WO2019137284A1

WO2019137284A1 - Virtual-coin mortgage loan method based on block chain

Info

Publication number: WO2019137284A1
Application number: PCT/CN2019/070172
Authority: WO
Inventors: 吴思进; 王志文
Original assignee: 杭州复杂美科技有限公司
Priority date: 2018-01-11
Filing date: 2019-01-03
Publication date: 2019-07-18
Also published as: CN108288151A

Abstract

Disclosed is a virtual-coin mortgage loan method based on a block chain. A conventional system issues small virtual coins and virtual coins, of which values are equal to values of legal tender, on a block chain; a purchaser mortgages the small virtual coins to obtain virtual coins of which values are equal to values of legal tender, and then uses the virtual coins, of which the values are equal to the values of the legal tender, to invest in the other virtual coins; and the system returns the small virtual coins to the purchaser after the purchaser returns the virtual coins, of which the values are equal to the values of the legal tender, to the system, thus realizing the virtual-coin mortgage loan method based on a block chain.

Description

A virtual currency mortgage loan method based on blockchain

Technical field

The invention relates to the field of blockchain technology, and relates to a virtual currency mortgage loan method based on a blockchain.

Background technique

Since the virtual currency cannot be directly traded with the legal currency, the existing virtual currency exchange is a currency transaction. Currency trading will result in no value for the value of the virtual currency, which is not convenient for system pricing. Some small but valuable small virtual coins, due to their failure to circulate in the market, many exchanges do not support these virtual coins to trade with other large recognized tokens.

To sum up, it is necessary to provide a technical solution to ensure that the currency transaction has a unified reference object, which is convenient for pricing, and can finally realize the transaction of the small virtual currency and the recognized virtual currency by way of mortgage loan.

Summary of the invention

In view of this, the present invention provides a blockchain-based virtual currency mortgage borrowing method that solves or partially solves the above problems.

In order to achieve the effects of the above technical solution, the technical solution of the present invention is: a virtual currency mortgage loan method based on a blockchain, which includes the following contents:

The role of a blockchain-based virtual currency mortgage loan method includes: system, purchaser, supplier, mortgage risk fund; system, purchaser, supplier, mortgage risk fund have at least one, wherein one system is the same There is only one mortgage risk fund in time;

The system issues two virtual currency "virtual CNY" and "BTY" on the blockchain. The public key address is address(D), and the ratio of "virtual CNY" to "CNY" is 1:1 and the ratio will never be Fluctuations occur, and the ratio of “BTY” to “CNY” will fluctuate; the purchaser holds a certain number of “BTYs” whose public key address is address(A), and the purchaser will hold the “BTY” as collateral. After giving the system, you can get “virtual CNY” and invest or purchase goods from the supplier; the supplier holds a certain number of goods, and the public key address is address(B); the system keeps the part “BTY” held separately. Used as a mortgage risk fund, when the purchaser's collateral price falls sharply and falls below the value of the “virtual CNY” obtained by the purchaser, the “BTY” in the mortgage risk fund can be used to subsidize the repurchase “virtual CNY”;

If the value of “BTY” is flat or rising, the virtual currency mortgage loan method includes the following steps:

1) The purchaser holds a certain amount of “BTY” and freezes the “BTY” held as a collateral to the system;

2) After the system obtains the frozen "BTY", it issues a certain number of "virtual CNY" to the purchaser;

3) The purchaser uses “virtual CNY” to purchase goods from the supplier;

4) Purchasing to the supplier to redeem "virtual CNY";

5) Purchasing direction system returns "virtual CNY";

6) The system returns the frozen "BTY" to the purchaser;

If the value of “BTY” drops to a certain extent but is not lower than the “virtual CNY” issued by the system to the purchaser, the virtual currency mortgage loan method includes the following steps:

3) The purchaser uses “virtual CNY” to purchase goods from the supplier;

4) When the value of “BTY” drops to a certain extent but is not lower than the “virtual CNY” issued by the system to the purchaser, the system will force the “freeze BTY” to be released and use the unfrozen “freeze BTY” to purchase the system. "Virtual CNY";

5) After the system obtains the “virtual CNY” originally issued to the purchaser, if there is any remaining “BTY”, the remaining “BTY” will be returned to the purchaser;

If the value of “BTY” suddenly drops and is lower than the “virtual CNY” issued by the system to the purchaser, the virtual currency mortgage loan method includes the following steps:

3) The purchaser uses “virtual CNY” to purchase goods from the supplier;

4) When the value of “BTY” suddenly drops and is lower than the “virtual CNY” issued by the system to the purchaser, the system will force the “freeze BTY” to be released and take out some “BTY” from the mortgage risk fund;

5) The system uses the unfrozen “frozen BTY” and the “BTY” in the mortgage risk fund to purchase the “virtual CNY” originally issued to the purchaser. If the “BTY” has remaining, the remaining “BTY” remains. System ownership;

The purchaser purchases the goods from the supplier, and the purchased goods may be virtual coins such as BTC, ETH, ETC, etc., or may be virtual goods or actual goods;

When the procurement direction system mortgage obtains “virtual CNY”, a certain percentage of the handling fee is required;

When the ratio of "the mortgaged virtual CNY" to the "total amount of virtual CNY" is higher than a certain percentage, the mortgage rate increases, wherein the mortgage rate is the ratio of "BTY" to "virtual CNY";

During the period of borrowing “virtual CNY”, the purchaser can obtain the mining interest of some “virtual CNY” borrowed;

When the ratio of the "BTY of the mortgage risk fund" to the "total amount of BTY" is less than a certain percentage, the handling fee increases.

The embodiments will be read in conjunction with the accompanying drawings to understand how to implement a blockchain-based virtual currency mortgage borrowing method using blockchain technology to better understand the above features and advantages of the present invention.

DRAWINGS

1 is a schematic diagram of a virtual currency mortgage loan method based on a blockchain when the value of "BTY" is flat or rising according to the present invention;

2 is a schematic diagram of a virtual currency mortgage loan method based on a blockchain when the value of "BTY" drops to a certain extent but is not lower than the "virtual CNY" issued by the system to the purchaser;

FIG. 3 is a schematic diagram of a blockchain-based virtual currency mortgage loan method when the value of "BTY" suddenly drops sharply and is lower than the "virtual CNY" issued by the system to the purchaser.

Detailed ways

In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more clearly, the present invention will be described in detail below with reference to the embodiments. It should be noted that the specific embodiments described herein are only intended to explain the present invention, and are not intended to limit the invention, and that the products that can achieve the same function are equivalents and modifications, and are included in the scope of the present invention. The specific method is as follows:

Embodiment 1: This embodiment specifically describes a step of a virtual currency mortgage loan method based on a blockchain, as shown in FIG. 1, FIG. 2 and FIG.

As shown in FIG. 1 , when the value of the “BTY” is flat or rising, the method for the virtual currency mortgage loan based on the blockchain in the embodiment mainly includes the following steps:

Step S101: The purchaser holds a certain amount of “BTY” and freezes the held “BTY” as a collateral to the system, that is,

BTY(address(A))>>freezes BTY(address(D));

Step S102: After the system obtains the frozen "BTY", the system issues a certain number of "virtual CNY" to the purchaser, that is,

Virtual CNY (address(D))>>Virtual CNY(address(A));

Step S103: The purchaser purchases the product from the supplier by using “virtual CNY”, that is,

Virtual CNY (address(A))>>Virtual CNY(address(B));

Step S104: the purchaser redeems the "virtual CNY" to the supplier, that is,

Virtual CNY (address(B))>>Virtual CNY(address(A));

Step S105: the procurement direction system returns "virtual CNY", that is,

Virtual CNY (address(A))>>Virtual CNY(address(D));

Step S106: The system returns the frozen "BTY" to the purchaser, that is,

Freeze BTY(address(D))>>BTY(address(A)).

As shown in Figure 2, when the value of "BTY" drops to a certain extent but is not lower than the "virtual CNY" issued by the system to the purchaser, a blockchain-based virtual currency mortgage loan method in this embodiment mainly includes The following steps:

Step S201: The purchaser holds a certain amount of “BTY” and freezes the held “BTY” as a collateral to the system, that is,

BTY(address(A))>>freezes BTY(address(D));

Step S202: After the system obtains the frozen "BTY", the system issues a certain number of "virtual CNY" to the purchaser, that is,

Virtual CNY (address(D))>>Virtual CNY(address(A));

Step S203: The purchaser purchases the product from the supplier by using “virtual CNY”, that is,

Virtual CNY (address(A))>>Virtual CNY(address(B));

Step S204: When the value of "BTY" drops to a certain extent but is not lower than the "virtual CNY" issued by the system to the purchaser, the system will force the "freeze BTY" to be released and use the unfrozen "frozen BTY" purchase system to issue the system. "virtual CNY", ie

Freeze BTY(address(D))>>BTY(address(D)),

BTY(address(D))>>BTY(address(B)),

Virtual CNY (address(B))>>Virtual CNY(address(D))";

Step S205: After the system obtains the “virtual CNY” originally issued to the purchaser, if the “BTY” has remaining, the remaining “BTY” is returned to the purchaser, that is,

Remaining BTY (address(D))>> remaining BTY (address(A)).

As shown in FIG. 3, when the value of "BTY" suddenly drops and is lower than the "virtual CNY" issued by the system to the purchaser, a blockchain-based virtual currency mortgage loan method in this embodiment mainly includes the following steps:

Step S301: The purchaser holds a certain amount of "BTY" and freezes the held "BTY" as a collateral to the system, that is,

BTY(address(A))>>freezes BTY(address(D));

2) After the system obtains the frozen “BTY”, it issues a certain number of “virtual CNY” to the purchaser, ie

Virtual CNY (address(D))>>Virtual CNY(address(A));

3) The purchaser uses “virtual CNY” to purchase goods from the supplier, ie

Virtual CNY (address(A))>>Virtual CNY(address(B));

4) When the value of “BTY” suddenly drops and is lower than the “virtual CNY” issued by the system to the purchaser, the system will force the “freeze BTY” to be released and take out some “BTY” from the mortgage risk fund, ie

Freeze BTY(address(D))>>BTY(address(D)),

BTY (address (D)) + risk fund BTY (address (D)) >> BTY (address (B));

5) The system uses the unfrozen “frozen BTY” and the “BTY” in the mortgage risk fund to purchase the “virtual CNY” originally issued to the purchaser. If the “BTY” has remaining, the remaining “BTY” remains. System ownership, ie

Virtual CNY (address(B))>>virtual CNY(address(D))",

Remaining BTY (address(D))>> remaining BTY (address(D)).

Compared with the prior art, the invention has the beneficial effect of disclosing a virtual currency mortgage borrowing method based on a blockchain. The contract system issues a small virtual currency on the blockchain and a virtual currency equal to the value of the legal currency. The purchaser mortgages the small virtual currency to obtain the virtual currency equal to the value of the legal currency, and then uses the virtual currency equal to the value of the legal currency to invest in other virtual currency. When the purchaser returns the virtual currency with the equivalent value of the legal currency to the system, the system returns the small virtual currency to the purchaser, thereby realizing a blockchain-based virtual currency mortgage loan method.

The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the claims of the present invention. At the same time, the above description should be understood and implemented by those skilled in the art, and other equivalent changes made based on the disclosure of the present invention should be included in the scope of the claims.

Claims

A blockchain-based virtual currency mortgage loan method, characterized in that it comprises the following contents:

A role in a blockchain-based virtual currency mortgage loan method includes: a system, a purchaser, a supplier, a mortgage risk fund; the system, the purchaser, the supplier, and the mortgage risk fund are at least There is one in which one of the systems has only one mortgage risk fund at a time;

The system issues two virtual currency "virtual CNY" and "BTY" on the blockchain, and the public key address is address (D), wherein the ratio of "virtual CNY" to "CNY" is 1:1 and the ratio is always There will be no fluctuations, and the ratio of "BTY" to "CNY" will fluctuate; the purchaser holds a certain number of "BTY" whose public key address is address(A), which the purchaser will hold. BTY" can be used as a collateral mortgage to the system, can obtain "virtual CNY", and invest or purchase goods to the supplier; the supplier holds a certain number of goods, the public key address is address (B); The system stores the portion of the "BTY" held separately as the mortgage risk fund. When the purchaser's collateral price falls sharply and falls below the value of the "virtual CNY" obtained by the purchaser, The "BTY" in the mortgage risk fund can be used to subsidize the repurchase "virtual CNY";

If the value of “BTY” is flat or rising, the virtual currency mortgage loan method includes the following steps:

1) The purchaser holds a certain amount of “BTY” and freezes the held “BTY” as collateral to the system;

2) after the system obtains the frozen "BTY", issue a certain number of "virtual CNY" to the purchaser;

3) the purchaser uses "virtual CNY" to purchase goods from the supplier;

4) the purchase direction redeeming "virtual CNY" by the supplier;

5) The procurement direction returns the system "virtual CNY";

6) the system returns the frozen "BTY" to the purchaser;

If the value of “BTY” drops to a certain extent but is not lower than the “virtual CNY” issued by the system to the purchaser, the virtual currency mortgage loan method includes the following steps:

1) The purchaser holds a certain amount of "BTY" and mortgages the "BTY" held as collateral to the system;

2) after the system obtains the frozen "BTY", issue a certain number of "virtual CNY" to the purchaser;

3) the purchaser uses "virtual CNY" to purchase goods from the supplier;

4) When the value of “BTY” drops to a certain extent but is not lower than the “virtual CNY” issued by the system to the purchaser, the system will force the “freeze BTY” to be unfrozen and use the unfrozen “frozen BTY” purchase The "virtual CNY" issued by the system;

5) After the system obtains the "virtual CNY" originally issued to the purchaser, if there is a surplus of "BTY", the remaining "BTY" is returned to the purchaser;

If the value of “BTY” suddenly drops and is lower than the “virtual CNY” issued by the system to the purchaser, the virtual currency mortgage loan method includes the following steps:

1) The purchaser holds a certain amount of "BTY" and mortgages the "BTY" held as collateral to the system;

2) after the system obtains the frozen "BTY", issue a certain number of "virtual CNY" to the purchaser;

3) the purchaser uses "virtual CNY" to purchase goods from the supplier;

4) When the value of “BTY” suddenly drops and is lower than the “virtual CNY” issued by the system to the purchaser, the system will force the “freeze BTY” to be released and take out part of the “BTY” from the mortgage risk fund. ";

5) The system uses the unfrozen "frozen BTY" to purchase together with the "BTY" from the mortgage risk fund to obtain the "virtual CNY" originally issued to the purchaser. If the "BTY" has remaining, the remaining " BTY" is still owned by the system;
The method of claim 1 comprising:

The purchase direction purchases the commodity from the supplier, and the purchased commodity may be a virtual currency such as BTC, ETH, ETC, or a virtual commodity or an actual commodity;

When the purchasing direction obtains "virtual CNY" from the system mortgage, a certain proportion of the handling fee is required;

When the ratio of "the mortgaged virtual CNY" to the "total amount of virtual CNY" is higher than a certain percentage, the mortgage rate increases, wherein the mortgage rate is the ratio of "BTY" to "virtual CNY";

During the borrowing of the “virtual CNY”, the purchaser may obtain the mining interest of the partially borrowed “virtual CNY”;
The method according to claims 1, 2, characterized in that the fee increases when the ratio of the "BTY of the mortgage risk fund" to the "total amount of the BTY" is less than a certain percentage.