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Online pledge asset compensation system and method through offline settlement

An asset and pledge technology, which is applied in the field of pledge asset settlement system on the chain, can solve problems such as lack, transaction risk, and inability to support repayment pledge asset settlement, etc., to achieve flexible implementation methods, reduce transaction risks, and meet transaction needs.

Pending Publication Date: 2019-12-27
孟江华
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] (1) The existing blockchain can only simply complete the operation of transferring digital assets on the chain, and cannot meet the transaction needs in the real environment. It lacks the pledge financing of digital assets on the chain, and the borrower of the transaction is within the repayment period The process of repayment of pledged assets on the chain due to failure to pay off the arrears
[0006] (2) Lack of ability to operate the pledged assets on the chain, and thus also lack the ability to process the pledged assets on the chain when the borrower owes money, as well as the protection of the pledged asset processing process on the chain, and there are transaction risks
[0007] (3) Lack of interactive capabilities for off-chain operations, all operations can only be completed on a closed chain, unable to support the process of repayment off the chain and liquidation of pledged assets on the chain, and unable to control the transaction risk of the entire process

Method used

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  • Online pledge asset compensation system and method through offline settlement
  • Online pledge asset compensation system and method through offline settlement
  • Online pledge asset compensation system and method through offline settlement

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 2

[0051] Embodiment 2: Both parties to the transaction need to do some preparatory work before the transaction, such as logging into their respective asset application terminal systems, querying their respective on-chain assets, etc. In Embodiment 2, both the borrower and the lender can obtain the pledged asset information corresponding to the lender's asset account book address through their asset application terminal system. The specific implementation is as follows:

[0052] image 3 It is a schematic diagram of the main process of asset liquidation through the on-chain pledge asset liquidation system of off-chain settlement in Embodiment 2 of the present invention. Such as image 3 As shown, the main process of asset liquidation through the on-chain pledged asset liquidation system for off-chain settlement in Embodiment 2 of the present invention includes the following steps:

[0053] Step S301: The borrower accesses the borrower's asset application terminal system instal...

Embodiment 3

[0062] Embodiment 3: Since the payment voucher provided by the borrower can also be used as the smart contract execution layer module to execute the trigger condition of the smart contract in the pledged asset repayment instruction, so in the third embodiment, the borrower initiates the pledged asset repayment instruction as an example. The method for repaying pledged assets on the chain through off-chain settlement in the embodiment will be described. The specific implementation is as follows:

[0063] Figure 4 It is a schematic diagram of the main process of asset liquidation through the on-chain pledge asset liquidation system of off-chain settlement in Embodiment 3 of the present invention. Such as Figure 4As shown, in Embodiment 3 of the present invention, the main process of asset liquidation through the on-chain pledge asset liquidation system of off-chain settlement, Step S401 to Step S403 in Embodiment 3 is the same as Step S301 to Step S303 in Embodiment 2. I wo...

Embodiment 4

[0077] Embodiment 4: After Step S309 in Embodiment 2 and Step S408 in Embodiment 3 are executed, the borrower can query the on-chain asset information returned by the pledge through its asset application terminal system, and the lender can use its asset application terminal The system queries the on-chain asset information of the pledge settlement to confirm the end of the financing settlement. The specific implementation process is as follows:

[0078] Image 6 It is a schematic diagram of the main process for querying pledged return assets and pledged repayment assets through the on-chain pledged asset settlement system of off-chain settlement in Embodiment 4 of the present invention. Such as Image 6 As shown, the main process of querying pledged return assets and pledged settlement assets through the on-chain pledged asset settlement system of off-chain settlement in Embodiment 4 of the present invention includes the following steps:

[0079] Step S601: The lender's ass...

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Abstract

The invention discloses an online pledge asset compensation system and method based on offline settlement, and relates to the technical field of digital assets. One specific embodiment of the system comprises: a lender asset application terminal system generating a first pledge asset clearing instruction according to collection information under the condition that it is determined that a borrowerdoes not perform sufficient repayment, and then sending the first pledge asset clearing instruction with a lender signature to an asset account book system; and the asset account book system executingan intelligent contract contained in the pledge asset information of the first pledge asset clearing instruction, and generating pledge return asset information and pledge clearing asset information.According to the embodiment, the complete transaction process of clearing the pledge assets on the chain is realized based on the blockchain and the smart contract, and the transaction risk is reduced.

Description

technical field [0001] The present invention relates to the technical field of digital assets, in particular to a system and method for repaying pledged assets on the chain through off-chain settlement. Background technique [0002] At present, blockchain technology is developing rapidly. As a new decentralized computing paradigm, blockchain provides technical support for the operation of various digital assets on distributed networks. These digital assets run on the distributed network of the blockchain, do not rely on a specific third party or central party to keep accounts, but conduct global multi-node consensus accounting through shared ledgers, and achieve a technical guarantee through encryption algorithms security system. [0003] In the existing technology, the typical transaction mode of blockchain-based digital assets is: the transferor initiates a transaction, and transfers a certain amount of digital assets corresponding to its asset ledger address to the recip...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 孟江华
Owner 孟江华
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