer-side host 110, the lending-side host 120 then makes a payment to the seller-side host 130 and allows the intermediary-side host 140 to arbitrate the transaction.

In addition, after step 240, when the delivery function is not executed within the timeout period, the smart contract triggers the execution of the refund function, or the buyer's host 110, the lender's host 120, the seller's host 130, or the intermediary host 140 Trigger the execution of this refund function to allow the buyer's host 110 to retrieve the escrow token, allow the seller's host 130 to retrieve the custodial asset token, and allow the lender host 120 to retrieve the escrowed digital currency or payment Pass (step 250).

Next, please refer to "Figure 3". "Figure 3" is the system block diagram of the second embodiment of the multi-party lending and consumption system based on blockchain and smart contracts of the present invention, which is applied to a block composed of multiple node hosts The chain network 300 includes a host 310 at the buyer end, a host 320 at the lending end, a host 330 at the seller end, and a host 340 at the intermediary end. The buyer host 310 is one of the node hosts, and the buyer host 310 is used to allow the first hash value to be set in the lending relationship smart contract after the lending relationship smart contract is published on the blockchain network 300, where The first hash value is generated by hash calculation of the first unlocking cipher. For example, assuming that the first unlocking passphrase is "abc", the hashing function (such as MD5, SHA1, SHA256, etc.) can be used to hash the first unlocking passphrase to generate the corresponding first hash value. In actual implementation, the smart contract for the lending relationship needs to record the hash function used, the host address of the lender, the amount to be borrowed and the address of the seller’s host, etc., and the smart contract for the lending relationship can be used by the buyer’s host 310 or borrowing The output host 320 is established and published on the blockchain network 300. In addition, in addition to the buyer-side host 310 that can set the first hash value, the lending-side host 320 and the seller-side host 330 can also set the first hash value. The only difference is that the lending-side host 320 is in the payment relationship smart contract. The first hash value is set in, and the seller-side host 330 sets the first hash value in the delivery relationship smart contract. In particular, when one of the buyer-side host 310, the lending-side host 320, and the seller-side host 330 becomes the first party to set the first hash value in the smart contract, and the intermediary host 340 is also in the same smart contract After setting the second hash value, the other two parties will make the other two smart contracts that have not yet set the first hash value and the second hash value to follow the same settings. In other words, the first hash value and the first hash value of the three smart contracts Both hash values will be the same. A further explanation will be given later by taking the buyer-side host 310, the lending-side host 320, and the seller-side host 330 as the first party to set the first hash value as an example.

The lending host 320 is one of the node hosts. The lending host 320 is used to allow the payment relationship smart contract to set the first hash value after the payment relationship smart contract is published on the blockchain network 300, and the digital The currency or payment pass is sent to the payment relationship smart contract for custody. In actual implementation, the payment relationship smart contract includes the seller's host address and the amount to be paid, and the payment relationship smart contract can be established by the lender host 320 or the seller host 330 and published on the blockchain network 300.

The seller-side host 330 is one of the node hosts. The seller-side host 330 is used to allow the first hash value to be set in the delivery relationship smart contract after the delivery relationship smart contract is published on the blockchain network 300, and to transfer the asset The certificate is sent to the delivery relationship smart contract for custody. In actual implementation, the delivery relationship smart contract can be established and published on the blockchain network 300 by the buyer-side host 310 or the seller-side host 330. Assuming that the delivery relationship smart contract is established and released by the seller-side host 330, This delivery relationship smart contract can include the address of the buyer’s host, the assets to be purchased and the amount payable. On the contrary, assuming that the delivery relationship smart contract is established and issued by the buyer’s host 310, the aforementioned delivery relationship smart contract includes The host address of the buyer side needs to be changed to the host address of the seller side. In other words, if the delivery relationship smart contract is established by the seller, the buyer needs to be specified in it, and if it is established by the buyer, the seller needs to be specified in it.

The intermediary host 340 serves as one of the node hosts. The intermediary host 340 is used to set the second hash value in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract for which the first hash value has been set. The second hash value is generated by the hash calculation of the second unlocking cipher. Assuming that the second unlocking passphrase is "123", then the second unlocking passphrase can be hashed through the hash function to generate the corresponding second hash value, and the smart contract for the loan relationship will also record where the second hash value passes. Generated by a hash function. In actual implementation, the intermediary host 340 can enable the delivery relationship smart contract to execute the delivery process and the payment relationship smart contract to execute the payment process by providing the second unlocking secret. The contract and the payment relationship smart contract each have a time-out time. For example, the lending relationship smart contract has a first time-out time, the delivery relationship smart contract has a second time-out time, and the payment relationship smart contract has a third time-out time. Intermediary The end host 340 may also not provide the second unlocking passphrase when the buyer end host 310 does not provide the first unlocking passphrase, so that the delivery relationship smart contract cannot receive the first unlocking passphrase and the first unlocking passphrase within the second timeout period. 2. Unlocking the secret words, causing the seller-side host 330 to be able to retrieve the asset tokens under custody, and preventing the payment relationship smart contract from receiving the first unlocking secret words and the second unlocking secret words within the third timeout period, resulting in the lending-side host 320 The ability to retrieve the escrow digital currency or payment token, and even in the case of the custodial debt token, prevents the smart contract of the lending relationship from receiving the first unlocking passphrase and the second unlocking passphrase within the first timeout period, causing the buyer The end host 310 can retrieve the custodial credit certificate from the smart contract of the lending relationship.

In summary, among the buyer-side host 310, the lending-side host 320, and the seller-side host 330, the two that is not the earliest set of the first hash value will be converted from the smart contract that has set the first hash value and the second hash value. Obtain the first hash value and the second hash value, and then set the obtained first hash value and second hash value in the lending relationship smart contract, payment relationship smart contract or delivery for which the first and second hash values have not been set In the relationship smart contract, when setting, the lending relationship smart contract allows the escrow of the credit certificate from the buyer's host 310, the delivery relationship smart contract also escrows the asset certificate from the seller's host 330, and the payment relationship smart contract also escrows from The digital currency or payment pass of the host 320 on the lending side. Then, when the transaction is determined to be executed, the buyer-side host 310, the seller-side host 330, or the lending-side host 320 that sets the first hash value first transmits the first unlocking secret to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship Smart contract, or the intermediary host 340 sends the second unlocking secret to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract, so that the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract will match the first When a hash value of the first unlocking passphrase or a second hashing value of the second unlocking passphrase is matched, the custodial asset pass, debt pass, digital currency or payment pass is sent to the buyer's host 310 and the lender's host 320 Or the seller's host 330 and publish the received first unlocking secret word or second unlocking secret word. Next, among the buyer-side host 310, the lending-side host 320, and the seller-side host 330, which are not the earliest set of the first hash value, when the public first unlocking passphrase or the second unlocking passphrase is detected, It is allowed to send the detected first unlocking password or second unlocking password to the delivery relationship smart contract, lending relationship smart contract, or payment relationship smart contract that has not disclosed the first unlocking password or the second unlocking password, so that it can be matched when it is received When the first unlocking passphrase of the first hash value or the second unlocking passphrase that matches the second hash value, the escrow asset pass, debt pass, digital currency or payment pass are sent to the buyer's host 310 and the lender's host 320 or the seller’s host 330, and when the detected first unlocking passphrase or second unlocking passphrase is transmitted to the lending relationship smart contract, it is allowed to record the lending status of the lending relationship smart contract as the loan executed or the escrow bond The certificate is sent to the lending end host 320.

In the following, the buyer-side host 310, the lending-side host 320, and the seller-side host 330 are the first to set the first hash value as an example to further illustrate the multiple parties (ie: the buyer-side host 310, the lending-side host 320, and the seller-side host). The processing flow between 330 and the intermediary end 340):

First, taking the buyer-side host 310 first set the first hash value in the lending relationship smart contract, the intermediary host 340 will set the second hash value in the same smart contract. When a transaction is performed, the buyer-side host 310 will The first unlocking passphrase is sent to the delivery relationship smart contract, so that the first unlocking passphrase can be hashed and compared with the first hash value in the delivery relationship smart contract. When the comparison matches, it will be published in the delivery relationship smart contract. Once the secret words are unlocked, the asset tokens under custody are delivered at the same time. When the lending-side host 320 and the seller-side host 330 detect the first unlocking password disclosed in the delivery relationship smart contract, the lending-side host 320 will obtain the first unlocking password and submit it to the lending relationship smart contract for unlocking in order to obtain the loan The credit certificate hosted by the relationship smart contract may record the loan status of the lending relationship smart contract as the loan executed; the seller-side host 330 will obtain this first unlocking secret and submit it to the payment relationship smart contract for unlocking, so as to obtain the payment relationship smart contract Custodial digital currency or payment pass. The unlocking mentioned here refers to unlocking the hash-locking, so that the smart contract can deliver/pay the assets, tokens or digital currency under its custody to complete the transaction.

Next, taking the lending host 320 first set the first hash value in the payment relationship smart contract, the intermediary host 340 will set the second hash value in the payment relationship smart contract. When the transaction is performed, the lending host 320 will send the first unlocking password to the lending relationship smart contract to perform a hash operation on the first unlocking password for comparison with the first hash value in the lending relationship smart contract. When the comparison matches, it will be in the lending relationship wisdom The contract discloses the first unlocking cipher, and at the same time obtains the credit certificate hosted by the smart contract of the lending relationship or records the lending status of the smart contract of the lending relationship as the lending has been executed. When the buyer-side host 310 and the seller-side host 330 detect the first unlocking password disclosed in the lending relationship smart contract, the buyer-side host 310 will obtain the first unlocking password and submit it to the delivery relationship smart contract for unlocking, so as to obtain the delivery relationship wisdom The asset certificate under contract escrow; the seller-side host 330 will obtain this first unlocking secret and submit it to the payment relationship smart contract for unlocking, so as to obtain the digital currency or payment certificate escrowed by the payment relationship smart contract.

Finally, taking the seller-side host 330 first set the first hash value in the delivery relationship smart contract, the intermediary host 340 will set the second hash value in the delivery relationship smart contract. When a transaction is performed, the seller-side host 330 will Send the first unlocking passphrase to the payment relationship smart contract so that the first unlocking passphrase can be hashed for comparison with the first hash value in the payment relationship smart contract. When the comparison matches, it will be disclosed in the payment relationship smart contract First unlock the secret words, and at the same time obtain the digital currency or payment token escrowed by the smart contract of the payment relationship. When the lending-side host 320 and the buyer-side host 310 detect the first unlocking password disclosed in the payment relationship smart contract, the lending-side host 320 will obtain the first unlocking password and submit it to the lending relationship smart contract for unlocking in order to obtain the loan The credit certificate hosted by the relationship smart contract may record the loan status of the lending relationship smart contract as the loan executed; the buyer-side host 310 will obtain this first unlocking secret and submit it to the delivery relationship smart contract for unlocking, so as to obtain the delivery relationship smart contract Custody of asset certificates.

Please refer to "Figure 4A" and "Figure 4B". "Figure 4A" and "Figure 4B" are the method flowcharts of the second embodiment of the multi-party lending and consumption method based on blockchain and smart contracts in the present invention. Applied to a blockchain network 300 composed of multiple node hosts, the steps include: providing a buyer-side host 310, a lending-side host 320, a seller-side host 330, and an intermediary-side host 340 as one of the node hosts ( Step 410); the buyer-side host 310 or the seller-side host 330 publishes the delivery relationship smart contract on the blockchain network 300, and the buyer-side host 310 or the lending-end host 320 publishes the lending relationship smart contract on the blockchain network 300, and borrow The output host 320 or the seller host 330 publishes the payment relationship smart contract on the blockchain network 300 (step 420); after the delivery relationship smart contract, the lending relationship smart contract, and the payment relationship smart contract are all successfully released, the buyer The host 310 sets the first hash value in the lending relationship smart contract, or the lending host 320 sets the first hash value in the payment relationship smart contract, or the seller host 330 sets the first hash value in the delivery relationship smart contract Value, where the first hash value is generated by the hash calculation of the first unlocking passphrase (step 430); the intermediary host 340 sets the first hash value in the lending relationship smart contract, payment relationship smart contract, or delivery relationship smart contract Set a second hash value, the second hash value is generated by the hash calculation of the second unlocking cipher (step 440); among the buyer-side host 310, the lending-side host 320, and the seller-side host 330, it is not the earliest setting For both the first hash value, the first hash value and the second hash value are set in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract for which the first and second hash values have not been set, where , When setting up, the lending relationship smart contract allows the escrow of the credit certificate from the buyer's host 310, the delivery relationship smart contract also escrows the asset tokens from the seller's host 330, and the payment relationship smart contract also escrows from the lender's host 320 Digital currency or payment pass (step 450); when the transaction is determined to be executed, the buyer host 310, seller host 330, or lender host 320 that sets the first hash value first transmits the first unlocking secret to the delivery relationship Smart contract, lending relationship smart contract, or payment relationship smart contract, or the intermediary host 340 transmits the second unlocking secret to the delivery relationship smart contract, lending relationship smart contract, or payment relationship smart contract to make the delivery relationship smart contract, lending relationship smart contract Or when the payment relationship smart contract receives the first unlocking passphrase that matches the first hash value or the second unlocking passphrase that matches the second hash value, it sends the asset certificate, debt certificate, digital currency or payment certificate under custody to The buyer-side host 310, the lending-side host 320 or the seller-side host 330, and the received first unlocking secret word or the second unlocking secret word are disclosed (step 460); in the buyer's host 310, the borrowing Among the outgoing host 320 and the seller host 330, which are not the first to set the first hash value, when the first or second unlocking passphrase that is public is detected, the detected first unlocking passphrase is allowed to be changed Or the second unlocking password is sent to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract that has not disclosed the first unlocking password or the second unlocking password, so that it receives the first unlocking password or matching the first hash value. When matching the second unlocking passphrase of the second hash value, the escrow asset pass, debt pass, digital currency or payment pass are sent to the buyer's host 310, the lender's host 320 or the seller's host 330, and when investigating When the measured first unlocking password or second unlocking password is transmitted to the lending relationship smart contract, it is allowed to record the lending status of the lending relationship smart contract as the lending has been executed (step 470). Through the above steps, the buyer-side host 310, the lending-side host 320, the seller-side host 330, and the intermediary-side host 340 can be provided on the blockchain network 300, where the buyer-side host 310 and the seller-side host 330 have a delivery relationship. The buyer-side host 310 and the lending-side host 320 have a loan relationship, and the lending-side host 320 and the seller-side host 330 have a payment relationship. Then, when the buyer-side host 310 performs loan and consumption, the smart contract is used to host the digital currency and tokens, and After detecting that the seller-side host 330 has delivered the assets to the buyer-side host 310, the lending-side host 320 then makes payment to the seller-side host 330 and allows the intermediary-side host 340 to arbitrate the transaction.

In addition, after step 470, if an overtime time is set in the lending relationship smart contract, payment relationship smart contract, and delivery relationship smart contract respectively, when the first time matching the first hash value is not received within the timeout period When the unlocking passphrase or the second unlocking passphrase matching the second hash value is allowed, the seller-side host 330 is allowed to retrieve the escrowed asset token, the buyer-side host 310 is allowed to retrieve the escrowded credit token, and the lending-side host 320 is allowed to retrieve it Escrow digital currency or payment token (step 480). In other words, when the matching unlocking passphrase is not received after the expiration time, each smart contract will return the assets, tokens or digital currencies under its custody.

In particular, it should be noted that, in actual implementation, the various hosts described in the present invention can be implemented in various ways, including software, hardware, or any combination thereof. For example, in some embodiments, each host can use software (Such as: virtual machine, container, etc.) and hardware or one of them. In addition, the present invention can also be implemented partially or completely based on hardware, for example, one or more hosts in the system It can be realized through integrated circuit chips, System on Chip (SoC), Complex Programmable Logic Device (CPLD), Field Programmable Gate Array (FPGA), etc. The invention can be a system, a method and/or a computer program. The computer program may include a computer-readable storage medium loaded with computer-readable program instructions for enabling a processor to implement various aspects of the present invention. The computer-readable storage medium may be a tangible that can hold and store instructions used by an instruction execution device. equipment. The computer-readable storage medium can be, but is not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples (non-exhaustive list) of computer-readable storage media include hard disks, random access memory, read-only memory, flash memory, optical disks, floppy disks, and any suitable combination of the foregoing. The computer-readable storage medium used here is not interpreted as the instantaneous signal itself, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (for example, optical signals through fiber optic cables), or through wires Transmission of electrical signals. In addition, the computer-readable program instructions described herein can be downloaded from a computer-readable storage medium to various computing/processing devices, or downloaded via a network, such as the Internet, a local area network, a wide area network, and/or a wireless network. To an external computer device or external storage device. The network may include copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, hubs and/or gateways. The network card or network interface in each computing/processing device receives computer-readable program instructions from the network and forwards the computer-readable program instructions for storage in the computer-readable storage medium in each computing/processing device middle. The computer program instructions that perform the operations of the present invention can be combined language instructions, instruction set architecture instructions, machine instructions, machine-related instructions, micro instructions, firmware instructions, or source code or object code written in any combination of one or more programming languages (Object Code), the programming language includes object-oriented programming languages, such as: Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, PHP, etc., as well as conventional programs Procedural programming language, such as C language or similar programming language. The computer program instructions can be executed entirely on the computer, partly executed on the computer, executed as an independent software, partly executed on the client computer and partly executed on the remote computer, or entirely on the remote computer or server Executed on.

The following description will be given in conjunction with "Figure 5" and "Figure 6" by means of an embodiment. Please refer to "Figure 5" first. "Figure 5" is a schematic diagram of applying the present invention to lending and spending. First, the buyer host 110 (may be referred to as the buyer for short), the intermediary host 140 (which may be referred to as the intermediary party), the seller's host 130 (which may be referred to as the seller), and the lending host 120 (which may be referred to as the lender for short) can Treated as a Quartet host. Among the four-party hosts, the buyer-side host 110 and the seller-side host 130 have a delivery relationship, that is: the seller delivers goods/services to the buyer; the buyer-side host 110 and the lending-end host 120 have a loan relationship, that is, buy Apply for a loan to the lender; the seller-side host 130 and the lender-side host 120 have a payment relationship, that is: the lender pays digital currency or payment tokens to the seller, and the intermediary-side host 140 is independent of the buyer-side host 110. A supervisory role other than the seller-side host 130 and the lending-side host 120 is used to decide whether to perform delivery or refund when arbitration is required. In actual implementation, assuming that a single smart contract is used for implementation as in the first embodiment, and the creditor's rights certificate is used to record the creditor's rights and debt relationship of the loan, the overall loan consumption process is as follows:

1. At the initial stage, any one of the four parties can establish a smart contract, and specify the remaining three parties in this smart contract, and include the assets to be purchased, the amount to be paid (that is, the amount to be borrowed), and the timeout period, etc.

2. In accordance with the instructions of the smart contract, the buyer entrusts the credit certificate to the smart contract; the seller entrusts the asset certificate to the smart contract; the lender entrusts the digital currency or payment certificate to the smart contract.

3. If before the timeout, the buyer, seller and lender have already hosted the digital currency or tokens (such as debt tokens, asset tokens and payment tokens) corresponding to this transaction in the smart contract. Then, any one of the four parties can execute the delivery function of the smart contract, so that the smart contract can transfer the digital currency or tokens it escrows to the corresponding object, such as: transferring asset tokens to the buyer, transferring digital currency or payment tokens Transfer the certificate to the seller and transfer the credit certificate to the lender.

In this way, the subsequent buyer can calculate the repayment amount based on the loan information in the smart contract and the debt certificate held by the lender in order to repay the lender. In particular, if the timeout expires, it means that the transaction is not completed. Therefore, the buyer is allowed to retrieve the escrow token from the smart contract, the seller is allowed to retrieve the custodial asset token from the smart contract, and the loan is allowed. The sender retrieves the escrow digital currency or payment token from the smart contract. In addition, in addition to the above-mentioned use of the credit certificate, the loan information in the smart contract can also be recorded as the loan has been executed.

Next, assuming that the second embodiment uses multiple smart contracts to implement, and the buyer sets the first hash value for the earliest time, the overall loan and consumption process is as follows:

1. The buyer establishes a delivery relationship smart contract, and specifies the seller, the assets to be purchased, the amount to be paid, etc., and then publishes it to the blockchain network 100. In actual implementation, the delivery relationship smart contract can also be established by the seller and designated the buyer.

2. The buyer publishes a lending relationship smart contract based on the content of the delivery relationship smart contract, and specifies the lender, the amount to borrow, and the seller in it. In actual implementation, the smart contract for the lending relationship can also be established by the lender, and the original designated lender needs to be changed to a designated buyer.

3. The lender publishes a payment relationship smart contract based on the information of the delivery relationship smart contract and the lending relationship smart contract, and specifies the seller and the amount to be paid in it. The payment relationship smart contract can also be established by the seller, and the originally designated seller needs to be changed to the designated lender (that is, the actual payer).

4. After the above three smart contracts are established, the buyer sets the first hash value and the first timeout time for the lending relationship smart contract; the intermediary sets the second hash value for the lending relationship smart contract; the seller sets the delivery relationship smart contract The first hash value, the second hash value and the second time-out time; the lender sets the first hash value, the second hash value and the third time-out time to the payment relationship smart contract. After that, if anyone provides the first unlocking passphrase or the second unlocking passphrase to the lending relationship smart contract, the lending relationship smart contract will be recorded as the lending has been executed. At this time, the creditor's rights and debts are established. In particular, in order to enable the intermediary to act as a supervisor to avoid transaction disputes (such as disputes over off-chain delivery behavior), it is necessary to set the second hash value corresponding to the second unlocking cipher in the lending relationship smart contract. First, when a transaction dispute occurs and the buyer is unwilling to provide the first unlocking passphrase, the intermediary can determine whether the transaction should be executed, and when the transaction should be executed, the second unlocking passphrase can be provided to enforce the transaction.

5. The seller escrows the asset tokens to be delivered in the delivery relationship smart contract, and sets the first hash value, the second hash value and the second overtime in the delivery relationship smart contract at the same time; The payment relationship smart contract escrows the digital currency or payment token to be paid, and at the same time sets the first hash value, the second hash value and the third overtime in the payment relationship smart contract.

6. When confirming the execution of the transaction, the buyer sends the first unlocking password to the delivery relationship smart contract, or the intermediary sends the second unlocking password to the delivery relationship smart contract, so that the delivery relationship smart contract will receive within the second timeout period When the first unlocking passphrase that matches the first hash value or the second unlocking passphrase that matches the second hash value is reached, the asset pass in escrow is transmitted to the buyer, and the received first unlocking passphrase or second unlocking passphrase is made public .

7. When the seller and the lender detect the first unlocking password or the second unlocking password disclosed in the delivery relationship smart contract, the seller sends the detected first unlocking password or second unlocking password to the payment relationship smart The contract enables the payment relationship smart contract to receive the first unlocking password matching the first hash value or the second unlocking password matching the second hash value within the third timeout period, and transmit the escrow digital currency or payment token To the seller and the lender, the detected first unlocking passphrase or second unlocking passphrase is sent to the lending relationship smart contract to record the lending status of the lending relationship smart contract as the loan executed.

Similarly, the subsequent buyer can determine whether it needs to repay the lender according to the lending status in the lending relationship smart contract. In particular, the delivery relationship smart contract did not receive the first unlocking passphrase that matches the first hash value or the second hash value within the second timeout period or the payment relationship smart contract did not receive the first unlocking passphrase that matches the first hash value within the third timeout period. In the second unlocking passphrase, the seller is allowed to retrieve the asset token in custody, and the lender is allowed to retrieve the digital currency or payment token in custody. At this time, the buyer's debt is not established.

As shown in "Figure 6", "Figure 6" is a schematic diagram of applying the present invention to set up a smart contract. As mentioned earlier, the smart contract is created and published by one of the buyer’s host 110, the intermediary host 140, the seller’s host 130, and the lender’s host 120. The loan information includes the buyer’s host 110, the seller’s host 130, and the lender. The outbound host 120 and the intermediate host 140 are not the addresses of the three of the smart contracts that created and released the smart contract, as well as the assets to be purchased, the amount to be paid, and the time-out time. In actual implementation, the party that wants to establish a smart contract is the buyer's host 110, which can open the setting window 600 and enter the designated seller's host 130 and lender's host 120 in the input block (611~613). And the address of the intermediate host 140. Then, enter the assets to be purchased, the amount to be paid, and the overtime time in the loan consumption input block (621 ~ 623). Finally, click the confirmation component 630 to create and publish a smart contract on the blockchain network. In addition, in the case of multiple smart contracts, the creation and release methods of each smart contract are similar. The difference is only in the specified content. For example, the buyer needs to specify the lender and want to borrow to establish and release the smart contract. The amount and the seller; the establishment and release by the lender must change the originally designated lender to the designated buyer. In addition, the smart contract established and released by the lender needs to specify the seller and the amount to be paid in it. When it is established by the seller, the original designated seller needs to be changed to the designated lender.

In summary, it can be seen that the difference between the present invention and the prior art is that the buyer-side host, the lender-side host, the seller-side host, and the intermediary-side host are provided on the blockchain network, where the buyer-side host and the seller-side host are Delivery relationship, the buyer’s host and the lender’s host have a loan relationship, and the lender’s host and the seller’s host have a payment relationship. Then, when the buyer’s host performs lending and consumption, the smart contract is used to host the digital currency and tokens, and is under investigation. After detecting that the seller-side host delivers the assets to the buyer-side host, the lending-side host pays the seller-side host, and allows the intermediary-side host to arbitrate the transaction. This technical means can solve the problems of the previous technology, and then Achieve technical effects that improve the transparency and authenticity of lending purposes.

Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Anyone familiar with similar art can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of patent protection shall be determined by the scope of the patent application attached to this specification.

100,300: Blockchain network 110,310: Buyer-side hosting 120, 320: Lending host 130,330: Seller-side host 140,340: Intermediary host 600: Setting window 611~613: Input block 621~623: Input block of loan consumption 630: Confirm component Step 210: Provide a buyer's host, a lender's host, a seller's host, and an intermediary host as one of the node hosts, wherein the intermediary host allows to directly trigger a delivery letter for executing the smart contract And a refund function Step 220: After a smart contract containing a loan message is successfully released on the blockchain network, the buyer-side host is allowed to send at least one credit certificate to the smart contract for custody, and the seller-side host is allowed to transfer at least one asset The pass is sent to the smart contract for custody, and the lending host sends at least one digital currency or at least one payment pass to the smart contract for custody Step 230: When the debt certificate and the asset certificate, as well as the digital currency or the payment certificate have been escrowed in the smart contract, allow the buyer's host, the lender's host, and the seller One of the host and the intermediate host triggers the execution of the delivery function of the smart contract, so that the smart contract transfers the asset certificate to the buyer host, and transfers the digital currency or the payment certificate To the seller's host, and record in the loan message as the loan has been executed, or transfer the credit to the lending host when the smart contract has the credit certificate under custody Step 240: After the execution of the delivery function is completed, the buyer-side host calculates the repayment amount based on the loan information and the debt certificate held by the lending-side host or both, so as to send the loan to the lending-side Host repayment Step 250: When the delivery function is not executed within the timeout period, the smart contract triggers the execution of a refund function, or is triggered by the buyer's host, the lender's host, the seller's host, or the intermediary host The return function is executed to allow the buyer-side host to retrieve the escrow credit certificate, allow the seller-side host to retrieve the custodial asset certificate, and allow the lending-side host to retrieve the escrow Said digital currency or said payment pass Step 410: Provide a buyer's host, a lender's host, a seller's host, and an intermediary host as one of the node hosts, respectively Step 420: The buyer-side host or the seller-side host publishes a delivery relationship smart contract on the blockchain network, and the buyer-side host or the lending-end host publishes a lending relationship smart contract on the blockchain network. The lender host or the seller host publishes a payment relationship smart contract on the blockchain network Step 430: After the delivery relationship smart contract, the lending relationship smart contract, and the payment relationship smart contract are successfully released, the buyer-side host sets a first hash value in the lending relationship smart contract, or the lending The end host sets the first hash value in the payment relationship smart contract, or the seller end host sets the first hash value in the delivery relationship smart contract, where the first hash value is performed by a first unlocking secret Generated by hash calculation Step 440: The intermediary host sets a second hash value in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract for which the first hash value has been set, and the second hash value is determined by a first hash value. 2. Unlock the secret words generated by hash calculation Step 450: Among the buyer-side host, the lending-side host, and the seller-side host, which are not the earliest set of the first hash value, set the first hash value and the second hash value to not yet set The first hash value and the second hash value in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract, wherein, when set, the lending relationship smart contract allows escrow to come from the buyer's host At least one debt certificate of the delivery relationship, the delivery relationship smart contract also hosts at least one asset certificate from the seller-side host, and the payment relationship smart contract also hosts at least one digital currency or at least one payment certificate from the lending host Step 460: When the transaction is determined to be executed, the buyer host, the lender host, or the seller host that sets the first hash value first transmits the first unlocking secret to the delivery relationship smart contract and the lending relationship The smart contract or the payment relationship smart contract, or the intermediary host transmits the second unlocking secret to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract, so that the delivery relationship smart contract, the lending relationship When the smart contract or the payment relationship smart contract receives the first unlocking secret word matching the first hash value or the second unlocking secret word matching the second hash value, it transfers the asset certificate and the creditor's rights under trust The pass, the digital currency, or at least one payment pass is transmitted to the buyer's host, the lender's host, or the seller's host, and the received first unlocking passphrase or the second unlocking passphrase is made public Step 470: Among the buyer-side host, the lending-side host, and the seller-side host, whichever is not the earliest to set the first hash value, when the first unlocking secret or the second unlocking is detected During the passphrase, the detected first unlocking passphrase or the second unlocking passphrase is allowed to be sent to the delivery relationship smart contract, the lending relationship smart contract, or the payment that has not disclosed the first unlocking passphrase or the second unlocking passphrase The relationship smart contract enables it to transfer the asset certificate and the creditor’s rights certificate under custody when the first unlocking passphrase matching the first hash value or the second unlocking passphrase matching the second hash value is received , The digital currency or the payment pass is sent to the buyer's host, the lender's host or the seller's host, and when the first unlocking password or the second unlocking password is detected, it is sent to the lending In the case of a relationship smart contract, it is allowed to record a loan status of the loan relationship smart contract as a loan executed Step 480: Set an expiration time in the lending relationship smart contract, the payment relationship smart contract, and the delivery relationship smart contract. When the first unlock that matches the first hash value is not received within the timeout period When the passphrase or the second unlock passphrase that matches the second hash value, the seller-side host is allowed to retrieve the asset token under custody, the buyer-side host is allowed to retrieve the creditor’s rights token under custody, and the lending is allowed The end host retrieves the hosted digital currency or the payment token

Figure 1 is a system block diagram of the first embodiment of a multi-party lending and consumption system based on blockchain and smart contracts of the present invention. Figure 2 is a method flowchart of the first embodiment of the multi-party lending and consumption method based on the blockchain and smart contracts of the present invention. Figure 3 is a system block diagram of the second embodiment of the multi-party lending and consumption system based on the blockchain and smart contracts of the present invention. 4A and 4B are the method flowcharts of the second embodiment of the multi-party lending and consumption method based on the blockchain and smart contract of the present invention. Figure 5 is a schematic diagram of applying the present invention to loan consumption. Figure 6 is a schematic diagram of applying the present invention to set up a smart contract.

100: Blockchain network

110: Buyer-side host

120: Lending host

130: Seller-side host

140: Intermediary host

Claims (10)

A multi-party lending and consumption system based on blockchain and smart contracts, which is applied in a blockchain network composed of multiple node hosts. The system includes: A buyer-side host, as one of the node hosts, the buyer-side host is used to allow at least one credit card to be sent to the blockchain network after a smart contract containing a loan message is successfully published Smart contract for escrow; A lending host, as one of the node hosts, the lending host sends at least one digital currency or at least one payment pass to the smart contract for custody after the smart contract is successfully released; A seller-side host, as one of the node hosts, the seller-side host sends at least one asset pass to the smart contract for custody after the smart contract is successfully released; and An intermediary host, as one of the node hosts, the intermediary host is used to allow a delivery function and a return function of the smart contract to be directly triggered; Wherein, when the asset pass and the digital currency or the payment pass are all hosted in the smart contract, the buyer host, the lender host, the seller host, and the intermediary host are allowed to be among them One triggers the execution of the delivery function of the smart contract, so that the smart contract transfers the asset certificate to the buyer's host, transfers the digital currency or the payment certificate to the seller's host, and The loan message records that the loan has been executed, or when the smart contract has the credit card under custody, the credit card is transferred to the lending end host. When the delivery function is completed, the buyer The host computer calculates the repayment amount according to the loan information and the credit certificate held by the lending host, or both, so as to repay the loan to the lending host. For example, the multi-party lending and consumption system based on blockchain and smart contract in claim 1, wherein the smart contract is established by one of the buyer's host, the lender's host, the seller's host, and the intermediary host, and Released, the loan message includes the addresses of the buyer-side host, the seller-side host, the lending-side host, and the intermediary-side host, but not the addresses of three of them that created and issued the smart contract, as well as an asset to be purchased, an address The amount to be paid and an overtime period. For example, in the multi-party lending and consumption system based on blockchain and smart contract in Request 2, where the delivery function is not executed and the timeout time is exceeded, the refund function of the smart contract is triggered to execute the smart contract to allow the buyer The host retrieves the hosted creditor's rights certificate, allows the seller-side host to retrieve the hosted asset certificate, and allows the lending-end host to retrieve the hosted digital currency or the payment certificate. A multi-party lending and consumption system based on blockchain and smart contracts, which is applied in a blockchain network composed of multiple node hosts. The system includes: A buyer-side host as one of the node hosts, the buyer-side host is used to allow a first hash value to be set in the lending relationship smart contract after a lending relationship smart contract is published on the blockchain network , Wherein the first hash value is generated by hash calculation of a first unlocking cipher; A lending-side host, as one of the node hosts, the lending-side host is used to allow the payment relationship smart contract to set the first hash after a payment relationship smart contract is published on the blockchain network Value, and at least one digital currency or at least one payment pass is sent to the payment relationship smart contract for custody; A seller-side host as one of the node hosts, the seller-side host is used to allow the first hash value to be set in the delivery relationship smart contract after a delivery relationship smart contract is published on the blockchain network, And transmit at least one asset pass to the delivery relationship smart contract for custody; and An intermediary-side host, as one of the node hosts, the intermediary-side host is used to set a first in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract for which the first hash value has been set A second hash value, the second hash value is generated by hash calculation of a second unlocking cipher; Wherein, among the buyer-side host, the lending-side host, and the seller-side host, the first hash value and the second hash value are set at the time that the first hash value is not set at the earliest In the first hash value and the second hash value of the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract, when setting, the lending relationship smart contract allows hosting at least A debt certificate, the delivery relationship smart contract also hosts at least one asset certificate from the seller-side host, and the payment relationship smart contract also hosts at least one digital currency or at least one payment certificate from the lending host; Wherein, when the transaction is determined to be executed, the buyer-side host, the seller-side host, or the lending-side host that sets the first hash value first transmits the first unlocking secret to the delivery relationship smart contract and the lending relationship smart Contract or the payment relationship smart contract, or the intermediary host transmits the second unlocking secret to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract, so that the delivery relationship smart contract, the lending relationship smart When the contract or the payment relationship smart contract receives the first unlocking passphrase matching the first hash value or the second unlocking passphrase matching the second hash value, it transfers the asset pass and the creditor’s rights under custody to The certificate, the digital currency or at least one payment pass is transmitted to the buyer-side host, the lending-side host or the seller-side host, and the received first unlocking passphrase or second unlocking passphrase is made public; and Among them, among the buyer-side host, the lending-side host, and the seller-side host, whichever is not the earliest to set the first hash value, when the first unlocking secret or the second unlocking secret is detected When the detected first unlocking password or the second unlocking password is allowed to be transmitted to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship that has not disclosed the first unlocking password or the second unlocking password The smart contract enables it to transfer the asset certificate, the credit certificate, The digital currency or the payment pass is transmitted to the buyer-side host, the lending-side host or the seller-side host, and when the first unlocking password or the second unlocking password is detected, it is sent to the lending relationship In the case of a smart contract, a loan status of the smart contract of the loan relationship is allowed to be recorded as the loan has been executed. For example, the multi-party lending and consumption system based on blockchain and smart contracts in claim 4, wherein the lending relationship smart contract, the payment relationship smart contract, and the delivery relationship smart contract further include an overtime time, when it is not within the overtime time When receiving the first unlocking password matching the first hash value or the second unlocking password matching the second hash value within, the seller-side host is allowed to retrieve the asset certificate under custody, and the buyer-side host is allowed to obtain Return the escrow of the creditor's rights certificate, and allow the lending end host to retrieve the escrowd digital currency or the payment certificate. A multi-party lending and consumption method based on blockchain and smart contracts is applied to a blockchain network composed of multiple node hosts. The steps include: Provide a buyer host, a lender host, a seller host, and an intermediate host as one of the node hosts, wherein the intermediate host allows to directly trigger a delivery function for executing the smart contract And a refund function; After a smart contract containing a loan message is successfully published on the blockchain network, the buyer-side host is allowed to send at least one debt certificate to the smart contract for custody, and the seller-side host is allowed to transfer at least one asset certificate Send to the smart contract for custody, and the lending host sends at least one digital currency or at least one payment pass to the smart contract for custody; When the asset token and the digital currency or the payment token are all hosted in the smart contract, one of the buyer-side host, the lending-side host, the seller-side host, and the intermediary-side host is allowed Trigger execution of the delivery function of the smart contract, so that the smart contract will transfer the asset token to the buyer's host, transfer the digital currency or the payment token to the seller's host, and make the loan It is recorded in the message that the loan has been executed, or when the smart contract has the credit card under custody, the credit card is transferred to the lending end host; and After the execution of the delivery function ends, the buyer-side host calculates the repayment amount based on the loan information and the debt certificate held by the lending-side host or either of them, so as to repay the lending-side host payment. For example, the multi-party loan consumption method based on blockchain and smart contract in claim 6, where the loan message includes the buyer's host, the seller's host, the lender's host, and the intermediary host, but is not created and released The addresses of three of the smart contracts, as well as an asset to be purchased, an amount to be paid, and an overtime period. For example, the multi-party loan and consumption method based on blockchain and smart contract in claim 7, wherein the method further includes the following steps: When the delivery function is not executed after the timeout period, the smart contract triggers the execution of a refund function, or the buyer host, the intermediary host, the seller host or the lender host triggers the execution of the The return function is used to allow the buyer-side host to retrieve the escrow credit certificate, allow the seller-side host to retrieve the custodial asset certificate, and allow the lending-side host to retrieve the escrow Currency or said payment pass. A multi-party lending and consumption method based on blockchain and smart contracts is applied to a blockchain network composed of multiple node hosts. The steps include: Provide a buyer's host, a lender's host, a seller's host, and an intermediary host as one of the node hosts; The buyer-side host or the seller-side host publishes a delivery relationship smart contract on the blockchain network, the buyer-side host or the lending-end host publishes a lending relationship smart contract on the blockchain network, the lending The end host or the seller end host publishes a payment relationship smart contract on the blockchain network; After the delivery relationship smart contract, the lending relationship smart contract, and the payment relationship smart contract are successfully released, the buyer-side host sets a first hash value in the lending relationship smart contract, or the lending-side host The first hash value is set in the payment relationship smart contract, or the seller host sets the first hash value in the delivery relationship smart contract, where the first hash value is calculated by a first unlocking password generate; The intermediary host sets a second hash value in the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract for which the first hash value has been set, and the second hash value is a second unlocking passphrase Generated by hash calculation; Among the buyer-side host, the lending-side host, and the seller-side host, if the first hash value is not set earliest, the first hash value and the second hash value are set to a value that has not yet been set for the first hash value. The hash value and the second hash value of the lending relationship smart contract, the payment relationship smart contract, or the delivery relationship smart contract, wherein, when setting, the lending relationship smart contract allows hosting at least A debt certificate, the delivery relationship smart contract also hosts at least one asset certificate from the seller-side host, and the payment relationship smart contract also hosts at least one digital currency or at least one payment certificate from the lending host; When the transaction is determined to be executed, the buyer-side host, the lender-side host, or the seller-side host that sets the first hash value first transmits the first unlocking secret to the delivery relationship smart contract, the lending relationship smart contract or The payment relationship smart contract, or the intermediary host transmits the second unlocking secret to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract, so that the delivery relationship smart contract, the lending relationship smart contract or When the payment relationship smart contract receives the first unlocking passphrase matching the first hash value or the second unlocking passphrase matching the second hash value, it will escrow the asset certificate, the credit certificate, The digital currency or at least one payment pass is transmitted to the buyer's host, the lender's host or the seller's host, and the received first unlocking passphrase or the second unlocking passphrase is made public; and In the buyer-side host, the lending-side host, and the seller-side host, if the first hash value is not set earliest, when the first unlocking secret or the second unlocking secret is detected, It is allowed to transmit the detected first unlocking password or the second unlocking password to the delivery relationship smart contract, the lending relationship smart contract, or the payment relationship smart contract that has not disclosed the first unlocking password or the second unlocking password , So that when receiving the first unlocking passphrase matching the first hash value or the second unlocking passphrase matching the second hash value, the asset pass, the credit pass, and the Digital currency or the payment pass is sent to the buyer's host, the lender's host, or the seller's host, and when the first unlocking password or the second unlocking password is detected, it is sent to the lending relationship smart contract At the time, it is allowed to record a loan status of the smart contract of the loan relationship as the loan has been executed. For example, the multi-party lending consumption method based on blockchain and smart contract in claim 9, wherein the method further includes setting an expiration time in the lending relationship smart contract, the payment relationship smart contract, and the delivery relationship smart contract. When the first unlocking password matching the first hash value or the second unlocking password matching the second hash value is not received within the timeout period, the seller-side host is allowed to retrieve the asset token under trust Steps of allowing the buyer-side host to retrieve the hosted creditor's rights pass, and allowing the lending-side host to retrieve the hosted digital currency or the payment pass.

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