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On-chain asset pledge financing system and method through off-chain settlement

An asset and pledge technology, applied in the field of asset pledge financing system on the chain, can solve the problems of inability to guarantee financing funds, inability to support asset pledge financing payment, lack of digital asset pledge financing transaction protection, etc.

Pending Publication Date: 2020-01-03
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, which cannot meet the transaction needs in the real environment, and lacks the process of pledging and financing transactions for digital assets on the chain
[0006] (2) Lack of protection for the digital asset pledge financing transaction on the chain. After the borrower initiates the asset pledge financing transaction, he cannot guarantee that he will receive the financing payment from the lender for the consideration payment, 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 asset pledge on the chain, financing and payment under the chain, and unable to control the transaction risk of the entire process

Method used

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  • On-chain asset pledge financing system and method through off-chain settlement
  • On-chain asset pledge financing system and method through off-chain settlement
  • On-chain asset pledge financing system and method through off-chain settlement

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Effect test

Embodiment 2

[0072] 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 the second embodiment, the borrower inquires the on-chain assets it holds through its asset application terminal system, so that the borrower can select the asset category and input the amount of pledged assets based on the acquired on-chain asset query result information. The lender checks through its asset application terminal system whether its corresponding asset information to be pledged has been generated in the asset ledger system, so that the lender can start making off-chain payments. The specific implementation is as follows:

[0073] image 3 It is a schematic diagram of the main flow of asset pledge financing through the on-chain asset pledge financing system of off-chain settlement in Embodiment 2 of the present invention. like i...

Embodiment 3

[0097] Embodiment 3: Since the confirmation information provided by the borrower with its own signature, or the payment receipt certificate can also be used as the trigger condition of the second smart contract in the smart contract execution layer module to execute the pledge instruction of the assets to be pledged, it is implemented In the third example, the borrower sends an on-chain asset pledge instruction as an example to illustrate the on-chain asset pledge financing method through off-chain settlement in the embodiment of the present invention. The specific implementation is as follows:

[0098] Figure 4 It is a schematic diagram of the main process of asset pledge financing through the on-chain asset pledge financing system of off-chain settlement in Embodiment 3 of the present invention. like Figure 4 As shown, the main flow of asset pledge financing through the on-chain asset pledge financing system of off-chain settlement in Embodiment 3 of the present inventio...

Embodiment 4

[0102] Embodiment 4: If the borrower has initiated an asset pledge transaction and forms assets to be pledged in the asset ledger system, but the lender fails to pay the consideration within the preset time, then the asset ledger system can cancel and return the assets to be pledged to the borrower . The undo rollback operation can be realized in the following two ways: Method 1: The second smart contract regularly detects, once the undo rollback trigger condition is met, the second smart contract automatically executes the pledge transaction that returns the assets to be pledged to the borrower. Method 2: The borrower or the lender initiates an on-chain asset return command, and the second smart contract checks the trigger condition for canceling the rollback. If it is satisfied, it executes the on-chain asset return command to generate the asset account address corresponding to the borrower. Return the asset information and return the assets to be pledged to the borrower.

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Abstract

The invention discloses an on-chain asset pledge financing system and method based on off-chain settlement, and relates to the technical field of digital assets. One specific embodiment of the systemcomprises the following steps: a borrowing party asset application terminal system generates an on-chain asset pledge instruction, and sends the on-chain asset pledge instruction with a borrowing party signature to an asset account book system; the asset account book system executes a first intelligent contract contained in the pledged asset information of the on-chain asset pledge instruction togenerate to-be-pledged asset information; the lender asset application terminal system generates a first chain to-be-pledged asset pledge instruction, and sends the first chain to-be-pledged asset pledge instruction with the lender signature to the asset account book system; and the asset account book system executes a second intelligent contract contained in the to-be-pledged asset information ofthe to-be-pledged asset pledge instruction on the first chain to generate pledge asset information. According to the embodiment, the complete transaction process of online asset pledge and offline financing payment is realized based on the intelligent 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 an on-chain asset pledge financing system and method 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 recipient's a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/02G06Q20/40G06Q20/36
CPCG06Q40/04G06Q20/401G06Q20/363G06Q40/03
Inventor 孟江华
Owner 孟江华
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