TWI588763B - Virtual currency crediting system based on physical assets and method thereof - Google Patents

Description

System and method for crediting virtual currency based on physical assets

The present invention relates to a credit authorization system and method thereof, and more particularly to a system and method for realizing a virtual currency based on physical asset credits using a blockchain technology to store related records of physical asset credit virtual currency.

In recent years, with the popularization and vigorous development of financial technology, various financial technology applications have sprung up, such as digital accounts, virtual currency, mobile wallets and so on.

At present, the development direction of financial technology is the financial Internet, which allows the traditional banking industry to serve customers by means of the Internet, so as to reduce manpower demand and improve convenience, and finally achieve the goal of de-banking. However, since the bank credit business needs to bear a considerable degree of risk, it usually has a cumbersome and rigorous operation process, and at the same time, it is accompanied by a layer of manual sign-off, which makes it difficult to fully realize the de-banking of the current credit-granting part of the physical assets.

In view of this, some manufacturers have proposed to digitize various documents and signatures, and to use the vouchers to improve security to conduct credit business. However, this approach usually uses a closed system, and its centralized architecture is difficult for users and financial operators to feel safe and reliable, so the financial industry's acceptance is not high. In other words, the closed system of this centralized architecture is still The problem of credit convenience and poor reliability of physical assets cannot be effectively solved.

In summary, it can be seen that the prior art has long been the problem of poor credit convenience and reliability of physical assets, so it is necessary to propose improved technical means to solve this problem.

The invention discloses a system and method for crediting virtual currency based on physical assets.

First, the present invention discloses a system for granting virtual currency based on an entity asset, the system comprising: a node and a credit node. The nodes are interconnected in a point-to-point manner to provide computing resources and to receive and verify data blocks, and to broadcast the verified data blocks to link the data blocks to the blockchain. The credit node is configured to interconnect with the node through a point-to-point manner, and includes: an evaluation module, a processing module, a grant module, and a transmission module. The evaluation module is configured to receive the entity assets from the client for valuation and separately generate the credit amount and the identification code of the corresponding entity assets; the processing module is configured to accept the credit amount on the client and complete the signing, and after the account is opened and opened. Generating the account address of the corresponding client, and writing the credit amount and identification code of each physical asset as a credit record to the data block; the appropriation module is used to allocate the virtual currency of the corresponding credit amount to the account by the preset grant address. The address is generated and the grant record is written into the data block; and the transport module is used to broadcast the data block containing the credit record and the grant record to the node for verification.

In addition, the present invention discloses a method for granting virtual currency based on physical assets, the steps of which include: providing nodes, which are connected to each other through a point-to-point manner, for providing computing resources and receiving and verifying data blocks; providing a credit node; The credit node connects to the node through a point-to-point manner; the credit node receives the entity asset from the client to perform the valuation and separately generates the credit amount and the identification code of the corresponding entity asset; accepts the credit amount at the client and completes the signing, After the account is opened, the credit node generates the account address of the corresponding client, and writes the credit amount and identification code of each entity asset as a credit record to the data block; the credit node receives the corresponding credit amount from the default grant address. Funding to the account address and generating a grant record, and writing the grant record to the data block; the credit node broadcasts a data block containing the credit record and the grant record to the node for verification; the node broadcasts the verified data Block, so that the node and the credit node will block the data block To block chain.

The system and method disclosed by the present invention are as above, and the difference from the prior art is that the present invention evaluates an entity asset through a credit node to generate a credit amount and an identification code and writes it as a credit record to the data block, and completes the contract at the client. After the account is opened and opened, the account address is generated, so that the credit node allocates the virtual currency of the corresponding credit amount to the account address, and generates a grant record to write the data block, when the credit node broadcasts the data block to the node and passes the verification. The verified node broadcasts the verified data block to the credit node and each node to link the data blocks to their respective blockchains.

Through the above technical means, the present invention can achieve the technical effect of improving the credit convenience and reliability of the physical assets.

The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, so that the application of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.

Before describing the system and method for realizing the virtual currency based on the physical asset disclosed in the present invention, the nouns defined by the present invention are first described. The blockchain according to the present invention refers to all the records (such as credit records). , allocation records and redemption records are written into each data block, each data block is chained together one after another to become a blockchain, in which each data block is to be linked before It is verified by each node and will be linked after the validation is valid, and it is very difficult to modify once the link is established. In addition, the credit node of the present invention is similar to the node. Specifically, the credit node has the same function as the node, and the difference is only that the credit node has a function of granting virtual currency based on the entity asset.

The system and method for realizing the credit-based virtual currency of the present invention are further described below with reference to the drawings. Please refer to "FIG. 1" first, and "FIG. 1" is a system block diagram of a system for crediting virtual currency based on physical assets. The system includes: a node 100 and a credit node 110. The number of the nodes 100 may be more than one. Each node 100 is interconnected in a point-to-point manner to provide computing resources and receive and verify data blocks, and broadcast the verified data blocks to link the data blocks to Blockchain. In actual implementation, each node 100 can be a computer device that is approved and trusted, for example, a server located in a licensed third-party payment provider or financial institution. In addition, in addition to receiving and verifying the data block, the node 100 also generates a transaction record when executing the transaction, and broadcasts the transaction record to all the nodes 100 and the credit node 110, so that after the node 100 and the credit node 110 verify that they are correct, Write this transaction record to the respective data block. The verification refers to verifying the validity of the transaction record generated, and may also perform processing such as hashing, encryption, etc. on the transaction record to ensure that the transaction record is not tampered with. The transaction record may include the address of the node 100 of the income and expenditure (for example, the address of the node 100 of the income is "1HLZjrjvPMfW3YehTN3E9Bd7a6zvEZwque"; the address of the node 100 of the expenditure is "1777caDAxdxuboQWEiWKYAkw1dfEmW6rFj") and the transaction amount of the virtual currency.

In the part of the credit node 110, the same is connected to all the nodes 100 in a point-to-point manner. The credit node 110 includes an evaluation module 111, a processing module 112, a grant module 113, and a transmission module 114. The valuation module 111 is configured to receive physical assets from the client for valuation and separately generate credit amounts and identification codes of the respective physical assets. The client can be a client's computer device, such as a personal computer, a tablet computer, a notebook computer, a smart phone, a personal digital assistant, and the like. As for the physical assets, the documents of the assets available for sale or transfer or their legal owners, such as ownership, contract or official documents, etc., commonly have land ownership, house ownership, futures contracts, registered or bearer bonds, Driving license for steam locomotives, etc.

The processing module 112 is configured to generate the credit address of the client after the client accepts the credit amount, completes the subscription, saves the account, and creates the account address of the corresponding client, and writes the credit amount and the identification code of each entity asset into the data block as a credit record. In practical implementation, the account address is a unique set of addresses that can be generated after the public key is hashed and transcoded (eg, Base 58). In addition, if the physical asset is a car, its identification code can be set to Vehicle Identification Number (VIN); if the physical asset is land, its identification code can be set as the weight number, and so on, it will be able to represent the entity. Assets and unique words, numbers, symbols, or combinations thereof, etc. are used as identification codes. In practical implementation, another data block may be generated for writing when a fixed time interval (for example, 10 minutes) or a data block satisfies a preset size (for example, 512 KB), thereby avoiding a single data area. The amount of data in the block is too large and affects the verification efficiency.

The appropriation module 113 is configured to allocate the virtual currency of the corresponding credit amount to the account address and generate the appropriation record by the preset appropriation address, and write the appropriation record into the data block. For example, if the credit amount is NT$10 million or 50,000 points, the grant module 113 will allocate the equivalent virtual currency from the grant address to the client's account address and generate a corresponding grant record to write. Data block. In particular, the virtual currency is a medium of exchange, and in some cases operates like a physical currency, but does not have all the attributes of a physical currency, nor does it have the status of a legal currency.

The transmission module 114 is configured to broadcast the data block including the credit record and the grant record to the node 100 for verification. In actual implementation, the manner in which the node 100 verifies the data block broadcast by the credit node 110 can verify the validity of the data block by means of encryption, decryption, key pair, check code, and the like. In addition, the manner in which the data block is broadcasted to the node 100 for verification may be set to represent verification when the data block is verified by a preset number (for example, more than half of the total number of nodes), and the preset number of ranges Is less than or equal to the total number of nodes 100. In other words, the data block will be verified multiple times to ensure its validity.

Specifically, in actual implementation, the trusted node 110 may further include a redemption module 115 for generating a redemption record and writing to the data area after the client transfers the virtual currency of the corresponding credit amount to the grant address. The block, and the data block containing the redemption record are broadcast to the node 100 for verification. After the data block containing the redemption record is verified, the credit node 110 can return the certificate of the mortgaged asset or its legal owner to the client. In general, the client usually needs to import the virtual currency of the corresponding interest in addition to the virtual currency of the corresponding credit amount.

Next, please refer to "FIG. 2", which is a flowchart of a method for crediting virtual currency based on physical assets according to the present invention. The steps include: providing nodes 100, which are connected to each other through a point-to-point manner. For providing computing resources and receiving and verifying data blocks (step 210); providing a trusted node 110, the trusted node 110 interconnecting with the node 100 in a point-to-point manner (step 220); the trusted node 110 receiving from the client Entity assets are used for valuation and respectively generate credit amount and identification code of the respective entity assets (step 230); after the client accepts the credit amount and completes the contract, saves the account and opens the account, the credit node 110 generates the account address of the corresponding client, and The credit amount and the identification code of each physical asset are written into the data block as a credit record (step 240); the credit node 110 allocates the virtual currency of the corresponding credit amount to the account address by the preset grant address and generates a fund allocation record. And writing the grant record to the data block (step 250); the credit node 110 will include the credit record and dial The recorded data block is broadcasted to the node 100 for verification (step 260); the node 100 broadcasts the verified data block, causing the node 100 and the trusted node 110 to link the data block to the blockchain (step 270). ). Through the above steps, the entity asset can be evaluated by the credit node 110 to generate a credit amount and an identification code and written into the data block as a credit record, and an account address is generated after the client completes the contract, saves the account, and opens the account. The credit node 110 allocates the virtual currency of the corresponding credit amount to the account address, and generates a grant record to write the data block. When the credit node 110 broadcasts the data block to the node 100 and passes the verification, the verified node will pass the verification. The data block is broadcast to the credit node 110 and each node 100 to link the data blocks to their respective blockchains.

After step 270, the credit node 110 may generate a redemption record and write the data block after the client transfers the virtual currency of the corresponding credit amount to the grant address, and broadcast the data block including the redemption record to the node. 100 performs verification (step 280). In actual implementation, when the data block containing the redemption record is verified, the credit node 110 can return the certificate of the client-backed asset or its legal owner to the client.

The following description will be made by way of example with reference to "FIG. 3" and "FIG. 4". Please refer to "FIG. 3" and "FIG. 3" for a schematic diagram of applying the credit currency of the present invention. Assuming that the physical asset of the client 300 is a car, when the credit node 110 is to be based on the virtual currency of the car credit equivalent to the client 300, the credit node 110 first receives the entity asset from the client 300 for valuation, for example, receiving the car. The photo, the archive photo, etc. are used to determine the age of the car, the condition of the car, the owner, etc., in order to generate a corresponding credit amount for the client 300 to browse, and the vehicle identification code as the identification code of the corresponding asset of the entity. After the client 300 receives the credit amount and completes the subscription, the deposit and the account opening, the credit node 110 can generate a set of account addresses corresponding to the client 300, and write the credit amount and the identification code of the physical asset as the credit record. The data block 310 is entered. In actual implementation, the documents such as the contract, the insurance, and the account opening may be digitized and encrypted, and then written into the data block 310 as a credit record. In addition, each node 100 can also be broadcasted each time a credit record is generated, so that the node 100 writes the credit record to the data block of the node 100 itself after determining that it is broadcast by the credit node 110. In this way, the data blocks of the credit node 110 and the node 100 record the same credit record.

Next, the credit node 110 allocates the virtual currency of the corresponding credit amount to the account address of the client 300 from the preset grant address, for example, transferring the point 50,000 points or the token 50,000 yuan to the client from the grant address. 300 account address. A corresponding grant record is then generated to be written into the data block 310. Similarly, in actual implementation, each time a grant record is generated and written to the data block 310 of the credit node 110, the grant record can also be broadcasted to all nodes 100, allowing all nodes 100 to write the grant record to its own data block. . It should be particularly noted here that, regardless of whether there is a broadcast credit record and a broadcast record, the data block 310 of the credit node 110 is still broadcasted after each node 100 is authenticated and linked to the respective blockchain. Both the credit node 110 and each node 100 will have a data block with the same record and a blockchain of its composition.

As mentioned above, the credit node 110 writes the credit history and the grant record to the data block 310. Next, the credit node 110 broadcasts the data block 310 to all the nodes 100 for verification. For example, the verification by the key is indeed The credit node 110 broadcasts, verifies the validity of the credit history and grant records, and the like. In actual implementation, all nodes 100 may select one of them as the verification representative. When the selected node 100 verifies the error, it broadcasts to all the nodes 100 and the trusted node 110, so that the node 100 and the trusted node 110 link the data block. To the respective blockchain. At this point, the process of crediting virtual currency based on physical assets is completed, and the complete credit and grant process can be queried from any blockchain in the future. In practice, the establishment, chaining, maintenance, and query of the blockchain can be implemented using a version of the protocol issued by Ethereum.

As shown in Figure 4, Figure 4 is a schematic diagram of the redemption of physical assets using the present invention. Assuming that the client 300 wants to redeem its own physical asset, the client 300 needs to remit enough virtual currency to the grant address, for example, at least the virtual currency corresponding to the credit amount is remitted to the grant address. After the client 300 merges the virtual currency of the corresponding credit amount into the grant address, the credit node 110 will generate a redemption record and write it into the data block 410, and broadcast the data block 410 containing the redemption record to the data block 410. Each node 100 performs verification. After the data block 410 passes the verification, the node verifying that the data block 410 will broadcast the verified data block 410, causing the credit node 110 and each node 100 to link the data block 410 to the respective blockchain. . As a result, the redemption record is difficult to be tampered with reliability, and the redemption record can prove that the client 300 has been paid, and the credit node 110 can transfer the ownership of the physical asset to the original owner based on the redemption record. In particular, the data block 410 may have other client credit records and grant records, etc., in addition to redemption records, that is, the same data block 410 may have different or identical customers at the same time. Credit records, grant records and redemption records.

In summary, it can be seen that the difference between the present invention and the prior art is that the entity assets are evaluated by the credit node to generate a credit amount and an identification code, and are written into the data block as a credit record, and the contract is completed and protected on the client. And after the account is opened, an account address is generated, so that the credit node allocates the virtual currency of the corresponding credit amount to the account address, and generates a grant record to write the data block, and when the credit node broadcasts the data block to the node and passes the verification, the authorization is performed. The verified node broadcasts the verified data block to the credit node and each node, so as to link the data block to the respective blockchain, and the technical problem can solve the problems of the prior art, thereby achieving improvement. The technical efficiency of the credit facility convenience and reliability of physical assets.

While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

100‧‧‧ nodes
110‧‧‧credit node
111‧‧‧Valuation Module
112‧‧‧Processing module
113‧‧‧Appropriation Module
114‧‧‧Transmission module
115‧‧‧Redemption Module
300‧‧‧Client
310, 410‧‧‧ Data Block Steps 210‧‧‧ Provide multiple nodes that are interconnected in a peer-to-peer manner to provide computing resources and to receive and verify a data block. Step 220‧ ‧ Provide a credit a node, the credit node interconnecting the nodes through a peer-to-peer method. Step 230‧ ‧ The credit node receives at least one physical asset from a client for valuation and separately generates a credit amount and an identification of each corresponding entity asset Code step 240‧‧‧ After the client accepts the credit amount and completes the contract, saves the account and opens the account, the credit node generates an account address corresponding to the client, and the credit amount and the identification code of each entity asset Writing to the data block as a credit record step 250‧ ‧ the credit node allocates the virtual currency corresponding to the credit amount to the account address by a preset grant address and generates a grant record, and writes the grant record Into the data block, step 260‧‧ The credit node broadcasts the data block containing the credit record and the grant record to the The node performs the verification step 270‧‧ the nodes broadcast the verified data block, and the nodes and the credit node link the data block to a blockchain. Step 280‧‧ The credit node is in the After the client adds at least the virtual currency corresponding to the credit amount to the grant address, generates a redemption record and writes the data block, and broadcasts the data block including the redemption record to the nodes for verification.

1 is a system block diagram of a system for granting virtual currency based on physical assets of the present invention. 2 is a flow chart of a method for crediting virtual currency based on physical assets according to the present invention. Figure 3 is a schematic diagram of the application of the credit currency of the present invention. Figure 4 is a schematic diagram of the redemption of physical assets using the present invention.

100‧‧‧ nodes

110‧‧‧credit node

111‧‧‧Valuation Module

112‧‧‧Processing module

113‧‧‧Appropriation Module

114‧‧‧Transmission module

115‧‧‧Redemption Module

Claims (10)

A system for granting virtual currency based on physical assets, the system comprising: a plurality of nodes interconnected by a point-to-point method for providing computing resources and receiving and verifying a data block, and broadcasting the verified data area Blocking the data block to a blockchain; and a credit node for interconnecting the nodes through a point-to-point manner, the credit node comprising: an evaluation module for receiving from a client At least one physical asset for valuation and separately generating a credit amount and an identification code of the respective physical assets; a processing module for generating the credit amount after the client accepts the contract, and after depositing the account and opening the account, generating Corresponding to an account address of the client, and the credit amount and the identification code of each physical asset are written into the data block as a credit record; an appropriation module is used to preset the appropriation address The virtual currency of the credit amount is allocated to the account address and generates a grant record, and the fund record is written into the data block; Input module for containing the credit record and the data block allocation of the recorded broadcast to the plurality of nodes verified. A system for granting virtual currency based on an entity asset according to claim 1 of the patent application, wherein the credit node further includes a redemption module for transmitting, after the client, at least the virtual currency corresponding to the credit amount into the grant address Generating a redemption record and writing the data block, and broadcasting the data block containing the redemption record to the nodes for verification. According to the system of claim 1, the system for granting virtual currency based on the entity asset, wherein the data block passes the verification after at least one of the predetermined number of the nodes is successfully verified. A system for granting virtual currency based on an entity asset according to claim 1 of the patent application, wherein the processing module generates another data block for writing when the data block satisfies a time interval or a predetermined size. A system for granting virtual currency based on an entity asset according to claim 1 of the scope of the patent application, wherein the nodes and the credit node generate a transaction record when executing the transaction, and broadcast the transaction record for the nodes and the credit node to write The data block of the self, the credit node further includes verifying the data block broadcast by the nodes. A method for granting virtual currency based on physical assets, the method comprising: providing a plurality of nodes, which are connected to each other through a point-to-point manner to provide computing resources and receive and verify a data block; and provide a credit node, the credit The node is interconnected with the nodes through a point-to-point manner; the trusted node receives at least one physical asset from a client for valuation and separately generates a credit amount and an identification code of each corresponding entity asset; accepting the credit at the client After the credit amount is completed and the contract is completed, and the account is opened and opened, the credit node generates an account address corresponding to the client, and writes the credit amount and the identification code of each entity asset as a credit record to the data block; The credit node allocates the virtual currency corresponding to the credit amount to the account address by a preset grant address and generates an appropriation record, and writes the appropriation record into the data block; the credit node will include the credit record and the The data block of the appropriation record is broadcast to the nodes for verification; and the nodes are wide The verified data block is broadcasted, and the nodes and the credit node link the data block to a blockchain. The method for granting virtual currency based on an entity asset according to claim 6 of the patent application scope, wherein the method further comprises: the credit node generating a redemption record after the client transfers the virtual currency corresponding to the credit amount to the grant address And writing to the data block, and broadcasting the data block including the redemption record to the nodes for verification. According to the method of claim 6, the method for granting virtual currency based on the entity asset, wherein the data block passes the verification after at least one of the predetermined number of the nodes is successfully verified. The method for granting virtual currency based on an entity asset according to claim 6 of the patent application scope, wherein the credit node generates another data block for writing when the data block satisfies a time interval or a predetermined size. A method for granting virtual currency based on an entity asset according to claim 6 of the patent application scope, wherein the nodes and the credit node generate a transaction record when executing the transaction, and broadcast the transaction record for the nodes and the credit node to write The data block of the self, the credit node further includes verifying the data block broadcast by the nodes.