WO2021042810A1

WO2021042810A1 - Asset settlement method and apparatus employing blockchain, and electronic device

Info

Publication number: WO2021042810A1
Application number: PCT/CN2020/096632
Authority: WO
Inventors: 周徽; 祁鹏涛; 陆旭明; 陈锐发
Original assignee: 创新先进技术有限公司
Priority date: 2019-09-05
Filing date: 2020-06-17
Publication date: 2021-03-11
Also published as: CN110717820A

Abstract

An asset settlement method and apparatus employing a blockchain, and an electronic device, which are applicable to a node device in the blockchain. The method comprises: receiving an early settlement transaction for a securitized asset, said early settlement transaction being periodically sent by a client during the duration of the securitized asset, wherein the securitized asset is an asset issued on the blockchain using an underlying asset pool as a value support, the underlying asset pool being created on the basis of underlying assets deposited in the blockchain (502); in response to the early settlement transaction, calling early settlement confirmation logic in a smart contract deployed on the blockchain, and determining whether or not an asset default rate of the underlying assets in the underlying asset pool has reached a preset threshold (504); and if the asset default rate has reached the threshold, further calling early settlement logic in the smart contract, performing early settlement processing on the securitized asset, and configuring the status of the securitized asset as invalid upon completion of the settlement (506).

Description

Block chain-based asset settlement method and device, and electronic equipment

Technical field

One or more embodiments of this specification relate to the field of blockchain technology, in particular to a blockchain-based asset settlement method and device, and electronic equipment.

Background technique

Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices participate in "bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology has been widely used in many fields. To apply.

Summary of the invention

This specification proposes a blockchain-based asset settlement method, which is applied to node devices in the blockchain, and the method includes:

Receive the advance settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein, the securitized asset is the basis to be created based on the basic asset deposited in the blockchain The asset pool serves as the value support for the assets issued on the blockchain;

In response to the advance settlement transaction, call the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold;

If the asset default rate reaches the threshold, the prepayment logic in the smart contract is further invoked, the securitized asset is processed in advance, and after the repayment is over, the securitized asset is set to an invalid state .

Optionally, the pre-payment processing of the securitized assets includes:

Perform sorting processing on the securitized assets based on a preset fee rate;

Based on the result of the clearing, transfer to the investor of the securitized asset.

Optionally, the transferring money to the investor of the securitized asset based on the result of the clearing includes:

Publish the clearing result to the blockchain for deposit, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.

Optionally, the investment account is a custodial account opened at a custodial bank.

Optionally, the setting the securitized asset to an invalid state after the settlement ends includes:

Determining whether to receive the transfer record corresponding to the investment account of the investor of the securitized asset submitted by the banking system;

If the transfer record is received, set the securitized asset to an invalid state; or,

If the transfer record is received, a settlement end event corresponding to the securitized asset is generated, so that when the management party of the securitized asset monitors the settlement end event, it sets the securitized asset to Invalid state.

Optionally, the securitized asset is a bond or a fund; the basic asset is a basic debt asset.

This specification also proposes a blockchain-based asset settlement method, which is applied to node devices in the blockchain, and the method includes:

When the receiving client determines that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold, it triggers an early settlement transaction for securitized assets; wherein, the underlying asset pool is based on the deposit certificate in the blockchain The asset pool created by the basic assets of the; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

In response to the pre-payment transaction, call the pre-payment logic in the smart contract deployed on the blockchain, perform pre-payment processing on the securitized asset, and set the securitized asset after the completion of the repayment Is invalid.

Optionally, the pre-payment processing of the securitized assets includes:

Publish the clearing result to the blockchain for certification, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.

This specification also proposes a block chain-based asset settlement device, which is applied to the node equipment in the block chain, and the device includes:

The receiving module receives the advance settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein, the securitized asset is a basic asset that will be based on the deposit certificate in the blockchain The created basic asset pool serves as value support for the assets issued on the blockchain;

The confirmation module, in response to the advance settlement transaction, invokes the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold;

The settlement module, if the asset default rate reaches the threshold, further invoke the early settlement logic in the smart contract to perform the pre-payment process on the securitized asset, and set the securitized asset after the settlement is over Is invalid.

Optionally, the settlement module:

The receiving module receives the pre-payment transaction for securitization assets triggered by the client when determining that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold; wherein, the underlying asset pool is based on the blockchain An asset pool created by the basic assets of China Deposit Certificate; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

The settlement module, in response to the advance settlement transaction, invokes the advance settlement logic in the smart contract deployed on the blockchain, performs an early settlement process on the securitized assets, and after the settlement ends, transfers the securities The asset is set to invalid state.

Optionally, the settlement module:

This specification also proposes an electronic device, including:

processor;

A memory for storing processor executable instructions;

Wherein, the processor implements the steps of the foregoing method by running the executable instruction.

This specification also proposes a computer-readable storage medium on which computer instructions are stored, characterized in that, when the instructions are executed by a processor, the steps of the above-mentioned method are implemented.

In the above technical solution, the client can periodically send the advance settlement transaction for the securitized assets issued by the management party on the blockchain, so that the node device in the blockchain can call in response to the advance settlement transaction. The smart contract deployed on the blockchain, when it is determined that the asset default rate of the underlying asset in the asset pool supported by the value of the securitization asset reaches the preset threshold, the securitization will be settled in advance, and the securitization will be settled in advance After the end, the securitized asset is set to an invalid state; or, the client can determine that the asset default rate of the underlying asset in the asset pool supported by the value of the securitized asset issued on the blockchain as the management party reaches When the threshold is preset, an early settlement transaction for the securitized asset is triggered, and the node device in the blockchain responds to the early settlement transaction and invokes the smart contract deployed on the blockchain to advance the securitization The settlement process, and after the settlement is completed, the securitized asset is set to an invalid state. In this way, the advance settlement of the securitized assets issued by the management party on the blockchain can be realized, so that the management party can stop losses in time when the underlying assets in the asset pool default.

Description of the drawings

Figure 1 is a schematic diagram of a smart contract creation process shown in this specification;

Figure 2 is a schematic diagram of a call flow of a smart contract shown in this specification;

Figure 3 is a schematic diagram of the creation and invocation process of a smart contract shown in this specification;

Fig. 4 is a schematic diagram of a blockchain-based asset securitization system shown in an exemplary embodiment of this specification;

Fig. 5 is a flowchart of a blockchain-based asset settlement method shown in an exemplary embodiment of this specification;

Fig. 6 is a flowchart of another blockchain-based asset settlement method shown in an exemplary embodiment of the present specification;

FIG. 7 is a schematic structural diagram of an electronic device shown in an exemplary embodiment of this specification;

Fig. 8 is a block diagram of a block chain-based asset clearing device according to an exemplary embodiment of the present specification;

Fig. 9 is a block diagram showing another block chain-based asset clearing device according to an exemplary embodiment of the present specification.

detailed description

The exemplary embodiments will be described in detail here, and examples thereof are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with one or more embodiments of this specification. Rather, they are merely examples of devices and methods consistent with some aspects of one or more embodiments of this specification as detailed in the appended claims.

It should be noted that in other embodiments, the steps of the corresponding method are not necessarily executed in the order shown and described in this specification. In some other embodiments, the method may include more or fewer steps than described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. description.

Block chains are generally divided into three types: Public Blockchain, Private Blockchain and Consortium Blockchain. In addition, there can also be a combination of the above types, such as private chain + consortium chain, consortium chain + public chain, and so on.

Among them, the most decentralized one is the public chain. The public chain is represented by Bitcoin and Ethereum. Participants who join the public chain (also called nodes in the blockchain) can read the data records on the chain, participate in transactions, and compete for the accounting rights of new blocks, etc. . Moreover, each node can freely join or exit the network, and perform related operations.

The private chain is the opposite. The write permission of the network is controlled by an organization or institution, and the data read permission is regulated by the organization. In simple terms, a private chain can be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for internal use by specific institutions.

Consortium chain is a block chain between public chain and private chain, which can realize "partial decentralization". Each node in the alliance chain usually has a corresponding entity or organization; nodes are authorized to join the network and form a stakeholder alliance to jointly maintain the operation of the blockchain.

Based on the basic characteristics of the blockchain, the blockchain is usually composed of several blocks. A time stamp corresponding to the creation time of the block is recorded in these blocks, and all the blocks strictly follow the time stamp recorded in the block to form a time-ordered data chain.

For the real data generated in the physical world, it can be constructed into a standard transaction format supported by the blockchain, and then published to the blockchain, and the node devices in the blockchain will perform consensus processing on the received transactions , And after reaching a consensus, the node device as the bookkeeping node in the block chain will package the transaction into the block and carry out persistent storage in the block chain.

Among them, the consensus algorithms supported in the blockchain can include:

The first type of consensus algorithm, that is, the consensus algorithm that node devices need to compete for the accounting right of each round of accounting cycle; for example, Proof of Work (POW), Proof of Stake (POS), appointment Consensus algorithms such as Delegated Proof of Stake (DPOS);

The second type of consensus algorithm is a consensus algorithm that pre-selects accounting nodes for each round of accounting cycles (without competing for accounting rights); for example, practical Byzantine Fault Tolerance (PBFT) and other consensus algorithms.

In the blockchain network using the first type of consensus algorithm, all node devices that compete for the right to bookkeeping can execute the transaction after receiving the transaction. Among the node devices competing for the right to bookkeeping, one node device may win this round of contention for the right to bookkeeping and become the bookkeeping node. The accounting node can package the received transaction with other transactions to generate the latest block, and send the generated latest block or the block header of the latest block to other node devices for consensus.

In the blockchain network using the second type of consensus algorithm, the node device with the right to book accounts has been agreed before this round of bookkeeping. Therefore, after the node device receives the transaction, if it is not the accounting node of this round, it can send the transaction to the accounting node. For this round of accounting nodes, the transaction can be executed during or before the process of packaging the transaction with other transactions to generate the latest block. After the accounting node generates the latest block, it can send the latest block or the block header of the latest block to other node devices for consensus.

As mentioned above, no matter which consensus algorithm shown above is adopted by the blockchain, the accounting node of this round can package the received transaction to generate the latest block, and the generated latest block or the latest block The header of the block is sent to other node devices for consensus verification. If other node devices receive the latest block or the block header of the latest block, and there is no problem after verification, the latest block can be appended to the end of the original blockchain to complete the accounting process of the blockchain. In the process of other nodes verifying the new block or block header sent by the accounting node, the transactions contained in the block can also be executed.

In the field of blockchain, an important concept is Account; taking Ethereum as an example, Ethereum usually divides accounts into external accounts and contract accounts; external accounts are accounts directly controlled by users, also called It is a user account; while a contract account is an account created by a user through an external account and contains the contract code (ie smart contract). Of course, for some blockchain projects derived from the Ethereum architecture (such as the Ant blockchain), the account types supported by the blockchain can also be further extended, which is not particularly limited in this specification.

For accounts in the blockchain, a structure is usually used to maintain the account status of the account. When the transaction in the block is executed, the state of the account related to the transaction in the blockchain usually changes.

Taking Ethereum as an example, the structure of an account usually includes fields such as Balance, Nonce, Code, and Storage. among them:

The Balance field is used to maintain the current account balance of the account;

The Nonce field is used to maintain the number of transactions in the account; it is a counter used to ensure that each transaction can be processed and can only be processed once, effectively avoiding replay attacks;

The Code field is used to maintain the contract code of the account; in actual applications, the Code field usually only maintains the hash value of the contract code; therefore, the Code field is usually also called the Codehash field.

The Storage field is used to maintain the storage content of the account (the default field value is empty); for contract accounts, an independent storage space is usually allocated to store the storage content of the contract account; the independent storage space is usually Call it the account storage of the contract account. The storage content of the contract account is usually constructed as an MPT (Merkle Patricia Trie) tree and the data structure is stored in the above independent storage space; among them, the MPT tree constructed based on the storage content of the contract account is usually also called the Storage tree . The Storage field usually only maintains the root node of the Storage tree; therefore, the Storage field is usually also called the StorageRoot field.

Among them, for the external account, the field values of the Code field and the Storage field shown above are all null values.

For most blockchain projects, Merkle trees are usually used; or, based on the data structure of Merkle trees, to store and maintain data. Take Ethereum as an example. Ethereum uses the MPT tree (a variant of Merkle tree) as a form of data organization to organize and manage important data such as account status and transaction information.

Ethereum has designed three MPT trees for the data that needs to be stored and maintained in the blockchain, namely the MPT state tree, the MPT transaction tree and the MPT receipt tree. Among them, in addition to the above three MPT trees, there is actually a Storage tree based on the storage content of the contract account.

MPT state tree is an MPT tree organized by the account state data of all accounts in the blockchain; MPT transaction tree is an MPT tree organized by transaction data in the blockchain; MPT receipt tree , Is the MPT tree organized by the receipt of each transaction generated after the transactions in the block are executed. The hash values of the root nodes of the MPT state tree, MPT transaction tree, and MPT receipt tree shown above will all be added to the block header of the corresponding block eventually.

Among them, the MPT transaction tree and the MPT receipt tree correspond to the blocks, that is, each block has its own MPT transaction tree and MPT receipt tree. The MPT state tree is a global MPT tree, which does not correspond to a specific block, but covers the account state data of all accounts in the blockchain.

It should be noted that each time the blockchain generates a newest block, after the transaction in the latest block is executed, the relevant account of the executed transaction in the blockchain (can be an external account or a contract account) The account status of, usually will also change accordingly;

For example, when a "transfer transaction" in the block is executed, the balances of the transferor account and transferee account related to the "transfer transaction" (that is, the field value of the Balance field of these accounts) are usually also Will change accordingly.

After the transaction of the node device in the latest block generated by the blockchain is completed, because the account status in the current blockchain has changed, the node device needs to use the current account status data of all accounts in the blockchain to Construct the MPT state tree to maintain the latest state of all accounts in the blockchain.

That is, whenever a latest block is generated in the blockchain and the transaction in the latest block is executed, the account status in the blockchain changes, and the node device needs to be based on the latest account of all accounts in the blockchain. Reconstruct an MPT state tree based on the account status data of. In other words, each block in the blockchain has a corresponding MPT state tree; the MPT state tree maintains that after the transactions in the block are executed, all accounts in the blockchain are up to date The status of the account.

In practical applications, whether it is a public chain, a private chain or a consortium chain, it is possible to provide the function of a smart contract (Smart contract). Smart contracts on the blockchain are contracts that can be triggered and executed by transactions on the blockchain. Smart contracts can be defined in the form of codes.

Taking Ethereum as an example, it supports users to create and call some complex logic in the Ethereum network. Ethereum is a programmable blockchain, and its core is the Ethereum Virtual Machine (EVM), and each Ethereum node can run the EVM. EVM is a Turing complete virtual machine, through which various complex logic can be realized. Users who publish and call smart contracts in Ethereum run on the EVM. In fact, the EVM directly runs virtual machine code (virtual machine bytecode, hereinafter referred to as "bytecode"), so the smart contract deployed on the blockchain can be bytecode.

As shown in Figure 1, after Bob sends a transaction that contains information to create a smart contract to the Ethereum network, each node can execute the transaction in the EVM. Among them, the From field of the transaction in Figure 1 is used to record the address of the account that initiated the creation of the smart contract, the field value of the Data field of the transaction can be stored as a bytecode, and the field value of the To field of the transaction is a null (empty )’S account. After the nodes reach an agreement through the consensus mechanism, the smart contract is successfully created, and subsequent users can call the smart contract.

After the smart contract is created, a contract account corresponding to the smart contract appears on the blockchain and has a specific address; for example, "0x68e12cf284..." in each node in Figure 1 represents the address of the created contract account ; Contract code (Code) and account storage (Storage) will be stored in the account storage of the contract account. The behavior of the smart contract is controlled by the contract code, and the account storage of the smart contract saves the state of the contract. In other words, smart contracts enable virtual accounts containing contract codes and account storage to be generated on the blockchain.

As mentioned above, the Data field containing the transaction that creates the smart contract can store the bytecode of the smart contract. The bytecode consists of a series of bytes, and each byte can identify an operation. Based on many considerations such as development efficiency and readability, developers can choose a high-level language to write smart contract code instead of directly writing bytecode. For example, high-level languages such as Solidity, Serpent, and LLL languages can be used. For smart contract code written in a high-level language, it can be compiled by a compiler to generate bytecode that can be deployed on the blockchain.

Taking the Solidity language as an example, the contract code written with it is very similar to the class in the object-oriented programming language. A variety of members can be declared in a contract, including state variables, functions, function modifiers, and events. The state variable is a value permanently stored in the account storage (Storage) field of the smart contract, and is used to save the state of the contract.

As shown in Figure 2, still taking Ethereum as an example, after Bob sends a transaction containing information about invoking the smart contract to the Ethereum network, each node can execute the transaction in the EVM. Among them, the From field of the transaction in Figure 4 is used to record the address of the account that initiated the call of the smart contract, the To field is used to record the address of the smart contract being called, and the Data field of the transaction is used to record the method and parameters of calling the smart contract. After calling the smart contract, the account status of the contract account may change. Later, a certain client can view the account status of the contract account through the connected blockchain node (for example, node 1 in Figure 2).

Smart contracts can be executed independently on each node in the blockchain network in a prescribed manner. All execution records and data are stored on the blockchain, so when such transactions are executed, the blockchain cannot be saved. Falsified, non-lost transaction certificate.

The schematic diagram of creating a smart contract and invoking a smart contract is shown in Figure 3. To create a smart contract in Ethereum, you need to go through the process of writing a smart contract, turning it into bytecode, and deploying it to the blockchain. Invoking a smart contract in Ethereum is to initiate a transaction pointing to a smart contract address. The EVM of each node can execute the transaction separately, and the smart contract code can be distributed in the virtual machine of each node in the Ethereum network.

Traditional blockchain projects represented by Ethereum usually support the conversion of real-world currencies into virtual tokens that can be circulated on the chain in order to achieve "value transfer" on the blockchain.

In the blockchain field, some blockchain projects derived from the Ethereum architecture (such as the Ant blockchain) usually no longer support the conversion of real-world currencies into virtual tokens that can be circulated on the chain. Instead, in these blockchain projects, some non-monetary physical assets in the real world can be transformed into virtual assets that can be circulated on the blockchain.

Among them, it needs to be explained that the conversion of physical assets with non-monetary attributes in the real world into virtual assets on the blockchain usually refers to "anchoring" the physical assets with virtual assets on the blockchain, as The value support of these virtual assets, in turn, produces a process of virtual assets that match the value of physical assets on the blockchain and can circulate between blockchain accounts on the blockchain.

In the implementation, the account types supported by the blockchain can be expanded. On the basis of the account types supported by the blockchain, an asset account (also called an asset object) can be expanded; for example, it can be used in Ethereum On the basis of the supported external accounts and contract accounts, an asset account is expanded; the expanded asset account means that non-monetary physical assets in the real world can be used as value support, and can be used in the blockchain Virtual assets circulating between accounts.

For users accessing this type of blockchain, in addition to completing the creation of user accounts and smart contracts on the blockchain, a value matching the real-world non-monetary physical assets can be created on the blockchain. Of virtual assets, circulate on the blockchain;

For example, users can convert non-monetary physical assets such as real estate, stocks, loan contracts, bills, accounts receivable, etc., into virtual assets with matching value to circulate on the blockchain.

Among them, for the above asset account, a structure can also be used to maintain the account status of the account. The content contained in the structure of the above asset account can be the same as that of Ethereum, of course, it can also be designed based on actual needs;

In an implementation manner, taking the content contained in the structure of the asset account is the same as that of Ethereum as an example, the structure of the asset account may also include the fields of Balance, Nonce, Code, and Storage described above.

It should be noted that in Ethereum, the Balance field is usually used to maintain the current account balance of the account; and for blockchain projects derived from the Ethereum architecture, it may not support real-world Currency is converted into virtual tokens that can be circulated on the chain. Therefore, in this type of blockchain, the meaning of the Balance field can be expanded. It no longer represents the "balance" of the account, but is used to maintain the "balance" of the account. The address information of the asset account corresponding to the “virtual asset”. Among them, in practical applications, the Balance field can maintain address information of asset accounts corresponding to multiple “virtual assets”.

In this case, the external accounts, contract accounts and asset accounts shown above can all be held by adding the address information of the asset account corresponding to the "virtual asset" that needs to be held in the Balance field to hold this virtual asset . That is, in addition to external accounts and contract accounts, the asset account itself can also hold virtual assets.

For asset accounts, the field value of the Nonce and Code fields can be empty (or not empty); the field value of the Storage field can no longer be empty; the Storage field can be used to maintain the corresponding asset account The asset status of the "virtual asset". Among them, the specific method of maintaining the asset status of the "virtual asset" corresponding to the asset account in the Storage field can be flexibly designed based on requirements, and will not be repeated.

In the blockchain project derived from the architecture of Ethereum, users can create a virtual asset on the blockchain that matches the value of the real-world non-monetary physical asset through the implementation shown below:

In one implementation, the transaction types supported by the blockchain can be extended to expand a transaction for creating virtual assets; for example, the transaction types supported by Ethereum usually include ordinary transfer transactions and smart contract creation. For transactions and transactions that call smart contracts, on the basis of the above three types of transactions, a transaction for creating virtual assets can be expanded.

In this case, the user can publish a transaction for creating virtual assets to the blockchain network through the client, and the node device in the blockchain executes the transaction in the local EVM to provide the user with Create virtual assets. After each node device reaches an agreement through the consensus mechanism, the virtual asset is successfully created, and an asset account corresponding to the virtual asset appears on the blockchain and has a specific address.

In another implementation manner, a smart contract for creating virtual assets can also be deployed on the blockchain; wherein, the process of deploying a smart contract for creating virtual assets will not be repeated.

In this case, the user can publish a transaction for invoking the smart contract to the blockchain network through the client, and the node device in the blockchain will execute the transaction in the local EVM, and the transaction will be executed in the EVM. Run the contract code related to the smart contract to create virtual assets for the user. After each node device reaches an agreement through the consensus mechanism, the virtual asset is successfully created, and an asset account corresponding to the virtual asset appears on the blockchain and has a specific address.

Of course, for some blockchain projects derived from the architecture of Ethereum, if they also support the function of converting real-world currencies into virtual tokens that can be circulated on the chain, they can still convert some of the real-world currencies. The physical assets of non-monetary attributes are transformed into the form of virtual tokens that can be circulated on the blockchain and circulated on the blockchain, which will not be repeated in this manual.

In the cross-chain scenario, multiple blockchains can achieve cross-chain docking through cross-chain relays.

Among them, the cross-chain relay can be connected to multiple blockchains through the bridge interface, and based on the implemented data handling logic, the cross-chain data synchronization between the multiple blockchains can be completed.

The cross-chain technology used in the implementation of the above-mentioned cross-chain relay is not particularly limited in this specification; for example, in practical applications, multiple blocks can be combined through cross-chain mechanisms such as side-chain technology and notary technology. The chains are connected.

When multiple blockchains are connected through cross-chain relays, the blockchains can read and authenticate data on other blockchains, and they can also call deployments on other blockchains through cross-chain relays. Smart contract.

The smart contract deployed on the blockchain can not only use the data stored on the blockchain, but also use the Oracle oracle to refer to the data on the data entity outside the chain to realize the smart contract and the real-world data entity Data exchange between. Data entities outside the chain may include centralized servers or data centers deployed outside the chain, and so on.

Among them, unlike cross-chain relay, the function of Oracle Oracle is not to synchronize data on one blockchain to another blockchain, but to synchronize data on data entities outside the chain to blocks. On the chain

That is, the cross-chain relay is used to connect two blockchains, and the Oracle oracle is used to connect the blockchain with data entities outside the chain to realize the data interaction between the blockchain and the real world.

Please refer to FIG. 4, which is a schematic diagram of a blockchain-based asset securitization system according to an exemplary embodiment of this specification.

Asset securitization refers to the process of using the cash flow generated by the underlying assets as the repayment support, through the structured design for credit enhancement, and the issuance of asset-backed securities (Asset-Backed Securities, ABS) on this basis; Asset portfolio or specific cash flow is a form of financing to support the issuance of tradable securities.

In a nutshell, the basic process of a complete securitization financing usually includes: the initiator (that is, the original equity holder) can sell the securitable basic assets to the manager, or the manager can actively purchase the securitable basic assets ; Then the management party can integrate these basic assets into the basic asset pool (Assets Pool), and then use the cash flow generated by the basic asset pool as the reimbursement support to issue securities in the financial market for financing; finally, the basic asset can be used The cash flow generated by the pool is used to pay off the securities issued.

Among them, the management party may be a Special Purpose Vehicle (SPV).

In the block chain-based asset securitization system shown in Figure 4, the original stakeholders can publish their basic assets to the blockchain for evidence, and the management party can purchase these from the original stakeholders. Basic assets, and these basic assets deposited in the blockchain are integrated into a basic asset pool, that is, a basic asset pool is created based on these basic assets.

Specifically, the manager can create a basic asset pool based on these basic assets by invoking the smart contract deployed on the blockchain. In this case, the basic asset pool may be a collection of selected basic asset identifiers generated by the smart contract. The set can be stored in the account storage space (for example: Storage field) of the contract account corresponding to the smart contract, or can be stored in the account storage space of the blockchain account of the manager.

Subsequently, the manager can use the basic asset pool as value support to issue securitized assets on the blockchain, that is, the future cash flow generated by the underlying asset pool will be used as payment support to issue securitized assets.

Among them, the basic asset can be a basic debt asset (for example: accounts receivable); the securitized asset can be ABS (for example: bonds or funds); the management party uses the basic asset pool as value support on the blockchain The process of issuing securitized assets can refer to the aforementioned process of creating virtual assets on the blockchain, which will not be repeated here in this manual.

Investors can purchase the securitized assets by paying a certain amount of funds to the management party. The management party can use the funds paid by the investors to invest again to obtain the corresponding cash flow, which can be regarded as the cash flow generated by the basic asset pool. On the other hand, the management party can use the cash flow for settlement processing, that is, pay a certain amount of funds from the cash flow to the investor according to the pre-arranged rate with the investor, as the acquisition of the securitized asset Income.

For example, suppose that the amount of funds paid by the investor to purchase the securitized assets issued by the management party is 10,000 yuan, and the management party and the investor have agreed on the rate of 3.65% (annualized rate of return) for the securitized assets. Then the management party can pay the investor 1 yuan a day as the return from the investor's purchase of the securitized asset.

Please refer to FIG. 5, which is a flowchart of a blockchain-based asset settlement method shown in an exemplary embodiment of this specification. The blockchain-based asset settlement method can be applied to the electronic equipment added to the blockchain as a node device in the blockchain-based asset securitization system shown in Figure 4; wherein, the electronic equipment can be a server, a computer , Mobile phones, tablet devices, notebook computers, handheld computers (PDAs, Personal Digital Assistants), etc., this manual does not limit this. The blockchain-based asset settlement method can include the following steps:

Step 502: Receive an early settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein the securitized asset is a basic asset that will be based on the deposit certificate in the blockchain The created basic asset pool serves as value support for the assets issued on the blockchain;

Step 504: In response to the advance settlement transaction, call the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold;

Step 506: If the asset default rate reaches the threshold, further call the early settlement logic in the smart contract to perform an early settlement process on the securitized asset, and after the settlement is over, set the securitized asset Is invalid.

In practical applications, if the underlying assets in the above-mentioned basic asset pool are in default, for example, the accounts receivable as the basic asset in the fund pool are overdue and have not been collected. In this case, in order to stop the loss in time, The management party can perform early settlement.

In this embodiment, the client can use the basic asset pool as the value support on the management side to periodically construct an advance settlement transaction for the securitized asset during the duration of the securitized asset issued on the above-mentioned blockchain. , And publish the advance settlement transaction to the blockchain for deposit.

Among them, the client can be a client used by the manager, that is, a client running on an electronic device used by the manager; or, the client can also be a client used by other related parties such as investors. This manual does not restrict this.

With reference to the aforementioned process of persisting the evidence data in the blockchain, the node device in the blockchain can receive the advance settlement transaction and perform consensus processing on the advance settlement transaction. After reaching a consensus, the node device in the blockchain can package the advance settlement transaction into a block, and perform persistent storage in the blockchain.

For the advance settlement transaction packaged in the block, the node device in the blockchain can execute the advance settlement transaction, that is, in response to the advance settlement transaction, call the advance statement declared in the smart contract deployed on the blockchain The logic of settlement confirmation is to confirm the settlement of the securitized asset in advance.

Among them, the early settlement confirmation logic can specifically be the program code (for example: some callable program methods or functions) declared in the smart contract and related to the execution logic of the advance settlement confirmation of the securitized assets; create and The process of invoking the smart contract can refer to the foregoing creation and invoking process of the smart contract, which will not be repeated in this specification.

In practical applications, it is possible to realize the advance settlement confirmation of the securitized assets by determining whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold.

Wherein, the threshold value can be preset by a technician, or it can be a default default value, which is not limited in this specification.

For an underlying asset in the underlying asset pool, if the underlying asset is in default, the client can construct a default transaction corresponding to the underlying asset based on the default data of the underlying asset, and combine the default transaction Publish to the blockchain for storage.

Among them, the default data can include the identification of the underlying asset, the reason for default, the date of default, and other data; the process of publishing the default transaction to the blockchain for certification can refer to the aforementioned persistent certification data in the blockchain. The process, this manual will not repeat it here.

For example, suppose that the latest collection date of an account receivable as an underlying asset in the underlying asset pool is August 20, 2019. If the account receivable is still not received on August 21, 2019 Payment, it can be determined that the account receivable has defaulted. At this point, the client can construct a default transaction corresponding to the account receivable based on the identification of the account receivable, the reason for default (the account is overdue and uncollected), the date of default (August 21, 2019), etc. , And publish the default transaction to the blockchain for evidence.

In this case, you can find the default data corresponding to a certain basic asset in the blockchain to determine whether the basic asset is in default. For example, it can be based on the identity of the basic asset. Search for the default data corresponding to the identifier, and determine whether the underlying asset is in default based on the search result. That is, if the default data corresponding to the underlying asset is found in the blockchain, it can be determined that the underlying asset is in default; accordingly, if the underlying asset is not found in the blockchain Default data, it can be determined that the underlying asset is not in default.

In practical applications, the default status of each basic asset in the asset pool can also be stored in the account storage space of the contract account corresponding to the smart contract, or the account storage space of the manager's blockchain account, for example: The corresponding relationship between the identifier of each basic asset in the asset pool and the default status is stored. It should be noted that the default status is initially non-default. When a default transaction corresponding to the underlying asset is received, the default status can be updated to defaulted.

In this case, you can determine whether the underlying asset is in default by querying the default status corresponding to a certain underlying asset. That is, if the default status corresponding to the underlying asset is in default, it can be determined that the underlying asset has a default situation; accordingly, if the default status corresponding to the underlying asset is not in default, it can be determined that the underlying asset has not occurred Breach of contract.

For the underlying asset pool, the asset default rate of the underlying assets in the underlying asset pool can be the ratio of the underlying assets in the underlying asset pool that have defaulted to the total underlying assets, that is, the asset default rate = the basis for the default Assets ÷ all assets. If the default rate of the asset reaches the threshold, it can be considered that the securitized asset needs to be paid in advance; accordingly, if the default rate of the asset does not reach the threshold, it can be considered that the securitized asset does not need to be paid in advance. .

For example, suppose the threshold is 10%, and the basic asset pool includes 20 basic assets; further assuming that 2 basic assets in these basic assets are in default, then due to the asset default rate of the basic assets in the basic asset pool =2÷20×100%=10%, the threshold has been reached, so it can be considered that the securitization asset needs to be paid off in advance.

After determining that the securitized asset needs to be repaid in advance, the node device in the blockchain can further call the early repayment logic in the smart contract to perform the pre-paid repayment process on the securitized asset, and after the end of the repayment , Set the securitized asset to an invalid state.

Wherein, the pre-payment logic may specifically be program code (for example, some callable program methods or functions) related to the execution logic of the pre-payment processing of the securitized assets declared in the smart contract.

It should be noted that the smart contract described above for pre-repayment confirmation of securitized assets and the smart contract used for pre-payment processing of securitized assets can be integrated into a smart contract to be executed on the blockchain Deployment can also be used as two different smart contracts to be deployed on the blockchain, which is not limited in this manual.

In the illustrated embodiment, the above-mentioned securitized assets may be sorted based on a preset fee rate, and then based on the sorting result, the funds are transferred to the investors of the securitized assets to realize the securitized assets. The early settlement process.

That is, it is possible to first calculate the amount that the management party needs to transfer to the investor based on the pre-arranged rate with each investor of the securitized asset, and then transfer to the investor based on the amount.

Specifically, for a certain investor, the node device in the blockchain can calculate the investment according to the pre-arranged fee rate between the manager and the investor, and the remaining maturity time of the securitized assets purchased by the investor The person’s residual income can then be calculated as the sum of the residual income and the amount of funds paid by the investor to purchase the securitized asset. At this time, the calculated sum of the amount is the amount that the manager needs to transfer to the investor.

For example, suppose an investor purchased the securitized asset on August 10, 2019, and the maturity period is 1 year (that is, the securitized asset purchased by the investor will expire on August 9, 2020) , And the amount of funds paid by the investor to purchase the securitized asset is 10,000 yuan; further assume that the manager and an investor have agreed on a rate of 3.65% (annualized rate of return) for the securitized asset. If it is determined on August 30, 2019 that the securitized asset needs to be paid in advance, the node device in the blockchain can determine that the remaining maturity of the securitized asset purchased by the investor is 345 days, so it can Calculate the amount of the investor’s residual income=1 yuan/day×345 days=345 yuan, and then calculate the amount that the manager needs to transfer to the investor=10,000 yuan+345 yuan=10345 yuan.

Subsequently, the node device in the blockchain can transfer money to the investor based on the calculated amount that the manager needs to transfer to the investor.

In the illustrated embodiment, the node device in the above-mentioned blockchain can publish the above-mentioned sorting result to the blockchain for deposit; the banking system can monitor the data deposited in the blockchain, In this way, the sorting result can be monitored. When the banking system monitors the result of the settlement, it can transfer funds from the investment account of the manager of the aforementioned securitized asset to the investment account of the investor of the securitized asset based on the amount in the result of the settlement. The amount that needs to be transferred to the investor is transferred from the investment account of the management party to the investment account of the investor.

In practical applications, the investment account may be a custody account opened by the manager or investor in the custodian bank to which the banking system belongs.

In the illustrated embodiment, after the banking system completes the transfer from the manager’s investment account to the investor’s investment account, the bank system can send a payment to the above-mentioned blockchain according to the address of the contract account corresponding to the above-mentioned smart contract in the above-mentioned blockchain. The above-mentioned smart contract submits the transfer record corresponding to the investment account of the investor.

When the smart contract receives the transfer record, it can set the aforementioned securitized asset to an invalid state in the account storage space of the contract account corresponding to the smart contract, that is, the subsequent securitized asset can no longer be circulated in the financial market .

Or, when the smart contract receives the transfer record, it can generate a settlement end event corresponding to the securitized asset, and publish the settlement end event to the blockchain for deposit; the management party of the securitized asset can The data stored in the blockchain is monitored, so that the settlement end event can be monitored. When the management party monitors the end of the repayment event, it can set the securitized asset maintained by it to an invalid state, that is, the securitized asset can no longer be circulated in the financial market.

In the above technical solution, the client can periodically send the advance settlement transaction for the securitized assets issued by the management party on the blockchain, so that the node device in the blockchain can call in response to the advance settlement transaction. The smart contract deployed on the blockchain, when it is determined that the asset default rate of the underlying asset in the asset pool supported by the value of the securitization asset reaches a preset threshold, the securitization will be settled in advance, and the securitization will be settled in advance. After the end, set the securitized asset to an invalid state. In this way, the advance settlement of the securitized assets issued by the management party on the blockchain can be realized, so that the management party can stop losses in time when the underlying assets in the asset pool default.

Please refer to FIG. 6, which is a flowchart of another blockchain-based asset settlement method shown in an exemplary embodiment of this specification. The blockchain-based asset settlement method can be applied to the electronic equipment added to the blockchain as a node device in the blockchain-based asset securitization system shown in Figure 4; wherein, the electronic equipment can be a server, a computer , Mobile phones, tablet devices, notebook computers, handheld computers (PDAs, Personal Digital Assistants), etc., this manual does not limit this. The blockchain-based asset settlement method can include the following steps:

Step 602: Receive an early settlement transaction for securitized assets triggered by the client when determining that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold; wherein, the underlying asset pool is based on the blockchain An asset pool created by the basic assets of China Deposit Certificate; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

Step 604: In response to the pre-payment transaction, call the pre-payment logic in the smart contract deployed on the blockchain to perform pre-payment processing on the securitized assets, and after the completion of the settlement, transfer the securities The chemical asset is set to an invalid state.

In this embodiment, the client terminal can monitor in real time whether the asset default rate of the basic assets in the above-mentioned basic asset pool reaches a preset threshold.

If the asset default rate of the underlying assets in the underlying asset pool reaches the threshold, the client can construct an early settlement transaction for the aforementioned securitized assets, and publish the early settlement transaction to the blockchain for deposit certification.

For the advance settlement transaction packaged in the block, the node device in the blockchain can execute the advance settlement transaction, that is, in response to the advance settlement transaction, call the advance settlement in the smart contract deployed on the blockchain Logically, the securitized asset is paid off in advance, and after the repayment is completed, the securitized asset is set to an invalid state.

Among them, the pre-payment logic may specifically be the program code (for example: some callable program methods or functions) declared in the smart contract and related to the execution logic of the pre-payment processing of the securitized assets; create and call The process of the smart contract can refer to the process of creating and invoking the aforementioned smart contract, which will not be repeated in this specification.

For the specific implementation method of each step in this embodiment, reference may be made to the embodiment shown in FIG. 5, which will not be repeated in this specification.

In the above technical solution, the client can trigger the security against the security when it determines that the asset default rate of the underlying asset in the asset pool supported by the value of the securitized asset issued on the blockchain as the manager reaches the preset threshold. For the advance settlement transaction of chemical assets, the node device in the blockchain responds to the advance settlement transaction and invokes the smart contract deployed on the blockchain to perform the advance settlement processing of the securitization, and after the settlement ends, Set the securitized asset to an invalid state. In this way, the advance settlement of the securitized assets issued by the management party on the blockchain can be realized, so that the management party can stop losses in time when the underlying assets in the asset pool default.

Corresponding to the foregoing embodiment of the blockchain-based asset settlement method, this specification also provides an embodiment of the blockchain-based asset settlement device.

The embodiments of this specification based on the blockchain-based asset settlement device can be applied to electronic equipment. The device embodiments can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory through the processor of the electronic device where it is located. From a hardware perspective, as shown in Figure 7, it is a hardware structure diagram of the electronic equipment where the blockchain-based asset settlement device of this specification is located, except for the processor, memory, network interface, and non-transitory In addition to the lossy memory, the electronic device in which the device is located in the embodiment usually depends on the actual function of the blockchain-based asset settlement, and may also include other hardware, which will not be repeated here.

Please refer to FIG. 8, which is a block diagram of a block chain-based asset clearing device according to an exemplary embodiment of this specification. The block chain-based asset clearing device 80 can be applied to the electronic device shown in FIG. 7, and the electronic device can be added to the block chain as a node device; the block chain-based asset clearing device 80 can include:

The receiving module 801, which receives the advance settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein, the securitized asset is a basis that will be based on the deposit certificate in the blockchain The basic asset pool created by the asset serves as the value support for the assets issued on the blockchain;

The confirmation module 802, in response to the advance settlement transaction, invokes the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold ；

The liquidation module 803, if the asset default rate reaches the threshold, further invoke the early liquidation logic in the smart contract to perform an early liquidation process on the securitized asset, and after the liquidation is over, the securitized asset Set to an invalid state.

In this embodiment, the settlement module 803:

In this embodiment, the investment account is a custodial account opened at a custodial bank.

In this embodiment, the settlement module 803:

In this embodiment, the securitized asset is a bond or a fund; the basic asset is a basic debt asset.

Please refer to FIG. 9, which is a block diagram of another block chain-based asset clearing device according to an exemplary embodiment of this specification. The block chain-based asset clearing device 90 can be applied to the electronic equipment shown in FIG. 7, and the electronic device can be added to the block chain as a node device; the block chain-based asset clearing device 90 can include:

The receiving module 901 is configured to receive an early settlement transaction for securitized assets triggered by the client when determining that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold; wherein, the underlying asset pool is based on the block An asset pool created by the basic assets of the certificate in the chain; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

The settlement module 902, in response to the pre-payment transaction, invokes the pre-payment logic in the smart contract deployed on the blockchain, performs pre-payment processing on the securitized assets, and after the completion of the settlement, transfers the The securitized asset is set to an invalid state.

In this embodiment, the settlement module 902:

For the implementation process of the functions and roles of each module in the above-mentioned device, please refer to the implementation process of the corresponding steps in the above-mentioned method for details, which will not be repeated here.

For the device embodiment, since it basically corresponds to the method embodiment, the relevant part can refer to the part of the description of the method embodiment. The device embodiments described above are merely illustrative, and the modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, they may be located in One place, or it can be distributed to multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.

The systems, devices, modules, or units explained in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. The specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email receiving and sending device, and a game control A console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical configuration, the computer includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory in a computer readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, disk storage, quantum memory, graphene-based storage media or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or they also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims may be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms "a", "said" and "the" used in one or more embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" as used herein refers to and includes any or all possible combinations of one or more associated listed items.

It should be understood that although the terms first, second, third, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to determination".

The foregoing descriptions are only preferred embodiments of one or more embodiments of this specification, and are not intended to limit one or more embodiments of this specification. All within the spirit and principle of one or more embodiments of this specification, Any modification, equivalent replacement, improvement, etc. made should be included in the protection scope of one or more embodiments of this specification.

Claims

A blockchain-based asset settlement method, the method is applied to node devices in the blockchain, and the method includes:

Receive the advance settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein, the securitized asset is the basis to be created based on the basic asset deposited in the blockchain The asset pool serves as the value support for the assets issued on the blockchain;

In response to the advance settlement transaction, call the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold;

If the asset default rate reaches the threshold, the prepayment logic in the smart contract is further invoked, the securitized asset is processed in advance, and after the repayment is over, the securitized asset is set to an invalid state .
The method according to claim 1, wherein the pre-payment processing of the securitized assets includes:

Perform sorting processing on the securitized assets based on a preset fee rate;

Based on the result of the clearing, transfer to the investor of the securitized asset.
The method according to claim 2, wherein the transferring money to the investor of the securitized asset based on the result of the sorting comprises:

Publish the clearing result to the blockchain for certification, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.
The method according to claim 3, wherein the investment account is a custodial account opened in a custodial bank.
The method according to claim 1, wherein the setting the securitized asset to an invalid state after the end of repayment includes:

Determining whether to receive the transfer record corresponding to the investment account of the investor of the securitized asset submitted by the banking system;

If the transfer record is received, set the securitized asset to an invalid state; or,

If the transfer record is received, a settlement end event corresponding to the securitized asset is generated, so that when the management party of the securitized asset monitors the settlement end event, it sets the securitized asset to Invalid state.
The method according to claim 1, wherein the securitized asset is a bond or a fund; and the basic asset is a basic debt asset.
A blockchain-based asset settlement method, the method is applied to node devices in the blockchain, and the method includes:

When the receiving client determines that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold, it triggers an early settlement transaction for securitized assets; wherein, the underlying asset pool is based on the deposit certificate in the blockchain The asset pool created by the basic assets of the; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

In response to the pre-payment transaction, call the pre-payment logic in the smart contract deployed on the blockchain, perform pre-payment processing on the securitized asset, and set the securitized asset after the completion of the repayment Is invalid.
The method according to claim 7, wherein the pre-payment processing of the securitized assets includes:

Perform sorting processing on the securitized assets based on a preset fee rate;

Based on the result of the clearing, transfer to the investor of the securitized asset.
The method according to claim 8, wherein the transferring money to the investor of the securitized asset based on the result of the sorting comprises:

Publish the clearing result to the blockchain for certification, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.
The method according to claim 9, wherein the investment account is a custodial account opened in a custodial bank.
The method according to claim 7, wherein the setting the securitized asset to an invalid state after the end of the repayment includes:

Determining whether to receive the transfer record corresponding to the investment account of the investor of the securitized asset submitted by the banking system;

If the transfer record is received, set the securitized asset to an invalid state; or,

If the transfer record is received, a settlement end event corresponding to the securitized asset is generated, so that when the management party of the securitized asset monitors the settlement end event, it sets the securitized asset to Invalid state.
The method according to claim 7, wherein the securitized asset is a bond or a fund; and the basic asset is a basic debt asset.
A block chain-based asset clearing device, the device is applied to the node equipment in the block chain, and the device includes:

The receiving module receives the advance settlement transaction for the securitized asset periodically sent by the client during the duration of the securitized asset; wherein, the securitized asset is a basic asset that will be based on the deposit certificate in the blockchain The created basic asset pool serves as value support for the assets issued on the blockchain;

The confirmation module, in response to the advance settlement transaction, invokes the advance settlement confirmation logic in the smart contract deployed on the blockchain to determine whether the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold;

The settlement module, if the asset default rate reaches the threshold, further invoke the early settlement logic in the smart contract to perform the pre-payment process on the securitized asset, and set the securitized asset after the settlement is over Is invalid.
The device according to claim 13, the repayment module:

Perform sorting processing on the securitized assets based on a preset fee rate;

Based on the result of the clearing, transfer to the investor of the securitized asset.
The device according to claim 14, the repayment module:

Publish the clearing result to the blockchain for certification, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.
The device according to claim 15, wherein the investment account is an escrow account opened in a custodial bank.
The device according to claim 13, the repayment module:

Determining whether to receive the transfer record corresponding to the investment account of the investor of the securitized asset submitted by the banking system;

If the transfer record is received, set the securitized asset to an invalid state; or,

If the transfer record is received, a settlement end event corresponding to the securitized asset is generated, so that when the management party of the securitized asset monitors the settlement end event, it sets the securitized asset to Invalid state.
The device according to claim 13, wherein the securitized asset is a bond or a fund; and the basic asset is a basic debt asset.
A block chain-based asset clearing device, the device is applied to the node equipment in the block chain, and the device includes:

The receiving module receives the pre-payment transaction for securitization assets triggered by the client when determining that the asset default rate of the underlying assets in the underlying asset pool reaches a preset threshold; wherein, the underlying asset pool is based on the blockchain An asset pool created by the basic assets of China Deposit Certificate; the securitized assets are assets issued on the blockchain using the basic asset pool as value support;

The settlement module, in response to the advance settlement transaction, invokes the advance settlement logic in the smart contract deployed on the blockchain, performs an early settlement process on the securitized assets, and after the settlement ends, transfers the securities The chemical asset is set to an invalid state.
The device according to claim 19, the repayment module:

Perform sorting processing on the securitized assets based on a preset fee rate;

Based on the result of the clearing, transfer to the investor of the securitized asset.
The device according to claim 20, the repayment module:

Publish the clearing result to the blockchain for certification, so that when the banking system monitors the clearing result, based on the amount in the clearing result, from the investment of the management party of the securitized asset Account, to transfer money to the investment account of the investor of the securitized asset.
The device according to claim 21, wherein the investment account is a custodial account opened in a custodial bank.
The device according to claim 19, the repayment module:

Determining whether to receive the transfer record corresponding to the investment account of the investor of the securitized asset submitted by the banking system;

If the transfer record is received, set the securitized asset to an invalid state; or,

If the transfer record is received, a settlement end event corresponding to the securitized asset is generated, so that when the management party of the securitized asset monitors the settlement end event, it sets the securitized asset to Invalid state.
The device according to claim 19, wherein the securitized asset is a bond or a fund; and the basic asset is a basic debt asset.
An electronic device including:

processor;

A memory for storing processor executable instructions;

Wherein, the processor executes the executable instructions to implement the steps of the method according to any one of claims 1 to 6.
An electronic device including:

processor;

A memory for storing processor executable instructions;

Wherein, the processor implements the steps of the method according to any one of claims 7 to 12 by running the executable instructions.
A computer-readable storage medium having computer instructions stored thereon, characterized in that, when the instructions are executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.
A computer-readable storage medium having computer instructions stored thereon, characterized in that, when the instructions are executed by a processor, the steps of the method according to any one of claims 7 to 12 are realized.